Fundamental Planning
Fundamental Planning can help you take stock of your current situation and thus take control of your financial life. With this service we will help you answer the following questions and more;
- What’s my net worth?
- Are Financial Ratio’s Healthy?
- How will Inflation affect my Financial Plan?
- What is my asset allocation?
- What is my risk profile?
- Are are my savings being channelized efficiently?
- How much money should I have for contingency purposes?
Insurance Planning
Accidents never invite themselves & come, they for most part are uncertain but devastation they cause is certain. Accidents can be in the form of loosing a loved one or property. In every event they definitely leave behind someone to reap the sorrow & start a new beginning. Sykes & Ray Financial Planers helps you to cover yourself and your assets adequately and also ensure avoide over-insuring and under-insuring. We help you find answers to following questions and more;
- In case something happens to me, how much of Insurance is needed to take care of family expenses?
- How much of Health Insurance Cover I need to protect my family and myself?
- What is personal accident policy and critical illness policy and what benefit does it provide?
- Do I need to have Householders insurance policy?
- I have a few insurance policies. Am I under insured or over insured?
- I am planning to go abroad for vacation. Do I need any additional insurance?
- Have I bought insurance because of a sales call or because I needed it?
- Do I have adequate liquid cash at my disposal to meet an emergency?
Retirement Planning
As time passes our Golden Years slowly but steadily draw near every person suddenly finds himself asking whether his bank balance will help in suffice through the Years. Sykes & Ray Financial Planners leads the way in offering innovative and diverse retirement planning strategies and services that can help you meet a broad range of your life goals… and fulfill a spectrum of hopes and dreams. We help you answer the following questions and more;
- I am young, why do I need to have Retirement Planning?
- What will be the future cost of my annual expenses?
- Will inflation affect my Retirement Planning needs?
- How long do I have to invest for my Retirement Planning Needs?
- For how many years will I need to have a Corpus to sustain me after my retirement?
Tax Planning
Tax Planning includes planning of income, expenses and investments in a tax efficient manner to gain maximum benefit of prevailing tax laws. The modifications of tax laws over time have opened up numerous avenues for planning your savings as per your needs. Sykes & Ray Financial Planners helps you carefully assess the various options and help you answer the following questions and more;
- Am I making optimum use of my 80C and 80D tax benefits?
- What are the changes in tax laws that may affect my taxes, investments and savings.
- What is the effect of Long-term capital gains and short-term capital gains on my investments?
- Do I know the various tax havens and tax-shelter schemes applicable to me?
- Just the year-end Tax Saving or Strategic Tax Planning. What is more beneficial?
- Which is more beneficial for me - ELSS or PPF or both?
Investment Planning
The Financial Services Industry is changing faster than ever. With the overflow of financial products flooding the markets, investing is not that straightforward anymore, especially in volatile markets. Your success as an investor depends upon your ability to choose the right investment options and have a disciplined approach. We help you answer the following questions;
- What is my risk profile?
- Are all my financial assets mapped to my financial goals?
- What should be my Asset Allocation?
- What should be the time duration of my investments?
- Why do I need to diversify my portfolio?
- What is my investment objective – income or growth?
- Does my current exposure to equity match my risk appetite?
- Is my current portfolio being driven on fundamentals or sentiments?
Estate Planning
Estate Planning is all about protecting and transferring your wealth to your next generation. It is done with the help of wills, trusts and other strategies. Sykes & Ray Financial Planners helps you answer the following questions;
- Do I need a Will?
- How do I create a trust?
- Who is an Executor? What does he do?
- Who should be the beneficiary of my Will?
- How do I make a Will?
- How will I ensure that my estate planning is tax efficient?
