Comprehensive financial plan

Coverage period: ongoing, renewed annually

Scope of Service

We work with each client's complete financial assets, as assets/liabilities and goals will be misaligned if only a part of your savings is brought into this planning process.

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1. Risk profile assessment.

2. Review of:

Current assets and liabilities.
Insurance cover - life and health.
Current income, investments towards retirement and other goals.
Post retirement income and investment requirements.
Pension and retirement benefits calculation for govt / defence employees.

3. Financial plan to include:

Management of assets, including retirement benefits.
Management of existing loans, decision to close, continue and related actions.
Financial asset allocation.
Mutual funds, PPF, NPS, govt schemes and other instrument investments.
Monthly investment schedule based on investment plan.
Creating and maintaining an emergency fund.
Retirement plan.
Delivery of comprehensive wealth report.

4. Handholding of checklist actions.

5. Ongoing Support and Management:

Monitor performance of all investment schemes against their respective benchmarks to identify any sustained underperformance.
Continuous oversight of scheme changes, such as fund manager departures asset allocation, investment philosophy, to evaluate the long-term impact on the portfolio.
Portfolio rebalancing conducted annually, typically during the anniversary month, to ensure the asset allocation remains aligned with the target risk profile.
Rebalancing actions when an asset class deviates by more than 5% from its target to minimize unnecessary transaction costs and capital gains taxes.
Automated investment processes, including Systematic Transfer Plans (STP) and Systematic Investment Plans (SIP), audited to ensure operational efficiency.
Capital protection strategy for long-term goals by shifting required funds from equity to debt approximately one year before the target date of need.
Risk profile is reassessed every year to determine if changes in financial status or market comfort allow for a recalibration of equity exposure.
Ongoing oversight of Systematic Investment/Withdrawal Plans (SIP/SWP) to ensure monthly income remains consistent while accounting for inflation and tax liabilities.
Digital access via a dedicated application for real-time tracking of portfolio value, scheme performance, and both realized and unrealized capital gains.
Portfolio adjustments reviewed for tax efficiency to ensure that any redemptions or switches do not incur excessive capital gains liabilities.
Periodic reviews to adjust financial goals based on updated inflation and investor inputs, ensuring the corpus remains sufficient for its intended future use.
Advisory services provided on a fiduciary, no-commission basis to ensure all ongoing recommendations are objective and independent of product manufacturers.
Quarterly updates of progress on actionable checklist and portfolio performance.
Half Yearly portfolio performance discussion.
On annual renewal, a year review of financial plan and rebalancing of all financial assets in the first month of the period to include asset allocation, mutual fund investments and SIPs, NPS, PF, FDs and other investments. This includes selling and buying advice to achieve target asset allocation and goals.
Advice on all financial matters related to the client during the period of this agreement.
Financial coaching and education via updates on market, investments and financial wellbeing.

Exclusions

Advice on stocks and shares.
Tax filing.
Advisory on two incomes in the family includes only main income earner and spouse.
Services do not include financial advice for grown up and earning children.

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Fee Structure:

Financial Assets Tier	Resident Indian Annual Fee	NRI Annual Fee	Asset Scope & Valuation Rules	Year 1 Payment Schedule	Year 2+ Payment Schedule
Under 1 Crore	50,000 + GST fee fixed at beginning of each year	55,000 + GST fee fixed at beginning of each year	Assets included for fee calculation: DSOPF, PPF, EPF, FDs, Mutual Funds, REITs, SIFs, NPS, PMS, Postal Deposits, Bonds, moneyback/ULIP policies (any funds included in the financial plan). Assets excluded for fee calculation: Real estate and gold jewellery.	Split into three equal installments: 1/3 on signing the agreement 1/3 on plan finalization 1/3 at the beginning of the 7th month of the agreement	Quarterly installments in advance
1 Crore to 3 Crore	0.50% + GST of financial assets value. Fee fixed at beginning of each year	0.55% + GST of financial assets value. Fee fixed at beginning of each year	Same as above	Same as above	Same as above

Financial Assets Tier	Annual Fee Rate	Payment Frequency	Asset Scope & Valuation Rules	Payment Schedule
3 Crore to 5 Crore	0.50% + GST of SEBI regulated financial assets	Quarterly	Included Assets: Only SEBI-regulated financial assets (Mutual Funds, SIFs, PMS, REITs, and Bonds) are counted toward the fee calculation. Excluded Assets: All other financial investments (e.g., FDs, PPF, EPF, NPS) are fully included in planning but are not counted towards the advisory fee calculation.	Paid quarterly in advance @1/4th the annual rate
5 Crore and Above	0.45% + GST of SEBI regulated financial assets	Quarterly	Same as above	Same as above

Upto 3Cr financial assets

3Cr+ financial assets