Financial Planning

Financial Planning has changed the rules of the Game

All of us, in one way or the other, are involved in some kind of planning related to our financial matters. Be it tax planning, Cash flow planning or retirement planning. A layman may call this financial planning. But in reality financial planning involves this and a lot more. Financial planning may be defined as“The process of meeting life’s foals through proper management of finances.” Life goals can include buying a home, saving for your child’s education or planning for retirement.   

Financial planning provides direction and meaning to all your financial decisions. Once you have financial plan in place, with each financial decision you take, you can consider its short and long term impact on your life goals, it allows you to adapt more easily to changes and feel more secure that your goals are on track.

Benefits of Financial Planning

Financial planning helps in taking control of your finances. it assists in curbing short-term temptations in favor of more important long term goals. Financial planning provides the following benefits:

  • Seeing the future with a clear vision
  • Ensuring discipline
  • Giving you a direction
  • Improving your financial decision making
  • Assessing your risk tolerance and develop an asset allocation strategy
  • Helping you reduce your taxes
  • Safeguarding you and your family against financial crises in the event of death or disability
  • Planning for retirement or children’s education and marriage expenses
  • Tracking investment performance with respect to set goals
  • Providing peace of mind














As the time is changing from financial product selling to need based financial planning. To know any disorder either in health or wealth the first step must be to know the present status, strengths and weakness. We can say after diagnosing the problem it will be easer to heal the disorder
How we work?


Financial planning is a six step process

  • Establishing the relationship
  • Data gathering and goal setting
  • Identification of financial problems
  • Preparation of written alternatives and recommendations
  • Implementation of agreed recommendations
  • Review and revision of the plan







Know the Financial Value of your Emotional Value

There is a myth that we take the risk as per our wish but it is also a half truth, risk is not depend upon on our wish but our present situation define the level of our risk. And the difference between the our risk taking appetite and required risk appetite is the short fall to achieve of achieving the goals It is true that we take risk as per our attitude and our attitude decides our portfolio risk and level of risk we will take will decide the return we will get.


Let us first look at the example of important Goals in our lives:-

Child Education

Assume your child age is 3 years and inflation rate is 6%.

Q. What is the Average Age when a child needs Higher Education?

20 years

Q. What is the Average Cost of Higher Education Today?

Rs.8 Lacs
Rs.15 Lacs
Foreign Study 
Rs.25 Lacs

Q. How much would the Higher Education cost you at the maturity?

Ans. After 17 yrs  
Rs.21 Lacs
Rs.41 Lacs
Foreign Study 
Rs.67 Lacs

Are you on the right path to provide good education for your child?


You can get around Rs.21 lacs or more for your Child’s Higher Education by investing Rs. 1,500 per month.

SIP Amount per month
Rs.21 Lacs    
Rs.41 Lacs
Foreign Study
Rs.67 Lacs

SIP mean Systematic Investment Plan.

Assuming returns of 20% rate per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity Mutual funds

“Top Ranking Indian Mutual Funds gave highest returns for the last 10 years: up to 35% PA.”

Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education & planning for retirement. The Financial Planning process consists of six steps that help you take a 'big picture' look at where you are currently.

At The Financial Planners we first ask our client what is your life’s biggest goal and most of the time we listen that I want my children must be highly educated, well settled, successful & happy. This is the goal what most of us also believe the biggest goal of life but the story doesn’t end here, you also want to have grand marriage and another most important ample amount of money when you get retired, So Start now



Your Attitude To Risk

There is a myth that we take the risk as per our wish but it is a half truth , because risk is not depends upon our wish but our present situation define the level of our risk.And the difference between  our risk taking appitite and required risk appetite is the short fall of achieving the future goals It is true that we take risk as per our attitude and our attitude decides our portfolio risk and level of risk we will take will decide the return we will get.


This brief questionnaire will help us understand your risk profile and recommend an appropriate assest allocation to suit your needs
1. What is your investment Horizon? How long can you keep your money invested in the market before needing access to it?

a)Up to two year
b)Two and three years
c)Three and five years
d)Five years or more

a)Above 60 years
b)53-60 years
c)41-52 years
d)29-40 years
e)below 28 years

a)I am a novice.I don't understand the markets at all
b)I have basic understanding of investing.I understand the risks and basic investment concepts like diversification.
c)I have an amateur interest in investing. I have invested earlier on my own. I understand how markets fluctuate and the pros and cons of different investment classes.
d)I am anexperienced investor.I have invested in different markets and understand different investment strategies. I have my own investment philosophy.

a)very unstable
c)Some what stable
e)Very stable

a)I can consider Loss of 25% if the possible gains are of 50%
b)I can consider Loss of 8% if the possible gains are of 22%
c)I cannot consider any Loss
d)I can consider Loss of 4% if the possible gains are of 10%
e)I can consider Loss of 14% if the possible gains are of 30%

a)Immediately if there iis an erosion of my capital
b)I'd hold for 3 months
c)I'd hold for 6 months
d)I'd hold for one year
e)I'd hold for up to two years
f)More than two years

a) Preferably guaranteed returns, before tax savings
b)Variability in returns, some tax savings
c)Moderate variability in returns, reasonable tax savings
d)Unstable, but potentially higher returns, maximizing tax efficiency

a)Cut losses immediately and liquidate all investments. Capital preservation is paramount
b)Cut your losses and transfer investments to safer asset classes
c)You would be worried, but would give your investments a little more time
d)You are ok with volatility and accept decline in portfolio value as a part of investing. You would keep your investments as they are
e)You would add to your investments to bring the average buying price lower. You are confident about your investments and are not perturbed by notional losses

Worst year
Average year
Best year
Investment A
Investment B
Investment C
Investment D
Investment E
Investment F

Retirement Planning .

Retirement planning is becoming ammater of cocern for a lot of people these days. Earlier, people didn’t worry about retirement primarily because of the joint family system where it was considerd the earning members’ duty to serve the loder generation.But of late, disintegration of the joint family system and increased life expectancy has resulted in retirement planning becoming a necessity.

What is Retirement planning?
Retirement planning is the process of ensuring that there are sufficient financial resources to provide a desired lifestyle during the retirement years of an individual.
Retirement planning is a key element in the financial planning process. The purpose of retirement planning is to ensure that your golden years are indeed, golden. Retirement planning is a process that runs through different life stages of an investor. It starts with the commencement of an individual’s working life, when the retirement plan is first put in place, than the individual goes through his working life accumulation funds which are required to build up retirement nest.

Increased longevity:- Chances are that you will live longer than your grand parents or parents did due to advances in the field of science and medical research have driven this success by increasing the likelihood that more infects will survive into adulthood and the probability that a 65-year old Indian will have greater chances of living into his 80s and even 90s.

Yes please give a serious thought to it and to know about your retirement fund requirement fill the below given form and we will send you the plan on your mail.


Please enter "Value" in given fileds, it will help us to calcualte how much money you need to save to fullfill your Retirement Planning.


Find Out Your Financial Need

Just Fillup the Form.

Your Plans & Goals
Financial Goals
Estimated amount required
Needed in which year ?
Buying a house
Future planning for childrens
buying a car
Travel plan


Find Out Your Insurance Need

Just Fillup the Form.


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