Services
Our Offerings
What We Do
Six areas of work. Most clients start with one and grow into the rest.
Service 01
Mutual Fund Investments
Scheme selection begins with your horizon, not with a performance table. A three-year goal and a twenty-year goal should not hold the same funds, however well those funds have done.
We map your existing holdings first, remove overlap, then build the allocation up from cash needs to long-term growth.
- Category-level allocation before scheme selection
- Overlap analysis on existing folios
- Consolidation of scattered holdings into one view
- Exit and switch guidance with tax impact explained
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Service 02
SIP & Lumpsum Investments
A SIP does two things a lumpsum cannot: it removes the timing decision and it makes investing a habit rather than an event.
Where a lumpsum is unavoidable — a bonus, a property sale, a maturity — we stagger it through a systematic transfer rather than deploying everything on one day.
- SIP amount worked back from the goal, not guessed
- Step-up SIP so the instalment grows with income
- STP for lumpsum deployment over 6 to 12 months
- SWP planning for those already drawing an income
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Service 03
Financial Planning
Before any product, three numbers need to exist: your monthly surplus, your emergency corpus, and your insurance gap. Most people have never calculated any of them.
The plan is written down. You keep a copy, and we work against it at every review.
- Cash flow and surplus analysis
- Emergency fund sizing, typically six months of expenses
- Asset allocation across equity, debt and gold
- Written plan document with review dates
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Service 04
Insurance Solutions
Insurance is protection, not investment. Mixing the two usually produces poor cover and poor returns at the same time.
Cover is sized against outstanding loans, dependants' expenses and the years left until they are independent.
- Term cover sized to liabilities and dependants
- Health floater with a city-appropriate sum insured
- Critical illness and personal accident where relevant
- Existing policy audit before anything new is bought
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Service 05
Retirement Planning
The number that matters is not what you have saved. It is what your monthly expense will be on the day you stop earning, inflated forward.
Once that is known, the required corpus and the monthly investment fall out of the arithmetic.
- Corpus calculated on inflated post-retirement expenses
- Equity-heavy accumulation, de-risked near the date
- NPS integrated for the additional 80CCD(1B) deduction
- Withdrawal plan so the corpus outlives you
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Service 06
Child Future Planning
Education inflation runs ahead of general inflation. A degree costing fifteen lakh today is a very different number in fifteen years.
The corpus is kept in a dedicated folio so it is not quietly spent on something else.
- Goal costed at future value, not present cost
- Dedicated folio, ring-fenced from other goals
- Aggressive early, shifted to debt two years before
- Term cover so the plan survives the earner
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Not sure where to start?
One call. No obligation. We'll tell you honestly whether you need us.