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How We Solve

The Process

1
Define Financial Goals
We start by understanding our client's financial aspirations, both short-term and long-term. This includes goals like buying a home, funding education, or retiring comfortably.
2
Assess Current Financial Situation
We then conduct a thorough review of our client's current financial status, including income, expenses, assets, and liabilities. This snapshot helps in creating a baseline for future financial planning.
3
Risk Tolerance Assessment
After that, we evaluate the client's risk tolerance by considering factors such as his investment knowledge, time horizon, and comfort level with market fluctuations. This step is crucial for crafting an appropriate investment strategy.
4
Develop a Customised Financial Plan
Based on the above details, we create a personalised financial plan that aligns with the client's goals and risk tolerance. This plan may include budgeting, investment strategies, insurance planning, tax planning, and estate planning.
5
Investment Portfolio Construction
At this stage, we build a diversified investment portfolio based on the client's financial plan after considering a mix of various asset classes to spread risk and optimise returns. After the client's approval of the plan, the documentation and the account opening formalities get completed.
6
Regular Monitoring and Rebalancing
After the initial execution of the above financial plan, we have implemented a system in place for ongoing monitoring of the investment portfolio. Accordingly, we review and rebalance the portfolio periodically to ensure it stays aligned with the client's goals and risk tolerance.
7
Tax Planning
We then strategize to minimise tax liabilities through methods such as tax-efficiently rebalancing the portfolio, getting the maximum possible deductions, and tax-credits. We furthermore review these tax strategies annually to adapt to changes in tax laws.
8
Estate Planning
We believe our job is not over yet. It is critical to develop an estate plan to ensure the smooth transfer of assets to heirs while minimising taxes and other expenses, and so we do it. This includes nominations, wills, trusts, and other relevant legal documents.
9
Insurance Review
Just growing money is not enough. Preserving it is equally essential. So, we assess existing insurance coverage and make adjustments as needed. This includes life insurance, health insurance, and other types of coverage to protect against unexpected events.
10
Ongoing Support and Advice
It starts with our clients and so it has to end with our clients only. We are always available not only to provide continuous support and advice to them but also to address questions, concerns, or changes in their financial situation. This way we maintain a long-term relationship to adapt the plan to evolving needs.