What Actually Works For You..

Arvind Rao, our founder has spent the last decade advising and helping 100+ families with their personal finances. During his interactions with these families, Arvind found out that every family’s innate desire is to build their financial security, even though they may call it by different names like being rich, wealthy, securing financial freedom, independence, etc.

After spending a lot of time with these families Arvind discovered that, more than financial knowledge or market-timing, it is an individual’s money habits that leads one to the path of financial security. The result of this decade-long experience is our 100% need-based and solution-oriented consulting for every issue related to your personal finances.

Harish was very happy in February when he switched his job but got worried in July when he had to pay extra income tax before filing his return last year.

Know the 7 Habits

Budgeting

Budgeting is the foundation of your financial security and includes making allocations of your income towards expenses and savings, managing liabilities and planning for a linear growth of your assets and investments.

Income tax

Tax-planning, Tax-compliances and Tax-records management are the three pillars of personal income tax. Your financial security can be maximized only by giving equal importance to all these three elements.

Succession

Managing and securing your assets during your life-time is crucial for your financial security; while managing beyond your life-time is crucial for your family’s financial security.

Assurance

Banking and online shopping on the go is bliss, but ignorance of adequate safeguards for your digital assets is definitely not bliss. Management of financial documents needs to be up-to-date to maximize your and your family’s financial security.

Liabilities

Liabilities impact your financial security in two ways – regular repayment of liabilities reduces the money available at hand and outstanding liabilities reduces the net value of your assets and investments.

Risk Management

Loss of life is a big risk, but that’s not the only risk to your financial security. Identification and mitigation of various risks (whether by insurance or otherwise) is very important for maximization of your financial security.

Investment tracking and review

Investing money is an important first step but without continuous monitoring and review, even the best of investments may fail. Striking the right balance in diversification is the key to managing your investments and financial security.