SERVICES OFFERED  |  FINANCIAL PLANNING |  INVESTMENT ADVISORY  |  NRI SERVICES

Financial Planning : Simply put, financial planning is the process of identifying and defining your financial goals, prioritizing them and achieving these goals with a clear, focused and a customized game plan. Financial Planning can help you achieve both greater wealth and financial security, while inadequate or improper planning can be disastrous. Financial Planning is an ongoing and continuous activity involving investment management, cash flow planning, retirement planning, insurance planning, tax planning and estate planning. Hence Financial Planning is 360º Finance, whereby we advise, manage and review all aspects affecting and relating to your finances starting from investments, taxes, insurance protection, retirement needs to will preparation etc. Read more…

Asset Allocation : The main benefit of financial planning is to control risks, Asset allocation is the process through which this is achievable. Asset allocation strategies involve spreading investments across:

1. Country;
2. Currency;
3. Asset Class;

Once such an allocation has been determined keeping in mind the risk profile of the individual, investments can be made and/or moved around to fit this allocation. A constant review and appraisal needs to be undertaken to ensure the product mix is the most suitable according to your circumstances and goals.

Investment Advisory : In line with the objectives of the client, we provide advice for creating a portfolio of investments based on the time horizon. Recommendations of appropriate schemes for investment are provided according to availability of funds. This service includes monthly/ quarterly statements and an annual review.

NRI Services : We offer the entire gamut of financial planning and advisory services to NRIs as well and also provide additional services such as tax filing in India. We are associated with experts in international tax laws besides the Indian laws and thus are able to assist NRIs comprehensively.

We also provide expert advice and execution with respect to investments in the US as well to clients having assets in the US. Similar tie-ups with experts in other countries are on the anvil.

Alternate Products : Keeping in line with the asset allocation strategies that we recommend, we offer non traditional investment products such as art, realty, international products etc since we truly believe that diversification is the best hedge against risk.

Square Feet, our property management division is a one-stop real estate services provider assisting clients on various aspects related to real estate - be it with respect to leasing, selling or buying properties -residential and commercial in India and small and large pieces of land in and around Bangalore.

We are also associated with the first delivery based ART fund in India which provides services of artist selection after understanding your investment needs.

We also have Partnerships in place to be able to provide you with a basket of international products such that you can take benefit from the unrelated movements in international stock markets thereby diversifying your portfolio better.

MORE ELABORATE SERVICES ARE AVAILABLE AT ADDITIONAL FEES. ALL THE WHILE CARE IS TAKEN TO ENSURE A PERSONALISED, PROFESSIONAL AND CARING SERVICE.

We have a detailed Service Agreement covering a Schedule of Services & Charges, privileges entitled to a client, confidentiality agreement, disclaimers and disclosures and lastly a list of Asset Management Companies we are empanelled with, in order to safeguard both the clients and our interests.

Basic Services provided to clients under our investment advisory services are as follows:

• Monthly statements on portfolio - Mutual Funds, Equity and Life Insurance (Unit Linked Policies).
• Recommendations of entry & exit based on detailed research and analysis of the market, economy and individual funds, schemes and scrips.
• Periodic review and restructuring of portfolio in response to client needs and market dynamics.
• Operational support & execution (currently in Bangalore, New Delhi and Mumbai) - pickup of forms and cheques, courier and telephonic support for facilitating transactions, SIP reminders and dividend updates.
• Recommendations on insurance policies best suited to client requirements and needs.
• Monitoring of Unit Linked Insurance Policies with monthly updates and recommendations of top-ups and fund switches.
• Operational assistance and execution in terms of insurance policies - premium reminders, pick-up of cheques.
• Recommendations and operational assistance for other financial transactions like RBI Bonds, investment in IPO's, capital gains bonds, demat account opening, demat of shares, housing loan assistance and investment-related Tax planning.
• Monthly Newsletter
• Sessions on Financial Education for adults (currently offered at Bangalore Office), aimed at providing a basic understanding of the field of personal finance to understand more about one's own investments.
• Sessions for children in the age group of 10-18 to promote the awareness of money and its management through a series of workshops under M2M (Minor to Major) programme so as to enable our children and young adults face today's environment better by understanding money, its relevance and working.
• A Relationship Manager, who will be the contact point for all queries, transactions and any kind of assistance.
• A quarterly meeting on the portfolio and/or any specific requirements with the Relationship Manager.