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WEALTH DOCTORS FINANCIAL PLANNING ADVISORY SERVICES
(A UNIT OF VAALUEPLUS STRAATEGIC)
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WELCOME TO WEALTH DOCTORS FINANCIAL PLANNING ADVISORY SERVICES
You are the architect of your own destiny, not everyone is a good builder or Driver or Teacher Or Doctor. Here at Vaalueplus Straategic , we build a solid foundation for you to reach your desired destiny of financial stability through proper guidance and execution of financial planning as well as financial goals. As ever, we would like to be a part of your success. Whether it developing a financial planning, implementing a needs-based insurance strategy or preparing a detailed asset allocation analysis , Tax advice or investment planning in equity, debt or alternate category,Estate Planning (WILL/TRUST);our team backed by strong research and latest economic trends, are always ready to serve our beloved investor’s any queries or needs.
A universal and robust platform is made available to manage your wealth and execute your finances to make your money perform better. While we free your time and worries from the day-to-day financial hardships, our aim is to identify your goals and help them achieve it, via sound and unbiased advisory.
What we do?
An inherent need that every customer has –
- Wish if I had someone to take care of my finances.
- wish my RM does not change every now and then and I don’t have to ponder on what I have done.
- wish consistency in advice.
So here we are to make your wishes come true a one stop solution for all your financial needs.We actually deliver the service that big banks and other financial institutions advertise.
Our Objective :
Financial planning had always been restricted to the Premier classes of the society neglecting the masses. VaaluePlus Straategic realized the importance of reaching the common man to help him plan his better future. Our aim is to identify your goals and suggest means and methods to achieve financial stability through an online/offline medium, an advisory unbiased in nature and available at a very affordable rate.
Note – Our Financial planning advisory services is a fee based advisory. You can expect unbiased opinion from us at any given of time.
FINANCIAL PLANNING
In today’s uncertain economy, financial planning has become increasingly important. Changing lifestyles, change in standard of living, highly competitive market, medical expenditure; debts and loans are cause of concern today, Also ,With an overwhelming number of options for saving and investment related products , managing your finances can be difficult ,where financial planning becomes highly crucial. Not only planning the finance, but periodic reviewing them is equally imperative.Planning brings in financial independence while reviewing them is a verification to be on track with ever changing world.
Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a financial plan, it’s easier to make financial decisions and stay on track to meet your goals.
Working with a professional can secure your financial wellbeing and give you peace of mind and help you reach financial planning success.
Some people decide to do their own financial planning, but you may want to seek help from a professional if you:
- Want to better manage your finances, but aren’t sure where to start
- Don’t have time to do your own financial planning
- Want a professional opinion about the plan you’ve developed
- Don’t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning
- Have an immediate need or unexpected life event
Many a times, you may have read this word and you may have many complicated definition as well. Hope you have watched “3 IDIOTS” . When Aamir was asked the definition of machine, he said in simple language “Machine is anything that reduces human effort”. Similarly in simple language “Financial Planning is the process of meeting your life dreams/goals through the proper management of your financial resources to ensure that right amount of money available to You at the right time to enable you to meet the different Goals in his life”.
- Ex : Dream of buying a new car, a dream house, getting your children married in style, or simply retiring early to Live Life King Size.
- There are two ways you can deal with finance in your life:
- 1 Without Planning wherein at some point of time in future, you will have money and then you will decided how to use that for your goals.
- 2 With planning you decide well in advance what are your goals and how you will achieve them.
- Financial Planning Gives you more clarity in life, it provides direction and meaning to your financial decision. It helps you to provide right balance between your present and future lifestyle.
Financial Planning will answer three important questions:
- What are your financial goals?
- Where you are today in relation to your goals?
- How will you get from where you are today to your goals?
Why is Financial Planning required?
No one plans to fail but people who don’t plan are surely making plans to fail.
Today, time is with you. But will you be able to continue at the same through out your life? Will your income be the same forever? Will you be able to live on your own terms even after you retire? Answer these questions and then think for Financial Planning.
In India, (unlike in the developed countries like U S A etc) we do NOT have Social Security which basically means there is No Safety Net. Financial Planning helps you get that cushion during your Working Life as well as during Retirement.
We need to urgently ask ourselves the following questions:
- Do I have a Financial Plan in place for Myself & My Family?
- Have I planned for my Children’s World Class Education & Marriage in an Inflation Adjusted manner if yes ,how much corpus required for same?
