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Financial Planning

A financial plan is the road map for your financial life. It covers major financial areas of your life addressing aspects such as cash flow, savings, debt management, risk management, children’s education planning, taxes, retirement, estate planning, and of course, investments and a strategy for managing them. Unlike a mere guide, a financial plan gives you a clear, pragmatic path to follow towards the accomplishment of your most important financial goals.


By developing a financial plan you and your family:

  • Will have a better understanding of your current financial position.
  • Determine attainable retirement, education, insurance, and other financial goals.
  • Review goals, funding strategies, and alternatives to balance all goals.
  • Have the necessary financial resources set aside to fund your goals as they occur.
  • Reduce the effects of unexpected events such as disability, premature death etc.

Do you need a financial plan?

ABSOLUTELY YES - if you have any income, a family or planning to have one in the future, retirement dreams, and for many other financial reasons / goals that are unique to you. No one can predict the future but one can certainly be better prepared for it. An effective financial plan will make sure that you are financially capable of facing future storms. The alternate of course, is you being caught in an avoidable situation.  

Risks of not having a financial plan:

  • Unachieved financial goals
  • Chances of being tax inefficient
  • Rushed financial decisions resulting in small and often insignificant results
  • Becoming a victim of fancy marketing of products that probably don’t even suit your risk profile.
  • Stress caused due to financial worries and woes.

Tips for Effective Financial Plan

  • Be realistic with your investment returns; dont plan to outperform the markets.
  • Account for market risk and dont assume the same return to repeat every year.
  • Dont forget to plan for inflation, taxes and your financial planners fees.
  • Review your financial plan regularly to see if you are on track or need any changes in the plan.

We do not offer financial planning services. However having a plan is important for the investor.

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