Services - Fee based only
Adopted Client First / Best Interest - Guide for Personal Finance related Decisions
INVESTMENT ADVISORY
Investment advisory services are offered on an exclusively fee-based basis, with a commitment to providing unbiased, transparent, and client-centric advice in a fiduciary capacity, along with appropriate disclosure of any conflicts of interest if and when they arise.
In general terms, investment advice refers to guidance relating to investing in, purchasing, selling, or otherwise dealing in securities or investment products, as well as advice on investment portfolios containing such securities or products. Such advice may be provided in writing, orally, or through any other mode of communication for the benefit of the client.
In India, the provision of investment advisory services is governed by the SEBI (Investment Advisers) Regulations, 2013. These regulations prescribe the framework relating to registration requirements, professional qualifications and certification, risk profiling and suitability assessment, disclosure standards, code of conduct, record-keeping, and regulatory oversight applicable to investment advisers.
Under these regulations, no person is permitted to act or hold themselves out as an Investment Adviser unless a valid certificate of registration has been obtained from the Securities and Exchange Board of India, unless specifically exempted under the regulations. Providing investment advisory services without such registration may attract regulatory action under the SEBI Act, 1992.
Further, individuals registered as Investment Advisers are prohibited from undertaking distribution or execution of financial products. This regulatory requirement helps ensure that the advice provided remains independent and free from product-linked incentives.
FINANCIAL PLANNING
At different stages of life, you may have multiple financial goals such as buying a home, planning for children’s education, preparing for retirement, or managing long-term wealth creation. Managing these goals effectively often requires a structured approach that considers your overall financial situation.
Financial planning involves developing strategies to help manage financial resources and work towards achieving life goals. This process typically begins with gathering relevant information about your financial position, followed by careful analysis and the development of suitable recommendations.
A structured financial planning engagement generally involves the following steps:
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Establishing and defining the client relationship
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Collecting relevant financial information
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Analyzing and assessing the client’s financial position
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Developing and presenting financial planning recommendations
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Assisting in the implementation of agreed strategies
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Periodically reviewing the financial plan as circumstances evolve
The Certified Financial Planner (CFP) certification represents a globally recognized professional standard in financial planning. The certification is awarded by the Financial Planning Standards Board Ltd. through its network of affiliated organizations operating in multiple countries and territories.
The Financial Planning Practice Standards established by the Financial Planning Standards Board Ltd. outline the expected level of professional practice for financial planning engagements. These standards guide financial planning professionals in delivering services in a consistent and structured manner, regardless of practice setting or compensation model.
The objective of financial planning is to help you gain clarity about your financial situation, align your resources with your life goals, and make informed decisions that support long-term financial well-being.
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
At times, you may not require a comprehensive financial plan but may need guidance on a specific financial product or a particular financial goal.
For example, when considering a home loan for a home upgrade, you may encounter numerous options with different terms, costs, and conditions. Evaluating each option can be time-consuming, and discussions with marketing representatives may make all options appear equally attractive. In such situations, I can help you understand the product structure, process, and associated expenses, and assist you in evaluating suitable options based on your requirements.
Similarly, you may feel confident about managing most of your financial goals but require clarity when it comes to retirement planning. In such cases, focused guidance can help you evaluate factors such as your desired lifestyle, expected expenses, retirement age, and available investment options, helping you build a structured retirement strategy aligned with your long-term goals.
Advisory support may also be useful when evaluating financial products such as home loans, health insurance, or term insurance, or while planning for goals like retirement or children’s education.
The objective of such focused advisory is to help you understand available options, evaluate them in the context of your financial situation, and make informed decisions aligned with your financial goals.