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Financial Planning & Advisories is meant for anyone who wants to sort out the financial portion of their lives. There is a flawed thinking that financial planning & wealth management advice is required only by the rich. The rich require it no doubt; but the less well endowed, need it even more, as the margin of error is low in their case, in view of their limited finances.
The next argument is regarding the fee. If one pays a fee for advice, it is that much money less for investments. Investments made without proper advice can be toxic and detrimental to one’s long-term interest. In fact, one may actually be throwing good money after bad investments – eventually ruining one’s prospects of achieving goals. Also, there are a lot of those who will offer “Free advice”. Free advice is actually very costly as such people suggest what gives them the most commissions. In effect, one may be paying much more in such a scenario, indirectly.
We are fee-only financial advisors with fiduciary duty and suggest what is good for our clients. As fiduciary advisors, we put our client’s interest ahead of everything else, including our own. We are SEBI Registered Investment Advisers ( RIAs ). That should give a lot of comfort, we reckon!
Who should seek us out?
- Salaried people & professionals, across the age spectrum, would find us the best fit.
- Those who want dispassionate & unbiased financial advice regarding various aspects of their finances from experienced advisors with proven expertise would find us to be a good fit. You are assured of honesty, integrity & ethical conduct, in all dealings. Having a true, fee-only financial planner, who is only interested in your welfare would be an elevating experience.
- Those who are really serious about sorting out their finances and achieving their goals.
- Those who want proper control over their goals and would want to ensure that they are achieved in a planned manner, instead of leaving it to chance. This results in clarity & peace of mind.
- Those who want to get the big picture right. We do a 360-degree analysis & then offer advice, taking into account all factors.
Also, they will find that we will bring in efficiencies in money management, Investments, Tax planning, Insurance & Protection, tax & estate planning and others. Also, we would ensure that our clients don’t make the typical mistakes people make, in connection with finances.
What you do get when you engage us?
- You get a blueprint to go by – a comprehensive look at one’s situation & finances and a pathway on which to proceed for financial well-being.
- After the plan, we can completely take charge, with our Perpetual Engagement Model. We offer client engagement sessions, Plan review, Portfolio reviews, Financial consultations as well as Implementation support & Reporting, for those who want, through our Implementation partners.
- Due to this, we would be your personal CFO who would take charge of the financial portion of your life. That gives you enough time to pursue & enjoy your personal & professional life and achieve your full potential there. All these results in happiness & peace of mind.
We are your personal CFOs to assist in comprehensively & responsibly managing your finances, so that you may enjoy your life!
The Ethics & Integrity benefit
The most important benefit you get when you deal with Ladder7 is that, we are fee-only financial advisors. As mentioned earlier, we are SEBI Registered Investment Advisers ( RIAs ) and comply to much higher standards required of RIAs. We represent our clients only – You! This is diametrically opposite to distributors/ agents who represent their principals.
We are Fiduciaries, who are advisors that act in your best interests, always. We do not receive any commission from any product that we are recommending, ensuring conflict-free advice. If there are any potential conflicts of interests, we would disclose them to you. Hence, our dealings are honest, ethical & we act with integrity – which we reckon, would be very important to you!
Why True Advice Is Invaluable to You
It’s very difficult to find true, client-centric advice in the personal finance area. Mostly, the “advice” one gets is from an agent, which for the most part is self-serving in nature. Even otherwise, the “advice” is steeped in conflict of interest, as they want you to buy their products based on their “advice”. Also, agents tend to have limited knowledge beyond their domain area ( say Mutual Funds ). Their knowledge/ expertise across asset classes, advisory capabilities, education, experience in the advisory area can at best be called evolving.
It is to remedy this SEBI has come up with a new class of fee-only advisers. This is a new area and we are a front-runner here. With us, you access expert advice from advisors who have the knowledge, experience, expertise & are conflict-free.
How Big Is the Benefit ?
Stop making mistakes
When you come to Ladder7, obvious mistakes are avoided. Conflict-ridden advice would mean choosing products that may not even suit you & are costly and hence depresses your returns. Think about it. Getting into wrong insurance products, for instance, can bog you down for decades.
Sometimes, a client has been sold a completely wrong product by his agent, as a solution.
As experienced Financial Planners/ wealth advisors, we can pick out good investments for you, help you to avoid obvious mistakes and costly errors, which happen all too often, in the financial services space. We see that when clients come to us with their portfolio. Some of our clients have lost lakhs of rupees by opting for patently unsuited products, which deliver low returns & which are not even a good fit to achieve their goals. When you come to a good advisor such mistakes are automatically avoided.
Better Solutions
Apart from avoiding blunders, expert advisors/ planners would be able to optimize the choices to clients based on best fit, taxation, liquidity needs, tenure needs, returns & risk inherent among others. We are conscious of the costs various products impose and will help you choose the right ones with low charges. Also, among products, we will put together a bouquet that is specifically relevant to you. We assist with reallocating the existing resources properly which unlocks huge value, in monetary terms. Many times, this itself is much, much more than the fee we charge.
Clarity, security & peace of mind
When you are in professional hands, you get back the control of your finances and life. You will have clarity about meeting your goals and your future. You will enjoy peace of mind which can come only when you are in trusted hands. You will feel secure that your investments are properly optimized and the family security has been ensured through appropriate safeguards. You know now that you can enjoy life without worrying about the future.
[ You could also go through the benefits you will get from ongoing engagement with us ]
With us, you get conflict-free advice & actually save/ make a lot of money. You will have full clarity & enjoy peace of mind.