We all have many responsibilities and goals in our lives. We have dreams and aspirations for a better future. But quite often we are not sure as to how we will fulfill these goals and aspirations. Life changes over time. We may never be sure what today holds for us tomorrow. What if something goes wrong? How do we make sure that we get what we wish?
A
comprehensive Financial Plan is what you need. We offer you with Comprehensive
Financial Planning solutions which would involve a detailed study of your goal,
preparation of a comprehensive Financial Plan and
monitoring of the Financial Plan on an on-going basis.
Financial planning is not about one time asset allocation: it is an ongoing
process that requires taking a view of all your financial transactions and
situation. It takes a holistic look at your finances currently: it takes into
account your incomes and expenses as well as your starting net worth. It then
projects your financial situation going forward and helps you make financially
prudent decisions on the way!
Why Clients do not plan?
THERE ARE MANY REASONS why clients may not undertake financial planning on their own, including the following:
- Thinking they have insufficient assets or income to warrant planning
- Assuming their financial situation is in good order
- Putting off what is complex and worrisome
- Not wanting to consider unpleasant events, such as death, disability, unemployment or property loss
- Thinking Financial Planning is expensive
All these Assumptions are FALSE. Of course, failing to plan also COSTS Money.
Why clients need to plan?
Consequences of Not Planning include the following:
- Inadequate Protection against personal catastrophes such as death, accident, serious illness or other major negative events.
- Too little money set aside for retirement.
- Not reaching Financial Goals in life.
- Higher than necessary Income Tax.
Why should you plan with Kesari Financial Services?
Kesari Financial Services clients have the following advantage:
- Kesari Financial Services is a one-stop shop: Single point of contact for all financial needs.
- We only hire Certified Financial Planners, these are highly qualified individuals with at least 10 years of experience in the financial industry (there are less than 2000 CFPs across India).
- We believe in taking a 360-degree approach to financial planning.
- We hold ourselves directly responsible and accountable for your financial health.
- We pride ourselves on our conservative investing style that yields higher returns and lower risk.
- We will only accept fees from our clients at the end of the service. Our fees are based on the quality of service we provide our clients.
- Our clients have absolute control over their portfolio at all times.
BENEFITS FOR YOU!!
We represent our clients only – You! This is diametrically opposite to distributors/ agents who represent their principals.
We are Fiduciaries, who are advisors that act in your best interests, always. We do not receive any commission from any product that we are recommending, ensuring conflict-free advice. If there are any potential conflicts of interests, we would disclose them to you. Hence, our dealings are Honest, Ethical u0026amp; We Act with Integrity – which we reckon, would be very important to you!
In a nutshell, you are dealing with advisors, who represent you u0026amp; do what is best for you.
Why True Advice is invaluable to you?
It’s very difficult to find true, client-centric advice in personal finance area. Mostly, the “advice” one gets is from an agent, which for most part is self-serving in nature. Even otherwise, the “advice” is steeped in conflict of interest, as they want you buy their products based on their “advice”. Also, agents tend to have limited knowledge beyond their domain area (say Mutual Funds). Their knowledge/ expertise across asset classes, advisory capabilities, education, and experience in advising will be evolving.
How Big is the Benefit?
- Stop making mistakes – When you come to Kesari Financial Services, obvious mistakes are avoided. Conflict ridden advice would mean choosing products that may not even suit you u0026amp; are costly and hence depresses your returns. Think about it. Getting into wrong insurance products, for instance, can bog you down for decades. Sometimes, a client has been sold a completely wrong product by his agent, as a solution. As experienced Financial Planners/ Wealth Advisors, we can pick out good investments for you; help you to avoid obvious mistakes and costly errors, which happen all too often, in the financial services space. We see that when clients come to us with their portfolio. Some of our clients have lost lakhs of rupees by opting for patently unsuited products, which deliver low returns u0026amp; which are not even a good fit to achieve their goals. When you come to a good advisor such mistakes are automatically avoided.
- Better Solutions – Apart from avoiding blunders, good advisors/ planners would be able to optimize the choices to clients based on best fit, taxation, liquidity needs, tenure needs, returns u0026amp; risk inherent among others. We are conscious of the costs various products impose and will help you choose the right ones with low charges. Also, among products, we will put together a bouquet that is specifically relevant to you. We assist with reallocating the existing resources properly which unlocks huge value, in monetary terms. Many times, this itself is much, much more than the fee we charge. When you are in professional hands, you get back the control of your finances and life. Hence, you can be sure that you are in trusted hands. You will feel secure that your investments are properly optimized and the family security has been ensured through appropriate safeguards. You know now that you can enjoy life without worrying about the future.
With us, you get conflict free advice u0026amp; actually save/ make a lot of money. You will have full clarity u0026amp; enjoy peace of mind.