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Congratulations!!! because you are looking for financial planning and that’s the first step to taking control of your financial life. We invite you, and sincerely request you, to spare ten minutes to browse our site, at least the homepage. The investment of ten minutes might change your financial health & financial life completely once you get to know Why Financial Planning is Needed and what it can do for you.

“Knowing where you want to go is Valuable. Knowing how to to get there is Priceless”. And that in a nutshell is What True Financial Planning is All About. First it helps you determine where you’re going financially and what you want for your financial future. Then it helps you make it happen.

There’s an old saying that “by failing to plan, you are planning to fail”. Without a Sound Personal Financial Plan, it’s like starting on a journey without knowing where you are going. Personal financial planning is a process – an organized and well-planned course of action for strategically managing your finances to Achieve Your Life Financial Goals. The emphasis is on creating a road map for finances and attaining your financial goals steps by step.

Personal Financial planning is a dynamic ongoing process that takes into account the “WHOLE YOU” – your financial life, your income, assets, liabilities etc. and your personal life – your values, dreams, wants, needs, time horizons etc. And most importantly, your financial plans must reflect your attitude toward risk and reward. The result is a custom-tailored strategy to help you achieve your financial goals. A personal financial plan that will show you how to optimize your financial decisions to make the most of your wealth – now and in the future.

Wealth creation requires long-term planning and strategies. Your time is valuable, better spent pursuing those things you enjoy. At the same time, the complexity associated with personal financial decision-making continues to intensify and individuals are increasingly responsible for planning their financial future. Constantly changing tax laws, increased market volatility and expanding investment options make it is essential that you work with an experienced and independent financial planner who can provide you with the objective guidance you need.

You might ask If a Financial Planner is Truly Necessary? YES. When people lack direction they tend to make very expensive mistakes. The key to financial security is increased knowledge together with sound strategy. That’s where a Financial Planner comes to the rescue. None of us can predict the future, but we at PRUDENT ADVICE can model it for you. Imagine being transported to see what your financial future looks like but with the advantage of being able to come back and do something about it if you do not like what you see!

In the future, you will either have enough money or you will not. But right now, there is something you can do to make sure that you will have enough money — and better still — be able to spare time and money to enjoy life.

DO YOU FIND THE FEE HIGH? Well, just ponder over the following points:

Rs. 1,25,000 / $ 2,876 (you read it correct, there is no typing error) is the average fee charged for making a comprehensive financial plan in USA, according to an executive report by Financial Planning Association’s (FPA) Research Desk.
Monthly fee is much less than what you already pay for your mobile bills, health club charges or even a dine out with family.
Lastly, and most importantly, you have paid much more than the fee indirectly to agents and will keep on doing so for any future investments you will make.

If you still need reasons to be convinced, we believe you ought to think more prudently to fit Ideal Financial Planning Client’s Profile. If you are convinced, remember ‘knowing is not enough, we must act on the knowledge‘. So, make a move and leave your contact details for the Free Initial Discussion with our Founder & Chief Financial Planner.

As Fee-based Financial Planner in India, we have the objectivity and independence to recommend what we believe to be best course of action for you.

Get Your Online Personal Financial Plan Now. Remember, every day is an opportunity to ensure a happy ending.

Financial Planning ~ Misconceptions v/s Truth

Financial planning is most commonly perceived to be similar to investment advisory, but they actually mean two different things. An investment advisor makes investment recommendations for a fee. But, a financial planner is like an architect who draws up a blueprint of what needs to be done on various fronts like liquidity & cash management, financial goals planning (like retirement, kid’s education/marriage etc.), risk & insurance planning, cashflow planning, estate planning etc. Investment advice comes at the end of a financial plan after all aspects have been analysed and is a by-product of comprehensive personal financial planning.

You tend to hear a lot about Personal Financial Planning these days. Problem is that, Financial Planning is used in all sorts of contexts by insurance agents, Mutual Fund distributors, Banks & other intermediaries to cause confusion in the minds of people.

What is Financial Planning? However, Financial Planning is actually not what these people would have you believe. The planning part is completely overlooked which gives a wrong impression about Financial Planning. To address the lack of awareness and the wrong perceptions about Financial Planning, we have prepared few questions which will help you understand the true financial planning.

Financial Planning Services at PRUDENT ADVICE

We at PRUDENT ADVICE offer expert financial advice on how to save, where to invest, insurance, life style planning, etc. but our true value delivery is in helping you create an all encompassing and coordinated picture of your current and future financial situation. Through our Financial Planning Services, we can help address your concerns in the following areas: