Services
Built around the plan, not around a product.
Four things we do, in the order they matter. Most clients start with the second or the fourth and only later realise the first was missing.
Financial planning
Every goal gets a number, a date and a funding route.
1y
4y
12y
25y
Emergency fund
Car
Child's education
Retirement
Nearer goals sit in debt, distant ones in equity. The horizon picks the asset, not the other way round.
- Goal mapping for individuals, families, HUFs and companies
- Inflation-adjusted targets, so the number is the real one
- Contribution schedules matched to your cash flow, not a template
- Written plan with review dates
Portfolio restructuring
Most portfolios we see hold eleven schemes doing the work of four.
- Overlap and duplication analysis across existing holdings
- Consolidation into a smaller, intentional set of schemes
- Exit sequencing that considers exit loads and capital gains
- A clear before-and-after, so you can see what changed and why
Asset allocation
The mix between equity, debt and hybrid does more work than fund selection.
- Equity · 60%
- Goals eight years out or further
- Debt · 30%
- Anything needed within three to five years
- Hybrid · 10%
- The bridge between the two
- Allocation set by horizon and by your capacity to tolerate a bad year
- Debt for anything needed within three to five years
- Rebalancing discipline as allocations drift
- Glide path that de-risks as a goal approaches
Risk management
The return conversation is the last one, not the first.
Goal investing
Only once the two below are genuinely in place
Adequate cover
Term and health insurance sized to the household
Emergency corpus
Six months of actual outgo, in liquid form
Funded bottom-up, never the other way round.
- Emergency corpus sized to your actual monthly outgo
- Insurance adequacy review — cover, not investment
- Concentration risk in employer stock, property or a single business
- Nomination, documentation and succession housekeeping
Not sure which of these you need?
That is a normal place to start. Thirty minutes on the phone usually settles it.