Plan Now, Live Awesome!

Committing to a financial plan is a crucial step on the road to financial security!

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Why you need a good financial adviser?

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My insurance Plan
My Wealth creation
My Child's future
My Retirement Plan
My Estate Plan
My Business Protection
It is about you

Plan your financial life with purpose

Craft a customized plan that makes sense to you and have a meaningful conversation with your financial adviser. Use the financial tools below.

How long will my current life insurance proceeds last?

You may think that you are adequately insured in the event of your death. It may surprise how quickly the tax-free insurance proceeds may be depleted by your survivor income needs.

Are My Current Retirement Savings Sufficient?​

One method of retirement planning is to project what you are currently saving and have already accumulated to see if you will have enough to meet your retirement objectives.

Becoming A Millionaire​

It may surprise you how quickly you can accumulate a million dollars.

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Whether you’re looking to secure your loved ones, plan your retirement, plan your child’s future or create wealth, financial professionals can help.  Enter your details below and we will contact you.

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Bringing clarity to financial decisions

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DIY financial tool-kit

Conduct self-assessment of your financial needs using our financial calculators to avoid guess work

Introducing you to a financial professional

To create a plan for meeting your financial goals by recommending strategies for securing what matters to you most and building wealth over the long term.

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Your chance to be the creative participants rather than passive recipients of life insurance products. Design products and services you will love .

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What is financial planning

Financial Planning Standards Board Ltd. (FPSB) defines financial planning as a “process of developing strategies to help people manage their financial affairs to meet life goals.” 

A financial planner’s job is to learn about, and understand your personal finance situation, design a plan that fit’s your financial need and the needs of dependent family, implement that plan and review it periodically. 

Source : https://www.fpsb.org/about-financial-planning/financial-planning-process

Committing to a financial plan is a crucial step on the road to financial security

Financial Planning Process
BUILDING MATERIALS

Constructing a best-in-class financial plan

Asset Classes

Equity, Fixed income, Cash, Alternatives like Commodities FX, Real Estate Crypto, collectibles etc.

Mutual Funds

Money market, Equity, Fixed income, Hybrid or balanced, Index, Specialty and more

ETFs

Commodity, Equity, Fixed, Income, Currency Real Estate, Specialty

Portfolio bonds

Tax efficient and offers virtually unlimited choice of global assets- Equities and fixed income, Unit trusts, Open-ended investment companies, Investment trusts, offshore funds, Hedge funds, exchange traded funds, Structured notes many more

Life insurance

Term plans -Level Term, Decreasing term, convertible, renewable Whole of life plans

Unit linked savings

Guided architecture -Funds, managed portfolio, Single pay, Limited pay or regular pay, Hybrid protection + savings and more

REITs

Invest in large-scale, income-producing real estate without actually going out and buy commercial real estate

International Investment Platforms

DIY online superstore of financial products - Equities and fixed income, Unit trusts, Open-ended investment companies, Investment trusts, offshore funds, Hedge funds, exchange-traded funds, Structured notes and many more

The above information is not exhaustive. There are lot more options in the investment world.  Remember, a product only provides access to asset classes. The assets you choose will make or break your investment portfolio. You should discuss with your financial or investment adviser about your goals, asset allocation and budget, and then carefully choose your investments. This information is supplied from sources we believe to be reliable, but we cannot guarantee its accuracy.  The information is for educational use only and are not intended to provide financial, legal, investment, or tax advice. We recommend that you use this information as a guide only and ultimately seek the guidance of an experienced professional.
Business Protection

Would your business survive if a key person suddenly passed away?

Sudden death or long-term absence could have a massive impact on your business’ success.

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Frequently Asked Question

A good financial adviser will ask questions about your financial situation and your interests, family, and lifestyle. Your interest, family or lifestyle can influence your financial goals and decision-making. Having a good understanding of your motivations may help him understand your willingness to take on risk or the triggers that will make you excited or spark your concern. The goal is to help you create a financial plan that will serve you well in good times or bad, so you always feel confident about reaching your financial goals.

The objective of a term plan is to secure your loved ones.  The purpose is realised only when the claim is paid, and the beneficiaries live their life comfortably as was envisaged when you bought the plan. It is imperative to keep this objective in mind in evaluating a term plan, points like premium amount etc. come secondary. Below is a simple guideline on how to evaluate a plan. A good financial adviser can help you elaborate more.

  1. Company – Brand, years in business, reviews – Remember reputation matters
  2. Benefits to premium ratio – Look at the number of benefits offered by the plan. A benefit is not a feature, but how a particular feature works for you. Having a plan with ten features and none resonating with your needs is not a good plan for you. If the number of benefits you get is higher even if you pay a slightly higher premium, it is a good plan.
  3. Claim ratio- This is the key because this affects your objective and a company’s reputation.
  4. Fine print: Go through the fine print carefully, which includes the exclusions.
  5. Amount of cover – Estimate the cover you require with the help of a financial adviser and buy the correct amount
  6. Onboarding process- A reasonably quick policy issuance process with proper due diligence should be preferred. Please remember to provide correct details, especially the details which affect the application’s underwriting, such as Age, health details, habits, occupation etc. If a company asks for a medical test, go for it as this will shift the onus on the company and help meet your objective.
  7. Financial adviser- License, qualifications, years in business, reputation
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Plan your financial life with a purpose