A financial plan is an assessment of your current financial situation and steps to improve it in future. Get best solution from here.

2. What is Financial Planning?
• A financial plan is an assessment of your current financial
situation and steps to improve it in future.
• It is a forward looking document, taking into consideration
your needs, goals and requirements based on certain
assumptions.
• A systematic approach to plan your finances the need-based
way.
• A continuous process driven to reflect the necessary changes
at the micro and macro level. If you fail to plan, you plan to
fail.

3. Financial Literacy in India is
very low
• People invested there Harden money through mediators like
Agents, Brokers , Banker’s Cross sell or Advt. world like
T.V.,News paper, tips or own understanding through on line
search, past track records etc.. etc.. Due to lack of time.
• But when it realizes on later half then its too much late. To
avoid this kind of situations with there harden money or trial
and error method needs financial planning and update with
financial literacy.

4. RISK
MANAGEMENT
RETIREMENT
PLANNING
INVESTMENT
STRATEGY
TAX
PLANNING
ESTATE
PLANNING
CASH FLOW
ANALYSIS
FINANCIAL
PLANNING
Financial Planning? A holistic approach.

5. What is Cash Flow Planning?
• In simple terms, cash flow refers to the inflow and outflow of
money. It is a record of your income and expenses. Though
simple very few people actually keep a track.
• The base of any financial plan is a cash flow projection which
if negative could prove to be dangerous.
• Cash flows mirror your financial future and outline the perils
if systematic and disciplined investments are not taken place.
• You could easily find yourself in a debt trap if proper cash
flow planning is not on your agenda.

6. HOUSEHOLD
EXPENSES
EMI’S
INSURANCE
PREMIUM
PERSONAL
EXPENSES
INCOME
Cash Flows For The Working Class
income – expenses = savings

7. Risk Management
• Identifying the shortfalls in your situation and strategies to
work on the same.
• Going beyond traditional products like life insurance and
health plans.
• Your life style and life cycle stage taken into consideration
before arriving at accurate figures of life insurance
requirement, not going by generic thumb rules.

8. Investment Planning
• A feasible strategy to suit your needs & requirements.
• Bifurcated in the asset allocation suitable to your age, time-
horizon & risk-absorbing capacity.
• Periodic reviews to incorporate necessary changes if the
situation so demands.
• Constant updates with your portfolio statements to make you
feel secured & financially confident.

9. Tax Planning
• Investments structured in a manner to achieve your long-
term goals bifurcated as per asset allocation and risk profile.
• Investments with an objective of only to save taxes
eliminated.
• Commencing the tax planning activity well in advance,
thereby getting the opportunity to explore various options.
• With sound advice and time at disposal, tax planning is not
an arduous task as it appears to be.

10. Retirement Planning
• An area often ignored and overlooked.
• Earmarking a certain % of your earnings towards building up
your retirement corpus in your working years.
• Detailed calculations to enjoy a peaceful & stress-free
retirement in your golden years.
• Taking into consideration inflation pre & post retirement and
a defensive strategy adopted in the later years.

11. HOUSEHOLD
EXPENSES
GOALS
PERSONAL
EXPENSES
NO
INCOME
Hence the need for
retirement corpus to be
built up in your working
life…
Goals could take the
form of overseas
vacation, charity, leaving
an estate.
Cash Flows For The Retired
Class
Savings during working life need to be capitalized to
build up a sound retirement corpus. possible only
through prudent financial planning

12. Estate Planning
• We strive hard our entire life to build an estate without much
giving thought to whom we need to pass it on.
• Even reputed business families were not escaped. You are the
one who will decide who will get the property when you will not
be there. But is that enough.
• Having a will and not updating it after change in mind-set does
not hold good.
• Update it at regular intervals where ever applicable.

13. Why do you need 360°
Financial
Planning?
• Complexity of Financial Products.
• Ever changing Govt Policies, Taxation Laws.
• Market Movements, Fluctuating Interest Rates.
• Increasing Life Expectancy, No Social Security.
• Overburden of Information but lack of need-based goal
specific advice.
• Too many products to choose from.

14. Wealth Creation Comfortable Retired life
Passing Wealth to the
next generation
Wedding of ChildrenChildren EducationDream House
any many more…….
C
O
M
M
O
N
G
O
A
L
S

15. Plan Implementation
• The beauty of a plan lies in its implementation.
• Many a times even though we may believe in the process we
delay our funding.
• If in a liquidity crunch, start building up an emergency reserve
first and foremost.
• If it is due to financial inertia then it is important to wake up
and take corrective steps at the right time for fulfillment of
goals and not to repent later.
• Delay in investments not only make it difficult to achieve our
goals but also result in an increased outflow to make up for the
shortfall.
• A plan not implemented is just a simple plain document losing
its essence in black and white.

16. Financial Planning Mantra
It is never too early to Plan and Execute. See the cost of
postponement of investment for the Goal of your Child’s Education due
after 15 years:
Plan Today – Tomorrow may be too late
4,750
10,315
29,054
If You
Start
Today
If You
Start
after 5
years
If You
Start
after 10
years
Monthly investment
required to achieve
the Goal
10,00,000
23,96,558
Goal
Amount
in
Present
Value
Future
Value of
Goal

17. • Financial Literacy And Knowledge Coaching
• Financial Independent
• Cash Flow Analysis
• Risk Management Strategy
• Asset Allocation
• Tailor Made Investment Strategy
• Tax Planning
• Retirement Planning
• Action Plan
• Review of your Portfolio at periodic intervals
• Portfolio Rebalancing
• Need for Estate Planning
peace of mind & sound sleep…
A Financial Plan gives you…
in addition to these numericalsin addition to these numericals

18. … your road map to
Financial Independence.

19. Financial Planning Service
• FINANCIAL PLAN PREPERATION
• IMPLEMENTAION
• PORTFOLIO CONSTRUCTION
• FINANCIAL PLAN PROGRESS REVIEW( HALF YEARLY)
• QUARTERLY PORTFOLIO REVIEW & REBALANCING
• CONSOLIDATE PORTFOLIO STATEMENT ONCE IN A
MONTH ( 12 + 10 + 6 PAGE REPORT OF YOUR
PORTFOLIO)
• ANNUAL TRANSATION STATEMENT
• REGULAR AFTER SALES SUPPORT

20. Expert Advice on
• Financial Planning,
• Comprehensive Financial planning,
• Financial Health check up,
• Net worth Analysis,
• Asset Allocation strategy,
• Cash flow Planning,
• Budget Planning,
• Tax Planning,

21. Financial Literacy and Knowledge
Coaching
• Insurance Planning,
• Health Insurance Planning,
• Child Future / Retirement Planning,
• Other Financial Goals,
• Emergency Fund Planning,

22. Financial Literacy and Knowledge
Coaching
• Risk Analysis ( Investment ),
• Investment Review,
• Investment Planning,
• Estate Planning,
• Debt Advisory,
• Insurance Policy Analysis,
• Investment with Education