Financial Plans
Value Plan
- Emergency fund planning
- Financial state Analysis
- Review of investments & insurances
- Loan management
- Insurance planning
- Investment planning^
- Retirement planning
- Tax planning
- Goal prioritization
- Cash flow Analysis
- Knowledge sharing
- Review of plan
- Financial consultancy
Planning fee*: Rs. 20000 to Rs. 30000
*The fee depends on the life stage of the client and the complexity involved in the planning.
^Includes Mutual funds, ETFs, and no stock advisory
#Single-mother family discount -10%
Premium Plan
This plan includes all of the Value plan's scope with stock portfolio advice as an add-on.
- Stock Portfolio Review
- Stock portfolio strategy
- Advice on portfolio construction
- Stock advice and recommendations
Planning fee: Rs. 50000
I suggest this plan only to a sophisticated investor with an investable surplus of over Rs. 1 crore or financial assets worth over Rs. 1 crore and who is willing to invest in direct stocks.
The retainer fee will be Rs. 40000 for the subsequent year.
HNI Portfolio Advisory
This advisory is suitable for those in the following situations.
- Individuals with an investable surplus of Rs 2 Crores and above
- Individuals who have financial assets worth 2 Crores and above.
Planning fee: Rs. 90000
The retainer fee will be Rs. 80000 for the subsequent year.
Retainer and HNI Portfolio Advisory
Retainer Plan
I believe financial planning is a dynamic process. Ongoing advisory helps you avoid costly financial mistakes due to poor tax planning, missed opportunities, and emotional bias.
It covers the followings:
- Annual plan review
- Tracking progress and performance
- New investment opportunities
- Portfolio management
- Financial consultancy
The retainer fee (only for MF based advisory) will be half of the first-year charges.
Investment Planning
- Risk profiling
- Analysis of current investments, returns & fees
- Identify gaps, risks, and issues in the current portfolio
- Develop an investment strategy to suit your profile
- Goal prioritization
- Goal-based investment planning #
- Tax planning
Planning fee: Rs. 20000 to Rs. 40000
# Includes mutual funds, ETFs, and stock advisory.
Financial Review
This advisory is appropriate in the following situations.
- DIY individuals who need guidance on certain financial matters
- Individuals who need a financial plan to do on their own
- Review of current plan
- Review of stock portfolio
- Review of MF portfolio
- Review of Insurances
- Review of investments
- Debt management
- Taxation aspects
- Retirement advice
Planning fee: Rs. 10000 to Rs. 30000
This consultancy fee will be charged on an hourly basis based on service(s) opted.
Steps for a Comprehensive Financial Plan:
Step # 1 - Initial meeting and Engagement (1st week)
i) Our initial meeting is at no cost to you and is without any obligation. Our initial meeting will help us explore your potential alignment and suitability with our advice and service offers.
ii) If you decide to engage with me after the initial meeting, I will send you a formal letter of engagement that details the terms and conditions of our engagement. Once you agree with the terms of engagement, you shall pay the fee for services. I will confirm the receipt of the payment.
Step # 2 - Organizing data and understanding your situation (2nd week)
i) After the initial meeting, I will send you the data sheet where you provide all the details required for planning. Also, risk profiling is done to assess your risk capacity and tolerance to take investment risk.
I analyze and organize your data and ask for any details if required.
ii) In the subsequent meeting, we will discuss your current financial and life situation, short-term, and long-term goals, your priorities in life, your attitude to risk, your knowledge on investing, and money matters, and your experience with your investments & insurance.
Step # 3 - Knowledge-sharing session on personal finance (3rd week)
i) In this meeting, I will educate you about cash reserve planning, insurance planning, investment strategy, asset allocation and selection of investment products and suitability.
ii) You will learn about the basics of personal finances & investing during our interactions. The intent is to enable you to make smart financial decisions on your own.
Step # 4 - Preparation of draft plan and knowledge sharing (4th week)
i) Once the second meeting is done, I will share the first-cut calculation and subsequently, we will discuss it in a session.
ii) Also, I will educate you about market history, risk management and behavioral aspects of investing in this session.
Step # 5 - Finalizing and implementing of action points (5th week)
i) Based on your feedback on the draft plan, I will finalize the plan, set action points for the implementation.
ii) In the final meeting, we will discuss the final plan and action points for the implementation of the plan, and clear your all queries and doubts about the plan.
How I communicate?
The primary mode of discussion would be over a pre-scheduled phone call, Zoom or Google meet. The secondary mode of discussion would be over email.