- Would my family members who are dependent on me, be able to survive in case of my untimely demise? Have I taken Adequate Cover in case of Life/Health/Accident Insurance?
- Do I know how much Corpus I shall require at the time of Retirement? Am I prepared to live long?
- Are the Nominations in case of my Assets like Real Estate, Stocks, Bonds, Fixed Deposits, Bank Lockers etc in place?
- Have my Parents/Grandparents made their Will? Have I made my own Will?
If any one of the answer is “NO”, then you are in the right Place, please enter your details in the contact us page or simply call us/sms on our mobile numbers, myself or my team will contact you within 24 working hrs. It will be a Defining Moment in your Life.
You Pay For It Because:
- You want to engage the services of a qualified professional and ensure quality advice ,the way you engage a lawyer or Doctor or CA for their respective services.
- You save money when you avoid making wrong investment decisions.
- Financial plan precedes any advice on products and to that extent, is completely unbiased.
- Periodic reviewing them is equally imperative. Planning brings in financial independence while reviewing them is a verification to be on track with ever changing world.
- You put your trust in the hands of an expert and your mind at ease.
Our Financial Planning Process:
Our Financial plan includes detail analysis of below mentioned points:
- 2hrs free Financial Freedom Seminar or individual consulting meetings.
- Enrolment of Client after Fees is Paid.
- Data Gathering and Analysis
- Budgeting
- Risk profiling
- Identifying any financial status – or deficiencies between where you are now financially and where you want to be. Considering your attitude towards risk (Risk Profile)
- Identifying your goals and objectives.
- Cash Flow management
- Financial statement analysis( EBIDTA,PBIT,PBT,PAT)
- Understanding Financial Ratios & how do they help track wealth creation.
- Debt management
- Long term goal based planning with Risk profile based Asset Allocation.
- Cost benefit Analysis
- Risk management
- Holistic Tax planning
- Succession planning (WILL ,TRUST etc)
- Action Plan
- Reviewing and revising your plan
- Investment portfolio valuations and reviews
- Ongoing consultations as required
Comprehensive Financial Planning put together:
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Budget & Cash Flow Planning:
An analysis of your cash flow may help you uncover funds suitable for investment or other needs. As the saying goes, just when you’re about to make ends meet, someone moves the ends.An analysis on the budgeting, may help you find excess funding for an unnecessary expenses which could be easily diverted towards investment for a defined Goal.
Investment Planning:
Investment should be done in objectives and not products. If you are looking for long term investments, then you may take high exposure of Equity and if your target is nearby, you should go for Debt. Investments done in products which carry a name to itself like Smart Kid Plan, Jeevan Saathi Plan, Komal Jeevan etc. are beneficial only for the agent or the manufacturer so that they can misguide you.
Child Future Planning:
It is done to secure your child’s future by arranging funds for his higher education and marriage. It should be started as soon as your child is born. The expenses for education and marriage are rising everyday and you need to have a defined strategy to achieve these goals.
Tax Planning:
A fine is tax for doing something wrong & a tax is a fine doing something right. Tax planning is integral part of financial planning and ignoring this can have huge negative impact on your returns. With Direct tax code in picture, investor would need to plan not only at the time of making investment but also at the time of maturity as well.
Personal Goal Planning
We all have some personal goals in life, isn’t it? Personal Goal planning revolves around creating an outline of your goals that is comprehensive enough to cover every facet of your life till retirement or even after retirement. It may comprise the below :
- Intellectual Goals: Furthering your education, participating in leadership retreats, attending seminars, training and loyalty programs.
- Occupational Goals: Business may ask for immediate pooling of money, emergency finance required to acquire new clients, capital needed for diversification, lateral growth in the organization and may more…You be an entrepreneur or an executive at any organization, these contingencies needs planning.
- Lifestyle Goals: Things you do for fun and entertainment, the standard of living that you have managed to achieve and the things you feel are necessary to maintain the quality of life you aim for, to maintain a lifestyle.
- Retirement Goals: After working hard the entire life, you may plan a peaceful retirement, like a yearly vacation, medical expenditure, charity and philanthropy etc . Decisions made today decides the kind of retirement you will possess. Mostly people carry a myth that Retirement Planning is done if one has taken Pension Plan. Retirement Planning is a very vast subject and one has to evaluate factors like expected age, current life-style standard, Inflation etc. It is the biggest component of Financial Planning as Your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal in current context.
