“Financial Planning is a Habit Building Exercise. Once you are Habitual to Discipline and Follow the Process, the Great Financial Life will Follow”
- Manikaran Singal
100+ Families Trust us with their Financial & Life Goals
Yes, Its not only about making Investments, its about achieving Goals
Live RICH - Grow Money
A Completely Online, Customized and Personalized Financial planning Service. A Professional hand holding will always be along with you. This service is With Complete Implementation, Monitoring and Ongoing Support.
Plan RICH - Save Money
This is a Financial Plan only Service, for DIY Investors. You will get the Detailed Customized Financial plan document and Investment advise. Without the Implementation Support and Ongoing Advice.
Why You Need Financial Planning?
Because Life is Uncertain
Nothing is Sure in today's time. Income, Job, Health...Future always looks uncertain. What is certain is the coming Responsibilities and Old age. When you understand this, then its not difficult to accept that You have to Plan Well..to Live better. Planning gives you confidence and courage to work towards the future
Powerful way to SAVE WELL & INVEST SMART
It helps you look at your life holistically and make you invest in RIGHT Products, which suits your RISK PROFILE, considering your Long and Short term GOALS. So adequate money is available at the RIGHT TIME.
Proven technique to Organize Money Matters
Be it your Taxes, Insurance, Investments, Estate matters....all are interlinked and needs your equal attention. With a Proper structure at place you would be able to manage all of them well. So Peace of Mind is Guaranteed
“Financial Planning puts Your Money in a Structure, So you can FOCUS on other Important things in Your Life”
YOU ARE JUST A CLICK AWAY FROM YOUR FINANCIAL WELLNESS
your money management will be put into a structured process.
Your Income, Expenses, Assets, Liabilities, Insurances, Investments, Loans etc. Will be analysed and
Detailed Financial Plan be Prepared for you with action points on how to achieve your Financial Goals
I am very confident about My Financial Health
After having worked with over the last few years setting my finances in order, I am today, very confident about my financial health and the plan with which we had set out has started bearing fruit. He has taken care of my investments as if they were his own and I am glad that I engaged with a thorough professional like him.
Shreejit Nair, GM (North), HCL Technologies, Noida
Financial Planning Simplified
Great Financial Life starts with Good Money habits. Financial Planning makes your Life Simple, Disciplined and Goal Oriented
Premium Services ... ZERO Worries...
Its but natural to be apprehensive to get into a Paid SERVICE, where you don't know the exact outcome. So, let me take away the risk from you, and assure you that during the complete process, where ever you feel that you are not finding the same useful or not as what you had expected...we will refund you the 100% payment. No Questions Asked.
I am in a much more Financial Discipline Now
“Manikaran Singal is very knowledgeable and trustworthy Financial Planner . He provides a fresh impetus to your personal Financial planning by providing very transparent Pro\Con view of various financial schemes available in the market.His greatest strength lies in his deep knowledge of the Banking Sector along with Insurance and Mutual Funds . He has always under promised and over achieved which should be a trademark quality of any Financial Planner . Happy to have him provide me with his expert service”
Yadvinder Changotra, VP, Retail & Infotech Solutions, ITC, USA
Your Money Management Needs Your Attention
We will UN-complicate your Financial Life, by advising you on selecting less, but good and ideal investments.
More than Investment, Good Money management is about your Financial Wellness.
Your Money should Give you Good Life.
"Financial Planning gives you clarity, provides direction to your Goals & meaning to your Financial Decisions. It makes you disciplined towards your Money & Life."
financial Planning process
This is the stage when we get to know each other. You may ask us your questions and we would like you to share your financials with us in a structured Pre-Defined format, answer the Risk Profiler questionnaire...for us to ask the relevant questions.
Here we analyse YOUR data and SET up a Plan for YOU considering your Goals, taxation, Risk profile and other requirements. We will discuss in detail with you the calculations, Reasons behind the advise and answer your questions.
Now we are Good to Go with the Implementation of the Your Financial Plan. We will suggest the Investment products suitable to your GOALS and Risk Profile, and help invest in the same. We also do the Regular Monitoring and Review of the Plan so you always be on Track with your Money and Life.
frequently asked questions
Why there is a need for Financial Planning?
We all have made our Life Complex. With the Busy Life Style and demanding work life, it is getting difficult to focus on Personal Finances. and when you find time, the plethora of Investment products available, the noise around from TV shows and Newspapers, advise from Friends and Family, end up in more Confusion.
Financial Planning will look at your life Holistically, Analyse your Cash flow, Net worth, Risk profile, understand your assets and Liabilities,helps you prioritize your goals and builds a suitable structure so you can manage all areas of personal finances well and finally achieve your long and short term goals comfortably.
It has experienced that even if one feels that he is doing well and can manage all money matters himself, but when one grows in Professional Life, Personal financial management gets compromised easily. So a professional help , and a structured approach in the form of Financial Planning is a Must.
