Life Goals Planning

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Overview

1) Retirement Planning
The Challenge
With increasing lifespans and rising healthcare costs, your retirement could last 25-30 years. The question isn't IF you can retire—it's whether you can maintain your lifestyle without depending on children or compromising on medical care.
Our Solution
We calculate your exact retirement corpus requirement based on current lifestyle, expected inflation, healthcare needs, and legacy goals. Then we create a systematic accumulation and decumulation strategy.
Key Components
• Retirement corpus calculation (considering inflation at 6-7%)
• Pension and annuity planning
• NPS optimization (additional tax benefits under 80CCD)
• Systematic Withdrawal Plans (SWP) structuring
• Healthcare corpus allocation
• Bucket strategy for retirement income
Ideal For
Anyone 35+ who wants to retire with dignity and financial independence.

2) Child Education Planning
The Challenge
Education costs in India are rising at 10-12% annually. An engineering degree that costs ₹10 lakhs today could cost ₹40 lakhs when your 5-year-old is ready for college. Foreign education? Multiply that by 5-10x.
Our Solution
We project the exact cost of your child's education at the target age, accounting for inflation and course type. Then we design a dedicated investment portfolio with milestone-based reviews.
Key Components
• Education cost projection (Indian/International)
• Dedicated child education portfolio
• Child ULIP/Insurance plans
• Education loan planning (if needed)
Ideal For
Parents with children aged 0-15 who want to secure their children's educational future.

3) Vacation Planning
The Challenge
Vacations shouldn't come with guilt or credit card bills that haunt you for months. But without planning, either you skip vacations or overspend and regret later.
Our Solution
We integrate vacation goals into your financial plan—creating dedicated vacation funds that grow while you work, so your next trip is already paid for before you book.
Key Components
• Annual vacation budget planning
• Dedicated vacation SIP
• Travel rewards optimization
• Foreign exchange planning
• Travel insurance coverage
• Milestone vacation planning (anniversaries, retirements)
Ideal For
Families who value experiences and want to travel without financial guilt.

4) Goal-Based Planning
The Challenge
Random investing without specific goals leads to inadequate corpus when you actually need the money. Dreams don't have price tags—until you try to fund them.
Our Solution
We attach every investment to a specific life goal with a defined timeline. Each goal gets its own portfolio designed for its unique time horizon and risk requirement.
Key Components
• Goal identification and prioritization
• Goal-wise corpus calculation
• Time-horizon based asset allocation
• Progress tracking and milestones
• Goal rebalancing as circumstances change
• Multiple goal juggling strategy
Ideal For
Anyone with multiple financial goals competing for limited resources.

Key Benifits

We believe that financial goals are more than a number to our clients. It may represent a new home, a small business, a comfortable retirement or a college education. To help our clients go from dreaming to doing, we have our core beliefs that are central to their investing success. We’re here to help with any questions you have on your path to find financial security.

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Stats & Charts

Building wealth is a goal that many people aspire to, but it can often seem like an overwhelming task. It takes time, effort, and discipline to be successful with this goal, so don’t be lured by get rich quick schemes and too good to be true opportunities that can send you down a dangerous path.

Our specialist team of consultants understands the importance of maintaining a long lasting business relationships with clients to deliver specific investment solutions for a long term success and empower their business growth.

Helping people make smart financial decisions is the most difficult mission. We are committed to publishing only accurate and actionable advice, personalized tools to help people navigate life’s big personal finance decisions.

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