Financial Planning

Financial Planning Services from Wealth Café is the Complete Financial Plan which is nothing but SIP with a M.


Each of these components have their unique role to play in ensuring a wholesome management of your Personal Finances. And given how interlinked they are, you need and expert to hand hold you in your journey in wealth creation.

Cash Flow Management: Cash Flow Management refers to maintaining and enhancing personal cash flows through debt and lifestyle management. This is a very important aspect of the Financial Plan, ignored by most Planners. As a part of the plan, it is very important to chalk out a strategy to help the client to effectively manage his inflows and outflows. This helps the client inculcate financial discipline which will go a long way in successful implementation of the plan.

Investment Planning: Investment planning focuses on identifying effective investment strategies according to an investor’s risk appetite and financial goals. Investment planning begins after you have taken into account your current and expected income level and have laid down your financial goals. The goals can be capital growth or income growth. Every investment option represents a unique risk-return trade-off. Investment planning takes into account an investor’s risk appetite, which depends on his current income level, savings, lifestyle and responsibilities.

Retirement Planning: Retirement planning refers to the allocation of finances for retirement. The goal of retirement planning is to achieve financial independence (steady portfolio income), so that the need to be gainfully employed is at the option of the individual rather than out of necessity. The process of retirement planning aims to assess readiness-to-retire given a desired retirement age and lifestyle, i.e. do you have sufficient money to retire; and to identify actions to improve the readiness-to-retire.

Risk Management and Insurance Planning: Risk Management and Insurance Planning refer to managing cash flow risks through sound risk management and insurance techniques. Insurance is taken to protect the ones dependent on you in case of any adverse event. How much insurance an individual requires is a function of the individuals’ outstanding liabilities, lifestyle, number of dependents and the net worth of the individual. Under insurance is a huge risk and negates the impact of insurance already taken. Unfortunately, in India insurance is predominantly used as a tool to save taxes rather than to manage risks.

Tax Planning: Tax Planning is the planning for the reduction of tax liabilities within the frame of tax laws. This is one aspect where an individual can see immediate savings in the tax outflow. And most often than not, January is the month when people get into action and choose instruments without properly evaluating them. Having a Financial Plan will enable one to achieve the dual object of efficient investments plus tax saving.

Estate Planning: In simple terms it is planning for the creation, accumulation, conservation and distribution of assets. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Guardians are often designated for minor children and beneficiaries in incapacity. We help you with practical ways of estate planning depending on the needs of each individual.

Periodic Reviews: It doesn’t end with the Plan as every Plan requires Periodic Reviews, resulting from any changes in the circumstances of the Client or market related changes. Periodic Reviews come with all round the year consultations, where in you can seek advice all round the year on any matters related to investments, insurance , taxes, surplus investments, etc. with your Financial Advisor.

While this may seem a lot, at Wealth Café, we simplify the entire process to a completely practical relatable process. From collating all your details to helping you define your goals and allocating your investments to your goals, you are going to be surprised and end be very happy that you got yourself a financial plan.