Wealth Management

In the present scenario, investors seek for higher Returns. There are many avenues available in the market to invest, however to choose a right investment is an uphill task that requires great professionalism and continuous monitoring of investments, in view of the complex nature of the capital market. Wealth management is an unmatched package of products and services that provides personalized financial planning, the luxury of investment services and a host of exclusive privileges of building wealth and securing future.

This is an endeavour to give our customers an “End to End” solution for all their financial needs under one roof. Under the Wealth Management services, we shall give expert advice on the following areas:

1. Mutual fund investment
2. Debt Market instruments
3. Insurance services
4. Tax/Retirement planning
5. Direct Equity

Financial Planning

Financial Planning is an exercise aimed at meeting all the financial needs of an individual, translating those needs into monetarily measurable goals and planning the financial investments in a way that will help the individual in meeting all the future goals on time.

Technically, Financial Planning is identifying and defining goals, prioritizing them and achieving these goals with a clear, focused and a customized game plan.

It is a simple process of detailing the goals and objectives one has in life and matching them with present assets and income, after factoring the expenses and liabilities that need to be paid. Also factored in are taxation and inflation. The whole exercise is an ongoing and continuous process that looks at all aspects of your finance and makes decisions and adjustments that are appropriate to the changes in life - whether internal, such as changes in income, addition to family etc or external, such as changes in interest rates, market conditions, government regulations, new investments products etc.

Financial Planning is a comprehensive exercise which includes investment management, cash flow planning, taxation planning, insurance and risk management, retirement planning and estate planning, where the focus is long term.

We need “finance” at different stages of our life and perhaps one realises how important money is when one doesn’t have it at the time when it’s needed the most! Financial Planning ensures that one has the money at the time when it’s required.

For all your Financial Planning needs we have partnered with,

Risk Management

Risk Management is the name given to a logical and systematic method of identifying, analysing, treating and monitoring the risks involved in any activity or process.

In Life, since not all actions happen as planned, Risk Management is the process of managing the risk of the unplanned events. We are engaged in Wealth Management where the essence is on growing one's wealth. In an unforeseen situation where the absence of the bread winner can put a tremendous strain on the surviving members, Risk Management looks objectively at these situations to address optimum solutions that seek to reduce the risk.

Tax planning:

Tax planning is an essential part of financial planning. Efficient tax planning enables you to reduce your tax liability to the minimum. This is done by legitimately taking advantage of all tax exemptions, deductions rebates and allowances while ensuring that your investments are in line with your long term goals. Careful planning throughout the year can assist you in reducing the taxes you pay as well as help you achieve your financial goals.

Tax planning should not be done in isolation, but instead should be driven by your overall financial goals and integrated with your total financial plan. By developing and implementing appropriate strategies to lessen or shift current and future tax liabilities, you can improve your prospects of meeting long- and short-term objectives. For example, accurately projecting your income taxes can help you determine the cash flow available to you in the coming year.

Keep in mind that tax laws are often complex and frequently change. As a consequence, you should consult your advisor before making investment and tax decisions.

Retirement Planning:

Retirement is one of the most important life events many of us will ever experience. From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. Even once it is reached; managing your retirement is an on-going responsibility that carries well into one's golden years.

While all of us would like to retire comfortably, the complexity and time required in building a successful retirement plan can make the whole process seem nothing short of daunting. However, it can often be done with fewer headaches (and financial pain) than you might think - all it takes is a little homework, an attainable savings and investment plan, and a long-term commitment.

At Cerebral Advisors we will help you plan your retirement whether you are early in your career, actively contemplating retirement or already retired, we can help ensure you have the resources you need for the retirement lifestyle you want.

Cerebral Advisors offers a comprehensive range of retirement planning services, savings options, and a dedicated and knowledgeable staff to help with planning your retirement.