Financial Planning

  • Concept
  • Benefits
  • Process

Our mission is to provide you with a positive long-term advisor relationship built on personal trust and integrity.

What Is Financial Planning?

Financial planning is the process of setting goals, developing strategies to accomplish those goals, implementing the strategies and monitoring the progress. This financial pyramid displays the stages encountered in a properly built financial plan.

Financial planning is the process of meeting your financial goals through the proper management of your finances. Financial goals can include buying a home, savings for your child’s education, planning for your retirement or estate planning.

What is NOT financial planning?

While we advise Our Clients’ on Most Difficult Financial Challenges, we know that there are many mis-conceptions about financial planning, and hence we wish to clarify that :

1.Financial planning is not about buying different insurance policies
2.Financial planning is not about making an ad-hoc investments.
3.Financial planning is not about buying growth assets like Equities and Commodities.
4.Financial planning is not about parking all assets in physical one like Real Estate.

We help you to work out on where you are now, what you may need in the future and what you must do to reach your goal by the process that involves gathering relevant financial information, setting financial goals, examining your current financial status and coming up with a strategy for a plan on how you can meet with your goals, and map the gap.

Benefits Of Financial Planning:

Financial planning provides direction and meaning to financial decisions. It allows the client to understand how each financial decision they make affects other areas of their finances.

For eg. Buying a particular investment product might help them pay off their mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, the client can consider its short and long term effects on their life goals. The client can also adopt more easily to life changes and feel more secure that their goals are on track.

The importance of Financial Planning in today’s day and age emanates from the following 4 factors:

Changing lifestyles and increasing awareness : Today, a car and an air-conditioner are no longer considered luxuries. Neither are mobile phones. If we can’t do without them today, there is every possibility that we will need these goods even in old age, or at a time when our earnings are very low. 

Combat inflation: No ordinary distributor will tell you the actual value of the product you purchase from him/her at the time of its maturity. With inflation at 8-10%, real returns from our FDs in banks are actually negative. And it’s important to put your savings in instruments that will actually give good returns, after factoring in inflation. It is the single biggest ‘silent killer’.

Selecting the right investment product and options: Today, there are over 2,000 mutual fund schemes, a variety of insurance policies and thousands of other investment options. Financial planning helps you choose the right products to meet your goals and objectives.

Meet expected and unexpected needs in life: Life is full of ups and downs. If you plan for your future, you will be in a better position to handle the unexpected and expected financial needs that life will spring up.

Basic requirements:


How do we go about it?

At Capital Advisors, we take a different approach to wealth planning. Our model is consultative, customized, thoughtful and deliberate without conflicts of interest. We focus on achieving goals and managing risk. We see planning as the basis for action, and the foundation of a holistic strategy that incorporates investments, retirement, estate, tax, and financial independence planning. Our investment process begins with you. We perform a careful assessment of your individual needs and aspirations, and our evaluation is based on:

Goals and objectives,
Investment time horizon,
Liquidity needs,
Desired rate of return; and
Tolerance for risk

You Pay For It Because:

you want to engage the services of a qualified professional and ensure quality advice.

you save money when you avoid making wrong investment decisions.

financial plan precedes any advice on products and to that extent, is completely unbiased.

you put your trust in the hands of an expert and your mind at ease.

Our Process

Our approach to financial planning is simple and straightforward. However, it is also important that you fully understand our consultative process and our step by step approach.

Evaluate the current position

This is the first stage of our interaction. It involves evaluating your current situation which includes cash flow analysis, calculating your net-worth, reviewing your insurance coverage for life, disability, home, auto, health etc.

Identify goals

We then go about clearly establishing the objectives of the financial plan so that, several goals can be balanced. The goals could be short, medium or long-term and could include child’s education, marriage, your retirement etc.

Work out the plan

We then work out a clear strategy in line with your objectives and risk tolerance. Drawing up a winning asset allocation so that your financial goals are met is fundamental to a successful plan.

Implement the plan

We will assist you in the process of implementing the plan by suggesting the optimal mix of products and services that are essential for the success of the plan.

Report periodically

Once the plan is implemented we will monitor the progress on an on-going basis. We will periodically report the progress and measure the results achieved vis-à-vis the plan.

Review & Re-balance

Financial planning is a dynamic process. We will annually review the plan and progress made, to see if any modifications are required due to changes like inheritance, change in job status, birth or death in the family etc.

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