Risk Management:
High Return comes with high risk. Most of the investor concentrate on returns whereas actually we need to concentrate on Risk. Once you know how to manage risk, you automatically can increase return with minimum risk.
Experts at Vaalueplus Straategic comprehend every individuals’ personal goals and to achieve them below aspects needs to be taken into consideration:
- Organise your financial records
- Create a preliminary budget
- Determine which spending habits you need to change
- Estimate your projected income
- Take into account your future plans for increasing your income
- Set a time frame for accomplishing your goals.
- Create an extended budget
- Devise an income strategy that will sustain your goals
- Commit to your financial plan
- Reframe your financial plan as necessary
Estate Planning
Estate is everything that you possess like your residence and commercial apartment, car and personal assets like mutual funds, bonds, insurance, household items. Estate and succession planning is a process of legally structuring the future disposition of current and projected assets. This kind of planning requires skill and trust to manage unique issues that develop while implementing this planning because the decision you make now will affect your business and your family. Since its an ongoing process it should be initiated as soon the affluent realizes his measurable asset base has been created. Estate planning is an art of managing and transferring assets to your heir in advance, once you are unable to take financial decisions.
Some points to be remembered while drafting the estate planning:
- Reducing the taxes in a lawful way.
- Creating/updating the beneficiaries for life insurance policies/IRA’s.
- Guardian for living dependents.
- Will Formation.
- Setting up Power of Attorney.
- Annual Gifting to reduce tax liability.
Basic Will Formation:A will is a legal document that lays out the fate of your property after your death.It is a rule book for distributing your assets among your successors to prevent havoc of any sort. Will is prepared only after knowing the asset base that you possess. Our people are competent enough to make a basic will with an understanding of family dispute that might occur.
Proper estate planning can help save unnecessary taxes and probate costs, providing peace of mind for you and your family.
Portfolio Restructuring
Applies to derivative products, portfolio restructuring is a re-composition of a portfolio’s asset mix by selling off undesired asset types (equities, debt, or cash) or specific securities within that class, while simultaneously buying desired types or securities. The investor or adviser may use fundamental, technical and/or macroeconomics analysis while determining when and how to change the securities in the portfolio or fund.
At Vaalueplus Straategic we submit a detailed and unbiased advice needed for restructuring your assets. We actively match investment strategies and return objectives while balancing your appetite for risk. These reports are processed with formulas and analytics well known and understood by our advisers and hence we are in a position to advice you accurately. The analysis are necessary to make key decisions in timely manner.
Vaalueplus Straategic keeps a track of leading performance indicators and capital market conditions, and then evaluates performance against your goals.
So depending upon the type of investor you are (very conservative, conservative, moderate, aggressive or very aggressive) our wealth managers will assess your risk profile v/s portfolio management while the decision of executing the investment solely lies with you.
Get your Portfolio Restructuring done with us, Today!!
INSURANCE PLANNING
Insurance Advisory New
With more than 250 insurance companies present is India, you are bound to get confused on choosing the right insurance product. Insurance Advisory New guides you to buy those insurance products best suited, depending on your needs.
Vaalueplus Straategic shares an unbiased advice on buying the right insurance product with geographic independence. Investors are always willing to buy products offering high interest, good returns but ignore Life Insurance products. Vaalueplus Straategic understands the value of life and hence we guide you to buy those products that are important and secure your family members in your absence.
Insurance Advisory restructuring
Have a heap of insurance documents but not aware if these policies are needed or serve your objectives? Vaalueplus Straategic is here to sort your insurance policies in systematic manner, so that your goals are achieved faster.
Once we know your detailed insurance portfolio, we will be let you know the policies available with you to be continued and those needed for termination. Switching between the policies is also an effective way of insurance restructuring and advisers like us can help you guide through it.
Avail our facility of insurance buying and insurance restructuring and we assure you that you are fully insured!!
Wealth Management Process:
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Benefits to you : Being a Partner with us
- Time Saved
- Money Saved
- Better returns earned through effective financial strategies and achieving your cherished Goal.
- Peace of Mind
WHY VAALUEPLUS STRAATEGIC FINANCIAL PLANNERS?
** We actually deliver the service that big banks and other financial institutions advertise.
** Comprehensive : We work on one principal “people have one thing in common that they all are different”. We look at every aspect of our client’s Life issues cum financial situations(so We call ourselves Life Planners ,not just Financial Planners). That’s the only way to give truly customized, comprehensive planning advice.
