Suresh Sadagopan

Real estate is poised for many changes. If we continue to think that real estate is the only asset that is going to give great returns & want to put money there, caution is suggested. The unreal growth that we saw in the first decade of the 21st century, may probably never be repeated, due to the fundamental changes that are underway.

Philanthropy & compassion are important in life. Every religion talks about the virtues of giving & compassion. We need to make Philanthropy a part of our lives. And experience the warm glow in our hearts, which no amount of money can ever give. Don’t you want to experience such bliss? Why not give it a try?

We measure everything by the material possessions & trappings of wealth. We get hijacked by insidious comparisons with people of all hues. Material possessions are needed & useful till a point. But for many, worldly possessions acquire an urgency beyond just their usefulness. They are acquired to signal to the world that they have arrived, to achieve parity or be one up on their friends, relatives, colleagues etc.

The firms that have internalized the essence of good ESG parameters are anyway good businesses – as ESG is embraced first by those at the forefront. So ESG becomes a virtuous selection criterion, in that the ones that have good ESG scores are good companies with enlightened managements to start with. Such compliance also ensures that the compliance risks & regulatory risks become lower and lessens the business risk itself.

There are generally two approaches followed while investing, to meet goals. Some prefer to invest specifically & separately, for each goal, which we call the goal tagging approach. There is a psychological advantage to this approach.

An ongoing relationship ensures full knowledge and hence ensures high-quality advice, with least chances of errors. It also ensures quick advisory turnaround as an ongoing advisor is always accessible to the client.

There are multiple benefits arising out of seeking our counsel and being engaged with Ladder7 Financial Advisories. Being engaged with a conflict-free, fee-only client-centric adviser presents monetary & non-monetary benefits.

Distributor ( agent ) represents the Principal (not client) , has inherent conflict of interest and follows a lower suitability standard. Fee-only advisors represent their client, have no-conflict or lower conflict of interest and follow a Fiduciary standard.