How would the Financial Planning Process Work?
It all starts with collating your financial data in a data sheet to understand your Financial Life holistically. This is to check the inter relationship of different elements in the data.
Post that your Risk profiling is done to understand your risk tolerance and figure out what Investment Asset Allocation would suit you the best.
If you are paying some loans, or have some Insurance Policies and other products already invested in , then those products also be analysed to find if they are the right fit in to your Long and short term requirements,
and all this lead to creation of a document called as Financial Plan. This acts as a Road map to your financial future. In this a detailed Action Plan be written on what to be done and what is to be corrected. What Investments to buy, what to exit from, what loans to continue and what to Pre close and how to make arrangements for the Pre closure.
Goal based Investment Plan be also prepared and suitable Investments product be suggested
How Regular is this exercise? Onetime, Bi Annually or Annually?
Regularity depends on the Complexity one has in its Financial Profile. Generally, it is an annual exercise, but in many cases things have to be reviewed Bi Annually and in some cases after 2 -3 years.
Financial plan may be done after specific Intervals. but Financial Planning is an Ongoing Process. Your Income Changes, Major expense change, Tax structure Change, Changes in Goals and Goal Posts, Changes in Family Structure etc. all calls for tweaking in your Financial Plan if not Redoing it.
What areas of Personal finances will the Financial plan Cover?
You name it, and it should be Part of the Financial Plan. Cash Flow (Income and expenses), Net worth ( Assets and Loans), All Investments, Your Financial Goals (Near, Short, Medium and Long term), Child education/Wedding, Retirement, Taxation, Estate distribution (Will, Trust).
However, what needs to be covered for whom depends on profile and Requirements
Will you help in the Implementation of the Plan too? Can I do it myself?
We have both the offerings. With and Without Implementation. Its completely your choice. If you feel that you can do the review and monitoring in a better way, then yes save the cost and do it yourself.
Else allow us to Professionally handhold you though our Live RICH Service.
How do you Serve the clients? Can we do it online?
Yes, we do this best. In fact 90% of our clients prefers this online route only. We are in touch with them through Skype, Phone, Email , Google hangout, WhatsApp etc. Things are going smooth. In this Fast Paced world, no one has time for personal meetings, and with technology we reduce the distance and provides cost effective advice.
Why to Pay FEE, when we are getting Financial Planning for FREE?
There is nothing FREE in this world. In fact there's a saying that if you are getting something for FREE then You are the Product. No professional will Serve you for FREE. However if they are still doing it, then either they are doing Charity work or selling you some Investment products and earning commissions out of it. And they may be earning more than what they could have asked for FEE...this is called Conflict of Interest.
Financial planning is a specialized professional service which is required to be provided by SEBI Registered Advisers only, and you shall not expect Cheap Service from experienced professional.
How are you Different from Other Advisers?
We are not different still we are among very few Advisers in the country who are Registered with SEBI as investment advisers (Regd no.. INA100001620). This lets us assume the role of Fiduciary to act in client's best interest, and we take this job very seriously. We are also among very few advisers who works on "Fee only"basis...so there should be ZERO chance of any Conflcit of Interest in the Relationship.
Having more than 15 years of experience in this financial services space, we have dealt with many different client profiles from different parts of the world. We have Doctors, IT professionals, Government Servicemen, Defence Personnel, Business persons and NRIs as our clients
What Guarantee you give on the Investment Returns?
No Professional can give guarantee of anything. They only can handle things the best of their Knowledge, experience and Wisdom.
No doctor can give guarantee of curing the patient, No Advocate can give guarantee of winning the case, same way no Financial planner can give guarantee on Investment Return.
What we can ensure is that Process be followed diligently and intelligently provided we keep getting client's Support and responses timely.
What Kind of Client Profiles you have Served till now?
We have no restrictions on the client profiles. We are ready to help all those who are ready to be helped. However, we have been serving clients from different parts of the world, across different profiles like IT Professionals, Doctors, Government Servicemen, Defence Personnel, Business Persons, NRIs
Who will do my Financial Planning ? You or Robo or Team?
To Serve Well, a Good Professional have to have a Professional Team. However, It is also important to be part of each and every financial plan, so one should be aware if the team is doing it in the right way or not.
Moreover, to me it is a profession and not a business. So i personally take care of all my clients. I (Manikaran Singal) involve myself in all the plans and Reviews. In fact i am the one who interacts with all the clients on all Financial planning issues. Implementation /Execution may be done by the team, but I will take care of the Review and recommendations part.
I am more comfortable with Personal Meetings, Will you help?
Yes. For those who prefer personal meetings we do have that service option too. In that we meet our client twice at their location, and if they are local then invite them to our Office. Since this may require travelling and also its more time consuming so , the cost of this Service is a bit higher then the online one.
Let's have a No Strings attached FREE Discussion on your requirements and explain how You will get benefit from our Services . Fill in your details in the below form, We will Call you.
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