** Independent: Your Best Interest is Our Only Interest. We work for you – not a bank, brokerage firm, mutual fund house or insurance company who sells you low value products with high commission for themselves.
**Financial Planning takes into account the inter-related nature of the goals that one has & helps in deploying the finances so that the high priority goals are given precedence & are met. It takes away the uncertainty out of life and brings in peace of mind.
Services We Provide:
ONE STOP DESTINATION
Don’t choose different agents, choose a complete Financial Consultant. In today’s complex scenario, people don’t have time to visit or maintain different agents for various investment products. We offer you a very wide range of basket of products which suits to your every need. Vaalueplus straategic, a single point shopping mall for all your financial investments and needs. Be it Mutual Funds, Life Insurance, General Insurance, Equity Trading, Fixed Deposit or Gold investment or something else, our expert team will identify the best products across the industry for you.
PORTFOLIO AT FINGER TIPS
Seamless and streamlined for investor convenience. Doing investment is now as easy as booking railways ticket or buy movie ticket online. All you need is an internet connection and Vaalueplus straategic Account. Vaalueplus straategic provides you a complete platform to buy, sell, switch, redeem, Start SIP, Stop SIP without any paper work. You can very well diversified and create your own portfolio with the help of our Financial Planner. Apart from it, there are lots of value added services like triggers, maturity alerts, price alerts, SIP alerts and managing entire family portfolio through single click etc.
PERSONALIZED SERVICE
If your next door person is having medicines for diabetes or cancer, do you start taking the same? Then why this principal for investment…? In life every person has a different goals and dream. Every person has a different relationship with Risk and Return. We as a Financial Planner appoint a dedicated relationship manager for you, who will understand your relationship with risk and return and suggest you the perfect mix of asset class viz. Equity, Debt, Real Estate and Alternate. He will guide you at each and every level of investment and will make you worry free.
TIMELY REVIEW
Review your portfolio often to keep investments on track. It is imperative for investors to review their portfolio on a regular basis to check whether their investments are performing well. Investor, who doesn’t review his / her portfolio, has lots of dead or loss making stock or assets in it. However, as the life and economic scenario changes, our team will review your portfolio periodically and suggest you to do suitable changes or amendments in your portfolio.
Our Guiding Values :
- Truth, Honesty .
- Openness ,Continuous Learning & Improvement.
- Teamwork
- Integrity
- Thoroughness & Reliability
- Fun & Humour.
FAQs
Good advice from an experienced, well-informed adviser can help people save money, protect against risk, manage debts, grow assets, reduce tax liabilities, plan for retirement, identify entitlements for government benefits, and plan what inheritance is to be left to the next generation.
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Financial planning is nothing but determines how you can meet your life goals through the proper management of your personal financial affairs. Key to effective financial planning is the ability to consider your ins and outs of financial situation, and to identify and analyze the interrelationships among sometimes conflicting objectives. It is the combination of both knowledge and skills across a broad range of topics that distinguishes professional financial planning from other related financial advice.
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Need :- Because you have critical needs-such as financial independence, wealth accumulation, the welfare of your family, the education of children and grandchildren, lifestyle maintenance, and retirement-so a single solution won’t work.
Results :- Because you must meet your needs, and planning is essential to the success of any important, long-term undertaking.
Cost :-Because the cost of not planning is far higher than planning cost. Even the costs along the way-for investments, insurance, taxes, and other financial necessities are less with planning than without.
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When you are searching for a financial advisor, what you are looking for is a Chief Financial Officer to help you run your family’s financial affairs. Do they offer only investment and portfolio management advice on securities (stock, mutual funds, bonds, etc.) or do they do comprehensive planning? This includes Goal Setting, Cash Management, Tax Planning, Education Funding, Retirement Planning, Protections Planning (medical, life, disability, long term care, and property/casualty), and Estate Planning. It is nice to work with someone who is going to help you with get to your goals in life. Make sure the experience is relevant and they are up front with the information.
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Get the compensation structure of your Financial Planner up front. Nothing is free and people do not work for free. Upfront fees are direct fees, which is visible. If you consult with a financial planner before you purchase any financial products and make plan for you and according to financial plan even you buy financial products from bank or agent you can save time and money both.
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Fees
It varies from Rs 5999/- to Rs 24,999/- based on the client’s risk profile ,income range(Salaried/non-salaried) ,liability ,No. Of Goals to achieve, Cost benefit analysis, No. of dependents, Existing investment analysis etc
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