Financial Planning

“The goal is to living life on our terms and proper financial planning allows us to achieve this goal”

- John Maynard Keynes


Financial Planning is the process of meeting your life goals through the proper management of your finances. We all have multiple life goals such as buying a house, saving for child’s higher education, starting one’s own venture, traveling around the world or planning for retirement. The financial planning process help you take a ‘big picture’ look at where you are now, where you aspire to be in future and what you must do to achieve your various goals.

Our comprehensive financial planning service focusses on not only helping you achieve all your financial goals but also generating maximum post-tax returns on your investment portfolio. Our 3-step process involves setting life goals, examining your existing financial status (income, expenses, loans and investments), understanding your risk profile and then creating a proper financial plan to help you realize your goals.


Setting life

This step begins with detailing your life goals along with time horizon for each of these goals. Typical life goals include:

  • Higher education
  • Marriage
  • Tax management
  • Child’s education
  • Buying a home
  • Buying a car
  • Starting a new business
  • Dream vacation
  • Child’s marriage
  • Estate planning
  • Retirement planning

Understanding your financial situation

This step involves understanding your existing monthly income, income sources, monthly expenses, annual commitments like insurance expenses, outstanding debt and EMI thereon, existing investments and the overall asset allocation.



This stage involves understanding your risk tolerance levels and risk capacity levels. Risk tolerance involves understanding whether you can bear volatility whereas risk capacity assesses whether you can take risks today. While risk capacity keeps on changing with a person’s age and financial situation, risk tolerance most times evolves over a longer period of time for an investor as they gain an understanding on the market and on the correlation between risk and returns.



In this step, we create an action plan for you to help you realize your life goals. This involves leveraging the insights from above steps 1 to 3 and then creating a tax-efficient investment strategy and investment portfolio for you for each of your life goals. Tax-efficient portfolio is extremely crucial as the post-tax returns is what ultimately contributes towards your goals.