Services - Fee based only
Adopted Client First / Best Interest - Guide for Personal Finance related Decisions
INVESTMENT ADVISORY
Offering exclusively fee-based, unbiased, and fully transparent investment advice in a fiduciary capacity, with a commitment to disclosing all conflicts of interest as they arise.
"Investment advice" refers to advice pertaining to investing in, purchasing, selling, or otherwise dealing in securities or investment products, as well as advice on investment portfolios containing securities or investment products, whether provided in writing, orally, or through any other means of communication, for the benefit of the client. This definition falls under the jurisdiction of the SEBI (Investment Advisers) Regulations, 2013 ("IA Regulations") in India.
The IA Regulations, effective from April 21, 2013, specify conditions for registration, certification, capital adequacy, risk profiling and suitability, disclosure requirements, code of conduct, record-keeping, inspection procedures, and more. According to the IA Regulations, no person shall act as an investment adviser or hold themselves out as an investment adviser unless they have obtained a certificate of registration from SEBI, unless a specific exemption applies. Engaging in providing investment advisory services without registering with SEBI may lead to appropriate action being taken under the SEBI Act, 1992. Individuals registered as investment advisers are prohibited from offering any distribution or execution services following their registration by SEBI.
FINANCIAL PLANNING
Provide a financial plan that offers a comprehensive view and solutions for your life stage-related financial goals.
Financial planning is the process of developing strategies to assist clients in managing their financial affairs and achieving their life goals. This involves gathering sufficient and relevant information to make informed analyses and recommendations.
The financial planning process includes the following steps:
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Establishing and defining the client relationship
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Collecting the client's information
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Analyzing and assessing the client's financial status
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Developing financial planning recommendations and presenting them to the client
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Implementing the client's financial planning recommendations
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Reviewing the client's situation.
The CERTIFIED FINANCIAL PLANNER (CFP) certification is the globally recognized standard of excellence for financial planning. The Financial Planning Standards Board Ltd. (FPSB) and its network of affiliate organizations administer the CFP certification program in 27 countries and territories worldwide. As of the end of 2020, there were over 192,000 CFP professionals globally.
FPSB's Financial Planning Practice Standards establish the expected level of professional practice for financial planning professionals during financial planning engagements, regardless of practice type, setting, location, or method of compensation. FPSB aims to provide clients of financial planning professionals with globally accepted standards for their benefit. Compliance with professional practice standards is incorporated into the global standards for CFP certification. FPSB Members include content on practice standards and their application in territory-specific CFP certification standards. Additionally, FPSB Members adapt and enforce FPSB's practice standards in their respective territories.
CORPORATE ONLINE SESSIONS
The purpose of these online sessions is to provide unbiased information and adopt a product-neutral approach, enabling participants to make well-informed decisions. Each session is thoughtfully designed to ensure that the content adds significant value to the time invested by the participants.
During these sessions, the focus is on delivering objective knowledge and insights without any bias towards specific products or services. The aim is to empower participants by equipping them with the necessary information and understanding to make informed choices according to their unique needs and preferences.
By adopting a product-neutral approach, the sessions prioritize educating participants about various financial concepts, strategies, and options available to them. This allows individuals to gain a broader perspective on different aspects of personal finance, investment planning, risk management, and other related topics.
The content presented in these sessions is carefully curated to cover a wide range of relevant and timely subjects. It may include discussions on financial goal setting, budgeting, saving and investing, retirement planning, tax strategies, estate planning, and much more. Participants can expect to receive practical advice, tips, and tools to enhance their financial well-being and achieve their life goals.
Ultimately, the goal of these online sessions is to provide valuable information and guidance that empowers individuals to make informed decisions, take control of their financial future, and achieve financial success.
SPECIFIC GOAL or PRODUCT HANDHOLDING
Sometimes, you may not require a comprehensive financial plan but rather need assistance with a specific product or goal.
For instance, if you are seeking a home loan for a home upgrade, you may be overwhelmed by the numerous options available and lack the time to thoroughly study each one. When engaging with marketing representatives, all options may sound appealing.
In such a scenario, you can seek my help in understanding the complete product, process, and expenses involved. I can assist you in narrowing down your selection list based on your specific needs and then evaluate each option within the context of your practical situation, ultimately helping you make an informed decision.
Similarly, you may feel confident about achieving most of your life goals but lack certainty when it comes to retirement planning. In such a case, I can provide specialized assistance in creating a retirement plan. By focusing solely on this aspect, I can help you develop a comprehensive retirement strategy that takes into account factors such as your desired lifestyle, anticipated expenses, retirement age, and investment options. Together, we can ensure that your retirement plan aligns with your long-term financial goals and provides you with greater clarity and confidence.
In summary, whether you require guidance on a specific financial product, such as a home loan, health insurance, term plan or need assistance in planning for a particular goal, such as retirement, children education, I am here to provide the necessary expertise and support. My aim is to help you navigate the complexities of these financial decisions and empower you to make well-informed choices that align with your unique circumstances and aspirations.