COMPREHENSIVE FINANCIAL PLANNING
While investment advisory focuses primarily on portfolio construction and investment decisions, financial planning takes a broader view of the entire financial situation, integrating goals, savings, risk protection, and long-term planning.
Comprehensive financial planning helps bring structure and clarity to long-term financial decisions. It involves evaluating income, savings, investments, and future goals to develop a plan that supports financial stability over time.
Financial planning is not a one-time exercise. As circumstances change, the plan is reviewed and updated to ensure that financial decisions remain aligned with evolving goals.
Financial planning is provided as part of our SEBI Registered Investment Adviser framework, ensuring that recommendations remain aligned with client interests.
Who This Service Is Best Suited For
This engagement is suitable for individuals and families who:
- Want a structured view of their overall financial situation
- Are planning for long-term goals such as retirement or education funding
- Prefer coordinated planning across investments, savings, and risk protection
- Value periodic review and adjustments to their financial strategy
How the Financial Planning Process Works
Financial Discovery
Clients complete a structured information worksheet capturing details on assets, liabilities, income flows, insurance coverage, and financial goals. This forms the basis for the discovery discussion and helps build a comprehensive financial profile.
Financial Analysis & Goal Modelling
The information gathered is analysed to evaluate asset allocation, financial commitments, and long-term goal feasibility through structured financial projections.
Strategy & Plan Design
Based on the analysis, a financial strategy is developed covering asset allocation, goal funding approaches, risk protection, and portfolio alignment with long-term objectives.
Plan Presentation & Implementation Roadmap
A consolidated financial plan is presented, summarizing the analysis, projections, and recommendations along with a prioritized roadmap for implementation.
Service Overview
This engagement covers the following areas:
1. Financial Health Review
Detailed review of net worth, asset–liability structure, income flows, and existing commitments. Formal risk profiling establishes appropriate levels of volatility
2. Strategic Asset Allocation
Design or refinement of a long-term allocation framework aligned with time horizon, liquidity requirements, and risk capacity. The emphasis is on structural alignment rather than short-term positioning.
3. Goal Planning & Feasibility
- Inflation-adjusted modelling of financial goals, including retirement and major life milestones.
- Includes corpus estimation, surplus/shortfall projections, and structured adjustment recommendations where required.
4. Portfolio Review
Independent review of portfolio holdings to assess allocation alignment, risk exposure, benchmark performance, and tax efficiency.
5. Risk Management & Protection
Review of life and health insurance adequacy and essential estate planning considerations to ensure continuity and financial resilience.
6. Consolidated Financial Plan
A comprehensive written report summarizing analysis, projections, allocation recommendations, and a clear implementation roadmap with prioritized action steps.
Deliverables
Comprehensive Financial Plan
A detailed written report summarizing financial position, goal projections, asset allocation recommendations, and a clear implementation roadmap.
Action Tracker
A structured tracker to help monitor progress on recommended financial actions and goals.
Six-Month Support
Support for queries, updates to goals or assumptions, and discussion of new financial scenarios for six months after plan delivery.
Fees & Payment Terms
Fees
One-time fee of Rs. 25,000
Payment Terms
- 25% advance on confirmation of engagement and completion of onboarding formalities
- Remaining balance after delivery of Financial Plan and recommendations.