The following are the questions that we answer frequently while interacting with people like you. To help you in understanding our business better, we are presenting the same with our answers.
Yes. Our Chief Planner is holding a CFP certification, awarded by the Financial Planning Standards Board (FPSB), India. She is also a visiting faculty to various training institutions involved as authorised education providers of FPSB.
We specialise in Financial Planning to individuals like you and SMEs. Financial Planning is our business and that is where our focus is. We also offer money back guarantee on our Financial Plan. If the customer does not get what he expects, we do not claim any fee.
Financial Planning is practiced as our business since 2008. We are one of the pioneers in providing financial planning service in Chennai.
We ensure that every client gets soft and hard copies of the drafted plan. We also update on the actions taken based on the plan apart from conducting periodical reviews. We record all these including the feedback clients provide. So, at any point of time, an individual or an Organisation can take up and carry on from where we have left. With the kind of development in technolgy these days, we are in touch with clients who are abroad. We have NRIs as clients where technology comes as a tool to help us in serving them to satisfaction.
It is our unique advantage over others that we do not talk about any product in the entire plan. Investment Plan (if required) is given additionally. We offer options for our customers to choose a product that suits their requirement.
Financial Planning is different from wealth management. A Financial Planner will carve out a plan to reach personal goals within a stipulated time frame. In the process, a realistic return expectation is targeted and this process does not enhance the returns. The focus of a planner is to enable clients to achieve life goals with the set return expectations, rather than delivering maximum returns.
Yes we do this through our associate. You are free to do the execution through our associate or on your own or through any other agency.
Ganesh is a Certified Personal Financial Advisor (CPFA). He has more than 11 years of rich experience in providing personal financial advice to individuals. He is also an AMFI registered Mutual fund Distributor & IRDA registered Insurance Advisor. An Electronics & Communication student, Ganesh is highly ethical and adheres to strong values in his advisory practice. He understands very well, the goals and needs of his customers and provides unbiased & appropriate plans to them.
He is a columnist and contributes regularly to the popular magazines like, ‘Nanayam Vikatan’ , p dot g connect etc., His monthly newsletters (called Pigeon) to customers are very much sought after and provide customers with tremendous amounts of financial wisdom.
He follows a 12 by 4 contact ritual. 12 Monthly phone or skype contacts on the portfolio followed by 4 action plan reviews that is essential for monitoring a portfolio.
We do not. We are from the “Kick that Software” school of thought. Needs of individuals are different and unique. We do not think that a software developed by human has the potential to understand this. Hence we believe in a human drafting a financial plan.