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Valueraj Associates Private Limited

Personal Associates for your Personal Finances

Financial Planners in Bangalore

Best Financial Planners in Bangalore

CFP Certified Financial Planners in Bengaluru (Bangalore)

Valueraj Associates Private Limited is one of the best Financial Planners in Bengaluru (Bangalore). Choose the Top CFP certified financial planners in Bengaluru (Bangalore) to achieve your financial goals.

What is Financial Planning?

All of us, in one way or another, engage in planning related to money matters. It might be expense planning, tax planning, or retirement planning. While a layman might refer to this as Financial Planning, the reality is that Financial Planning involves much more. It can be defined as -“the process of meeting your financial goals through proper management of your money.” These financial goals could include buying a home, saving for your child’s education, planning a foreign vacation, or preparing for retirement etc.

Financial Planning is a systematic process, not a product. This process, standardized by the Financial Planning Standards Board (FPSB), involves the following steps: (a)Establishing a relationship with you (b) Collecting relevant data about your finances and goals (c) Analyzing the data (d) Developing the financial plan (e) Implementing the plan (f) Monitoring progress regularly.

The outcome of this process is a personalized Financial Plan document. This document provides a strategy tailored to your unique situation, helping you achieve your financial goals on time. It serves as a detailed roadmap for your future finances, offering you peace of mind when followed diligently. Your Financial Plan may include various sub-plans, such as an Investment Plan, Insurance Plan, Cash Flow Plan, Tax Plan, or Estate Plan. For expert guidance and support, consult the Best Financial Advisor and Planner in Bangalore. With the expertise of Certified Financial Planners in Bangalore, you can receive personalized advice to navigate your financial journey confidently. Partner with a Certified Financial Advisor and Planner in Bangalore to transform your financial goals into reality and ensure a secure financial future.

Why should you have a Financial Plan?

Financial Plan provides a vision to you on your future finances. A few but not all benefits are:

  • You will know exactly what is your current net worth and how your assets are spread over various asset classes i.e. debt, equity, real-estate, gold etc.

  • You will know how to utilize your current assets and investments to meet your future goals. If they are not enough, how much should you invest from now on. This in turn helps you avoid impulsive buying of investments in incorrect asset classes.

  • You will know what types of insurances you must have and how much should be the cover for each of them. This in turn helps you avoid compulsive buying of inappropriate insurance policies.

  • You will know what are the tax-saving instruments that are useful to you. This in turn helps you avoid ad-hoc buying of unnecessary instruments for saving taxes.

  • You will get an idea on how your income, expenses, surpluses and corpuses are going to happen in future.

  • You will be able to adapt more easily to any major changes in life as you feel more secure about meeting your financial goals.

What Financial Planning is not?

Here are few things that Financial Planning is not:

  • Financial planning is not a panacea to fix your fickle financial behavior.

  • Financial Planning is not about maximizing your finances. (It is about optimizing them!)

  • Financial Planning is not about achieving highest returns on your investment.

  • Financial Planning is not only for the rich. (It is for everybody!)

How can we help you?

We are Certified Financial Planners by qualification and Mutual Fund Distributors by profession. We provide ‘Financial Planning’ service to individuals and families. However, we provide this service only as incidental to distribution of Mutual Funds.

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