The process of wealth management starts with understanding the needs of our clients. We design the advisory based on the needs and goals defined by the clients. During different phases of life of individuals/corporates, priorities keep on changing, with respect to needs and aspirations. A portfolio must fulfil these different needs in different life phases. We deliver solutions that are aligned with our client’s goals, priorities, aspirations and risk appetite.

We understand that prima facie an investor seeks growth in its investments, preservation of capital as well income generation with the minimum possibility of risk. A product portfolio that meets these requirements, in varying stages of an individual’s life cycle, is essential while balancing and maintaining the risk appetite of the investor.

Retirement Planning

Retirement Planning analyzes the wealth you have and will need to achieve and maintain your retirement. It incorporates your financial resources, the age you plan to retire, your desired retirement lifestyle, how long you expect to live, and the expected rate of return on your investment portfolio. Social security and other pension assets are incorporated in the analysis.

Estate Planning

An estate plan allows you to decide how your assets are handled during your lifetime and at your death. Your estate plan should be structured to achieve your personal objectives and maximize wealth passed on to heirs and charities while minimizing taxes and other expenses. Estate Planning is not a legal review of your existing documents (if any) but, rather a review to ensure the practical aspects associated with the handling of your finances at incapacity or death as you desire.

Education Planning

The benefits of post-high school education are well documented. Unfortunately, the cost of that education becomes more expensive every year. We evaluate the anticipated cost of higher education and incorporate a savings strategy into the overall financial plan to ensure the necessary resources are available when needed.

Other Needs

We are financial experts. We recognize that clients have situations that are unique and need to be factored into their plans. Regardless of your situation, your plan will incorporate those components that are necessary to help ensure success in the achievement of your financial goals.

Our Process

Financial planning is a process. We take the time to completely understand your current financial situation and your financial goals as well as what you anticipate will occur. We then use financial modelling software to evaluate the likelihood of your achievement of those goals and suggest action items that will increase the likelihood of success. Additionally, as we are unable to accurately predict the future, we work to ensure success even if things don’t go as planned. We present our findings and recommendations to you for your approval. We then offer to implement, monitor and update your plan on a regular basis.

STEP 1
Determination of Universe / Screening
  • Quantitative Filter
STEP 2
Short-listed Investment Themes / Ideas
  • Valuation
  • Company Visits
  • Dialogue with Fund & Research Houses
STEP 3
Portfolio Construction
  • Industry / Sector
  • Company
  • Scheme Allocation
STEP 4
Portfolio Implementation
  • Client’s Objectives
  • Risk Assessment
  • Investment Experience
  • Holding Horizon
  • Liquidity
  • Tax Situation
STEP 5
Client Portfolio Control & Monitoring