Wealth &
Tax Optimization

Our Services

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Speak to one of our financial advisers over the phone or just submit all your details and we’ll be in touch shortly!
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Overview

1) Wealth Creation Planning
The Challenge
Growing wealth requires more than just saving. It needs strategic asset allocation, disciplined investing, and regular rebalancing—all while managing risk appropriate to your life stage.
Our Solution
We design a personalized wealth creation strategy based on your risk appetite, time horizon, and goals. Regular reviews ensure your portfolio stays aligned with changing markets and life circumstances.
Key Components
• Risk profiling and asset allocation
• Goal-based investment mapping
• Equity-debt rebalancing strategy
• Market timing and rupee cost averaging
• Alternative investment integration
• Annual portfolio review and rebalancing
Ideal For
Anyone looking to grow wealth systematically over 5+ year horizons.

2) Tax Planning
The Challenge
Most Indians overpay taxes due to poor planning, last-minute investments, and not utilizing all available deductions. Smart tax planning can save lakhs annually—legally.
Our Solution
We conduct a comprehensive tax review at the start of each financial year, identifying all applicable deductions and structuring investments for maximum tax efficiency.
Key Components
• Section 80C optimization (ELSS, PPF, NPS)
• Section 80D utilization (Health insurance premiums)
• House property deductions (HRA, interest, principal)
• Capital gains planning (STCG/LTCG harvesting)
• Business deduction strategy
• New vs Old regime analysis
Ideal For
Salaried professionals in 20%+ tax brackets and business owners seeking optimization.

3) Debt Reduction Planning
The Challenge
High-interest debt (credit cards, personal loans) can erode wealth faster than investments can build it. Poor debt management leads to financial stress and reduced saving capacity.
Our Solution
We analyze all your liabilities, prioritize repayment based on interest rates and tax implications, and create a debt freedom timeline that doesn't compromise other goals.
Key Components
• Complete debt inventory and analysis
• Refinancing and consolidation recommendations
• EMI optimization
• Debt-to-investment balance
Ideal For
Anyone with multiple loans, high credit card balances, or feeling overwhelmed by EMIs.

4) Comprehensive Financial Planning
The Challenge
Life isn't compartmentalized—your insurance needs affect your investment capacity, your tax planning impacts your wealth creation, and your goals compete for limited resources. Piecemeal planning doesn't work.
Our Solution
We offer comprehensive financial planning that integrates all aspects of your financial life into one cohesive strategy, with annual reviews and life-stage adjustments.
Key Components
• Complete financial health assessment
• Net worth tracking
• Cash flow optimization
• Integrated goal prioritization
• All 14 planning areas consolidated
• Annual review and plan updates
• Life event triggered re-planning
Ideal For
Anyone who wants a single, trusted advisor to manage their complete financial life.
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.
What type of clients do you work with?
Will you work with my accountant and lawyer?
The internet of things move from concept to reality, all business executives worry about change, but all the tech companies must cognizant of the forces driving change.
Is there a fee for an initial meeting with you?
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.
We build trust and maintaining a long lasting relations!

Our specialist team understands the importance of a long lasting relationships with clients to deliver specific investment solutions.

Long Term Relationships
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Trust and Confidentiality
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Comprehensive Understanding
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Integrity and Expertise
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Client Centricity
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As artificial intelligence and the internet of things move from concept to reality, all business executives worry about change, but tech companies must cognizant of the forces driving change.
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As artificial intelligence and the internet of things move from concept to reality, all business executives worry about change, but tech companies must cognizant of the forces driving change.
Helping in make smart financial decisions.

No matter how big you are and in what industries you do business, we can help you work smarter, provide support and help you achieve all your business goals.

Acknowledge client’s needs
Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals including taxes, savings and more.
01
Provide a long term perspective
Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals including taxes, savings and more.
02
Discuss opportunities
Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals including taxes, savings and more.
03

Speak to one of our advisers over the phone or submit your details and we’ll be in touch!

Our specialist team understands the importance of a long lasting relationships with clients to deliver specific investment solutions for a long term success
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Consulting services tailored to your needs
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    Our specialist team understands the importance of maintaining a lasting relationships with clients to deliver specific investment solutions.
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    Contact Info

    WealthUp@cmsheroes.com 02 01061245741