It’s not how much you make in life, it’s how much you keep. Insurance is crucial, no financial plan can be complete without considering the risk of loss. Insurance products are specifically designed to mitigate the many risks we all encounter in life. As experienced professionals in evaluating insurance needs and products, we help design and implement insurance policies that suit each individual’s needs.
- Disability/Income replacement
- Premature Death (life insurance)
- ILLNESS (long term care and health insurance)
- Auto/Home and Umbrella Liability insurance
- Specialty insurance for business owners
- Estate and Trust Services
Wealth planning is the art of structuring your wealth while building it, preserving it, and in order to transfer it to the next generation tax-optimised. Wealth planning is a mix of tax planning, wealth protection, estate planning and business succession planning and relates to your total worldwide wealth.
Wealth creation is a time-taking process and usually lasts throughout your lifetime. So the earlier you start the more time your money gets to multiply. By starting early with your retirement planning you can benefit from the power of compounding, manage the longevity risk and maximize your returns from high-risk and aggressive investments options. It’s always wise to start saving early.
Tax planning is the analysis of a financial situation or plan from a tax perspective. The purpose of tax planning is to ensure tax efficiency. Through tax planning, all elements of the financial plan work together in the most tax-efficient manner possible. Tax planning is an essential part of a financial plan. Reduction of tax liability and maximizing the ability to contribute to retirement plans are crucial for success.
Tax planning covers several considerations. Considerations include timing of income, size, and timing of purchases, and planning for other expenditures. Also, the selection of investments and types of retirement plans must complement the tax filing status and deductions to create the best possible outcome.
Retirement planning is the process of planning and managing your short and long-term finances to help achieve your financial dreams both during your working years and retired life. It involves analysing your financial objectives, current financial position and expected future cash flow to develop a comprehensive retirement roadmap.
Without a judicious retirement plan in place you run the risk of outliving your savings and not being able to maintain the desired lifestyle in your retirement years. You also run the risk of not being able to accumulate enough corpus for your dependants owing to unfortunate and uncertain events like death, disability etc.
Retirement planning helps you determine how much to save today for retirement; how to invest your savings to get the desired returns;how to protect your assets and provide for in case of unfortunate events and how to make judicious use of retirement income post retirement.
Child’s Future Planning
Parents are always worried about their child’s future. And why shouldn’t they be worried, after all saving money for retirement and child’s future are the two most important decisions a person has to take in the initial stage of their life. Parents’ nervousness further increases as child grows older and the only option left with them is repenting their mistakes when there is no planning done in advance. Sometimes they feel sad about not having invested/done any savings for their child which can result in their child not getting quality education, better clothing and life style in case of death of breadwinner of the family. But financial experts are of opinion that if investments and savings for children are done carefully and in a timely manner then your child’s future would become more happier.
Investments in securities market are subject to market risk, read all the related documents carefully before investing.
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