Financial Planning

Are you planning to invest your money for retirement? Do you need a financial advisor to help you with your children’s education plan? You cannot just choose the first financial advisory company that claims to help you get the best return on investment. An investment is a crucial decision for a person’s life. No matter at what age an individual may be, he or she needs proper financial planning to secure the future. Financial planning is not a “commodity” that you can buy over a retail counter. It requires a lot of understanding of a person’s short and long term goals, income, and assets to plan the finances better. You should talk to the consultants personally to get an idea about the strategies they can plan.

Financial Planning is one of the most important steps for any individual and we take an wholistic approach to address 10 keys steps:

Financial Planning

We all need to manage our finances in the best possible manner. Most of us do not have clear idea of what we want from life, and so we neglect proper financial planning during the early years of their lives. By developing a clear financial plan, you can easily achieve your goals and dreams. Financial planning advisors can help you make the right decisions to achieve both short and long term goals. The best experts will follow a holistic approach to help you plan the best strategies.

Goal Setting

You should spend a little time to set your financial goals before you choose to hire a financial advisor. If there is no discipline maintained, then short, medium, or long term goals cannot be achieved. Without a clear financial goal, proper investment cannot be done. The right goals can make a real difference in your personal lives.

Cash Flow Management

Cash flow is the king when it comes to financial management. Poor cash flow management can cause a lot of troubles for an individual. The inflow of cash arises from investment, and operations and finances make the spending of cash possible. Efficient cash flow management is a must for monitoring, analyzing, and optimizing the amount of cash that is available. You can manage a family’s or individual’s income and expenses to ensure that funds are managed in a proper way. One should think of savings and budget planning to maximize the use of cash flow.


Debt & Tax Management

It’s easier for people to avail the loans these days. Banks and other financial institutions provide loans to individuals and companies for various purposes. Every individual or business owner needs to do financial planning according to the standard rules set by the government in the country. One can get the tax benefit with the right investment and financial planning.

Risk Management and Insurance Planning

Life is very uncertain and every individual should consider risks and plan for the insurance to support the family in case of any mishaps. Individual risk coverage can help families live comfortably even in the case of accidents or death of the insurer. Plan ahead for any unfortunate event with the right risk management and insurance planning so that you can make your family members happy for years together.

Children and Grandchildren’s Goal

Children financial planning needs a different approach as they have different goals. A child may need security for finances for the education. Parents and grandparents can manage the finances of their children and grandchildren during the early years so that there is no hurdle for their education and lifestyle.

Investment Planning

Choosing the best assets and classes of finances is very important when it comes to financial planning. You need to know where to invest and what amount needs to be invested. A good financial advisor can suggest you the right suitable vehicles for investing your hard earned money. Whether you want to invest in mutual funds or stocks, we understand your requirements and expectations, and suggest the best plans for investment planning.


Retirement Planning

Most of us neglect retirement planning as we focus on our present. Retirement is the biggest concern for many people in India and other countries. That’s the age when you cannot get loan easily and wealth accumulation is the only asset one can use. Proper retirement planning can help you spend the old years of your life peacefully.

Lifestyle and Special Situation Planning

If you or your family member is getting married soon, there is a lot of savings to be spent. Even if you wish to go on a dream holiday, you may start planning for lifestyle investment. Some people panic when they lose their jobs and when they do not have money to start their own business, they become distressed. Special situation planning can help you save substantial amount of money and keep it aside to be used in case of emergencies also.

Legacy and Estate Planning

In India, 65% of the court cases are related to the distribution of wealth and property among the family members. You can distribute the assets and wealth among your heirs so that they do not have to fight with one another for distributing it.

Managing Behavioral Finance

One should manage your finances according to the earnings and spending. We help clients get custom solutions for financial planning to safeguard their lives.

Why Choose Carefree Retirement for Financial Management?

90% of Indians fail into the trap of buying the wrong financial products that cost them a lot of money. Instead of saving money, they lose their money. Choosing the wrong financial agent can be risky as he may be suggesting the plan that offers him a good amount of commission.

At Carefree Retirement, we believe in educating the customers rather than selling them investment plans. As each client is different, so are the financial needs. One investment plan may choose a person working with a bank, while the same plan may not be suitable for a businessman. Taking the right path can ensure your success to meet your goals. We advise the customers on the right financial plans that meet their exact requirements and objectives.

How We Work?

Once a client comes to us, we understand the individual’s or family’s financial advice, investments, expenses, and goals to offer the best investment strategy. The age at which you start the planning is also an important factor while determining your financial investments. We always focus on growth while suggesting any plan to the customer. Our team of expert advisors not only suggests all the options but explains why it is good for a particular case. We provide you with all the options based on your requirements and goals so that you can compare them and make the right decision.

What We Do?

We always advise the clients to start investing early as income grows, and makes a huge difference in your financial status. You’d be able to save more money if you start investing at 18 rather than waiting for the 30s. Increasing the savings result in greater financial goals and offer compounded growth. We offer unbiased and quality advisory services to our clients.

  • Comprehensive financial planning
  • Goal-based planning
  • Higher savings
  • Risk management

Based on the market risks and other kinds of risks, we plan the best possible financial plans for clients. We have consulted several clients across India and worldwide and helped them achieve their finances better so that they can retire peacefully without worrying about their finances. We believe in building long-term relationships with our clients and maintain complete transparency with them. Get in touch with us to know how we can help you achieve your financial goals. Our team of experts would be glad to assist you with the best solutions.