Financial Planning

Financial Markets today is characterised by chaos and uncertainty and one need not only a selfless guide but also a friendly mentor who can help in achieving long term financial goals. We ensure proactive approach to secure you and your Family by providing truly personalised and need based Financial Plan through Portfolio Management Services.  Disciplined Financial Plan would help you to carve out your Financial Freedom. We take care about your Risk Profile, Risk Appetite and Right Asset Allocation along with in your journey towards Financial Freedom.

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, childrens education planning, taxes, retirement, estate planning, and of course, investments and a strategy for managing them. It is more than a guide. It is a written strategy that gives you a clear, pragmatic path to follow towards the accomplishment of your most important financial goals.

Having a financial plan is like having a travel plan - it identifies where youre going, how and when youll get there, how much will it cost, and things to do along the way. A personal financial plan looks at where you are today and where you want to go. Then it sets out all the steps you need to take to get there. Everyone who is earning should draw up a financial plan. The plan will help you get the most from your money and help you in achieving your financial goals in life.

Some people naturally resist the process of creating a Financial Plan. Initially, it seems overwhelming and/or just too much of trouble. However, the potentially devastating consequences of not having it are far greater than the initial discomfort that you experience of the process. For most people we have worked with, the hardest part is just making the decision to get started. Once the process has begun, most clients find it engaging and interesting.

Do you need financial plan?

Yes - if you have an 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 prepared to deal with the unexpected events and stormy times. If you dont have one, youre more likely to end up in a financial mess. On the contrary, if you have one and the recommendations thereon have been executed, most of your financial goals will be satisfactorily met. A good financial plan can alert you to changes that must be made to make sure a smooth transition through lifes financial phases, such as decreasing spending or changing asset allocation.

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.

You need not be very rich to have a financial plan. No matter how much you earn and at what age, a plan is important to make your life easier. As your financial situation influences almost every aspect of your life, a regular financial plan can help give you peace of mind and protect you from unforeseen, unfavorable situations. Once you have a working personal financial plan, you can use it to make informed financial choices. Having a good financial plan will allow you an over view of what you can afford. It will allow you to analyze your wants versus your needs. It also provides you a way to see how to avoid major financial mistakes in the future.

Risks of not having a financial plan:

  • You may be able to achieve what you want today but might not be able to achieve what you need few years down the line. Say, if you buy a new car now, you might not have enough funds later to buy your dream home.
  • You may not see the big picture. Say, you may grow your wealth by making good investment choices but end up being tax inefficient and pay more taxes than you need to.
  • You may take a short-term view of an opportunity and make rushed financial decisions, or fall into some scam trap. Worst of all, you may end up doing nothing (and just thinking of doing something) and never achieve your financial goals.
  • You might become a victim of mis-selling and build a corpus of investment products that neither suits your financial needs nor your risk profile.
  • You are very much likely to worry more about money and financial security. You may not know where you are today and where are you heading for.

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.


The need for financial plan is all the more very important in the turbulent economic times of today. If you dont have one till now, dont delay any more and Get it Now. Dont be self-satisfied that you will be okay whatever happens. Face the reality. Unless you develop a financial plan early, it will be too late.

What is Wealth?
Basically wealth is an abundance of variable material resources. The meaning of wealth is not straightforward. Wealth is basically a persons net worth. Wealth can be explained as assets minus liabilities.

What is Management?
Management is the art of getting the work accomplished by the efforts of other persons and factors. Management involves Planning, Organizing, Staffing, Controlling, Directing an organization.

What is Wealth Management?
Wealth Management is a discipline that incorporates financial planning, Investment portfolio management and a number of financial services. It is a professional service it can also encompass all parts of a persons financial life. Wealth management is done by wealth managers. Wealth managers can be MBAs, CFAs & Certified Financial Planners(CFPCM) or any credentialed professional money manager who works to enhance the growth and income. Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. It can be provided by large company entities, independent financial advisers or multi-licensed portfolio managers. Their services are designed to focus on high-net worth customers. Wealth Managers use their experience in estate planning, risk management and legal specialists, to manage the holdings of high net worth client. Wealth managers must contain a current profile of client holdings.

Wealth management is an integrated process for helping clients manage their wealth. It involves huge & wide range of services and the services depend upon each investor but the condition is that services should include investment management, financial planning, retirement, Estate planning, tax planning, debt management and cash flow.

Features of Wealth Management:

  • Allows customer to review risk profiles.
  • Track holdings against model portfolios for returns.
  • Captures Customers details and risk profile.
  • On approval by client they execute financial plans.
  • Based on the advanced algorithms they provide tax coverage, education and insurance.
  • Interfaces with banks, portfolios management systems, price vendors and other agencies.
  • Provides dynamic search.
  • Document Management.
  • Dynamic user access control.

We handle information for the following segments:

  • Stocks
  • Stocks Options
  • Bond.
  • Mutual Funds.

    Based on the advanced algorithms they provide tax coverage, education and insurance.

  • Insurance
  • Cash Flows
  • Education Planning
  • Tax Planning
  • Estate Planning

All parents dream of fulfilling all the requirements and desires of their kids. They want to give the best to their juniors. Best of education, best of toys, best of health, best of everything! The only problem with these best things is that these have the best price tags too!

But what can a father do, after all it is about the childs future. Or is this really the case? Maybe something could have been done. Think of a parent who started planning for their kid even before it was born and begun investing when the little one arrived. They had a pretty long time (about 18 years for higher studies and 25 years for marriage and house). It is no-brainer in investment world that the sooner we start, the better it is, and for a very basic reason - the magic of compounding.

For passive investors, those who find stock symbols like chemical formula, investing directly in equity mutual funds could be a preferred option.

Also to reap benefits of tax allowance on investments and their disposal, one can allocate some amount to products like Public Provident Fund.

With retirement not far around the corner, your needs will be rapidly changing. And you will be asking the big questions what does retirement mean to me, and will I have enough? How can I be better off? As our lives change, our financial needs and priorities change too. Even if you are years away from retiring, you are wise to be thinking about retirement planning. Years from now you will be a lot happier saying, Im glad I did instead of I wish I had. A retirement plan is an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. Investment Locker will help you understand how much you need to grow your wealth before you retire and how to plan for it.

Concerns of Retirement
Most people are faced with three important questions when they start thinking of Retirement.

  •  When can I retire?
  •  How much money do I need to have to retire?
  •  How do I create regular Retirement income?

Retirement planning means saving sufficient funds to provide for a comfortable lifestyle after retirement.We can plan and advice you how to build up your Retirement savings over a period of time from now. We have proven asset allocation strategies that will help you get higher inflation-adjusted returns on your existing assets. We also track and re-balance their assets to protect it from the volatility of the markets.

The Optimistic Retirement approach can help you feel more confident about retirement and your financial future.

Theres a confidence that comes with knowing you and your advisor are following a time-tested approach to financial planning. Youll come away feeling more confident knowing you have the advice and guidance you need to help:

Cover your essentials now and in retirement
Ensure your lifestyle. Your hobbies, travel and dining-out throughout your life Prepare yourself and the people you love against the unexpected things that come up every now and then Leave a legacy to the people and causes you care about.