Financial Planning For Individuals

Financial Planning

When it comes to wealth creation, the spotlight is often on numbers and other aspects are neglected. Financial Planning ensures that a more wholesome approach is followed. The financial plan is a path which will take you to your ultimate goal.


What is Personal Financial Planning?
A financial plan helps to keep a track of financial commitments made by an individual. A financial plan gets you from where you are to where you want to be. A financial plan narrows in on key action items for wealth creation.

Financial Planning is an ongoing process to help you make sensible decisions about money that can help you achieve your goals in life; it's not just about buying products like a pension or an insurance policy. It might involve putting appropriate wills in place to protect your family, thinking about how your family will manage without your income should you fall ill or die prematurely, spending money differently, but it involves thinking about all of these things together i.e. your 'plan'.

We start by working out your goals in life, in the short, medium and long term. We prioritize them and think about the likely cost of those goals and when you will need the money, so you can start to plan your finances to work out how to achieve them. Don’t forget you also have to plan for some of the hurdles you may have to overcome too. It’s about getting organized; being in control of your finances rather than letting your finances control you.

We offer comprehensive financial planning solutions that identify priorities, assess feasibility, and chart appropriate strategies for wealth creation.

Retirement Planning
Nowadays people tend to retire in the early stage of life, this requires a proper financial plan. Your golden years should be free of financial stress. It is a process of determining how much money you will require to set aside, so as to have a balanced post-retirement life.

Debt Management
“Manage debt before debt starts managing you”. Debt Management is an important part of financial planning. Debt Management plans help people to decrease and eliminate debt.

Estate Planning
Believe it or not, you have an estate. In fact, nearly everyone does. Your estate is comprised of everything you own— your car, home, other real estate, savings accounts, investments, life insurance, furniture, personal possessions. No matter how large or how modest, everyone has an estate and something in common—you can’t take it with you when you die.

When that happens—and it is a “when” and not an “if”—you probably want to control how those things are given to the people or organizations you care most about. To ensure your wishes are carried out, you need to provide instructions stating whom you want to receive something of yours, what you want them to receive, and when they are to receive it. You will, of course, want this to happen with the least amount paid in taxes, legal fees, and court costs.

That is estate planning—making a plan in advance and naming whom you want to receive the things you own after you die.

Tax Planning
Our proper analysis will help you to identify short and long term investments that will not only result in the growth of investment but also lower your tax load. Tax planning is done abiding by the law.


A goal can be anything, right from buying a house, children’s further education to retirement planning. It differs from individual to individual. It may be a short one or long one but unless you start working over it, it is of no use. We at Asset Multiplier are ready to make your goal achievable.

How dose it works?

  • Sign up
  • Portfolio creation
  • Execution
  • Review
  • Monitor and control

Common Misconceptions About Financial Planning

I am not rich, why should I opt for this service?
It is not about being rich or poor, it is about staying in line with your financial goals, everyone can benefit from it if the plan is proper.

It is too early to plan?
It is never too early to plan. The earlier you start, the sooner you reap benefits out of it. Imagine planting a Mango tree. More time you give it to grow, sweeter will be the mangoes.

I am done preparing a financial plan, now I don’t have to think of it again.
It is not a one-time deal; you should revise your plan from time to time so that you know that you are on the right track

Review of Existing Insurance and investment products