Services
Six assessments, one conversation each.
Each one ends in a number and the reasoning behind it, whether or not you buy anything. The arithmetic comes before the product.
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Financial Assessment
A financial assessment is a full read of what you earn, what you spend, what you owe and what you already hold, ending in a number: the gap between where you are now and where you want to be. Start with your goals and questions; you do not need to choose a product first.
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Child Future Assessment
A child future assessment works out what your child's education is likely to cost in the year they actually need it, not in today's money, and what you would have to invest each month from now to get there. Education costs have historically risen faster than general inflation, which is what makes the gap larger than parents expect.
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Retirement Assessment
A retirement assessment produces two numbers: the corpus you need to fund the life you want after you stop earning, and the monthly investment that reaches it from where you are today. It also gives you an honest answer to the question most people avoid, which is whether the current savings rate gets there at all.
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Tax Assessment
A tax assessment looks at what you are paying now and which part of it is legitimately avoidable, without buying something you do not otherwise need purely for the deduction. It is a review of structure and timing rather than a filing service, and it works best before the year ends rather than in the March rush.
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Risk Assessment
A risk assessment measures the distance between the cover you hold and the cover your family would actually need if your income stopped tomorrow. It covers life, health and the emergency fund that sits underneath both. Most people discover they are either badly underinsured or paying for cover that does very little.
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Will Writing
Will writing puts your wishes in a form that holds up, so what you built reaches the people you built it for without a dispute. It also fixes the most common and most expensive misunderstanding in Indian personal finance, which is the assumption that a nomination and a will do the same job.
Read moreNot sure which one you need?
A financial assessment brings your income, commitments and goals together. Explore it if you want an overview before choosing a more specific assessment.