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Ladder7 Financial Advisories - Consultants of financial planning service, life planning service & estate planning service in Navi Mumbai, Maharashtra.

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Consultants

Financial Planning Service
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Money is important – that much we all realise. We work 35-40 years of our lives to earn money. We want to ensure that our goals are met and our family is well taken care of. We plan for everything in life – from birthdays, anniversaries to picnics

Yet, most people leave the most important thing of all – money – to chance. We seldom think much about it. Ask yourself – do you have the time, inclination, knowledge or skills required to manage your money, efficiently? If it is a No, you may also not have a cogent vision of what needs to be done for securing your future.

Money lies around in the bank account as we don’t have time to look at it, evaluate options and deploy them properly. Finance is not an interesting subject & a whole lot of us detest it. Hence, investing money becomes a low priority subject. People invest based on what a friend has done, what they have read in the papers or based on the “advice” given by their agent ! This results in haphazard investments without understanding what actually needs to be done or whether one is moving towards the goal. In a lot of cases, there is complete chaos in one’s finances due to a blizzard of investments without any pattern.

This poses uncertainties with regard to goal achievement and a distinct sense of unease, about the future.

The problem today is that people do not know whom to turn to for conflict-free, unbiased advice. Agents & distributors represent their Principals and do their bidding. Their commissions come from the companies they represent and their loyalties would lie with them. Also, these people are sales people and their knowledge base would be rather limited. They would not be able to offer holistic advice, even if they wanted to. This is the typical problem most people face.

But, there is a new class of Advisors who can offer unbiased, conflict-free advice. We are such advisors. We are fee-only advisors & represent only our clients. We are consultants to you in the area of personal finance – not product sellers. We do not receive commissions & have no vested interest in recommending any products to you. We are SEBI Registered Investment Advisers ( RIA ) & are Fiduciaries. We have your best interests at heart.

We are also qualified to offer proper advice. We have the education, experience and the certifications ( CFP ) to advice you correctly. We are hence trusted advisors to our client.

Earning well is not enough. You need the right advisors who will work in your best interests & help you reach your goals. After all, you are spending so much time & effort to earn it. You deserve it !

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Life Planning Service
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Life Planning Service

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We all have goals in life that we want to achieve. Most of these goals are predictable – like Children’s education, a home, vacations, comfortable retirement etc. We spend our waking hours, working for a living. We are justifiably proud when we are able to provide the creature comforts to our family. Our goals keep moving up, up & away. The shifting goalposts of life ensures that we are constantly on the treadmill of working some more to earn more. But, is there all there is to life?

We do get these questions in our mind, once in a while. While we cannot brush aside the material aspects of life, these activities do not bring in the satisfaction, happiness, fulfillment & self-actualization. We need those things which may make our life worth living. Lots of times, these things do not require a lot of money. An example would be learning a new musical instrument or starting on Yoga. It could be philanthropic activities which could bring in the joy of giving.

In life planning we seek to understand what is important to the client & how the true heart’s core things can be integrated while doing financial planning. In life planning, we would seek to put our client in touch with what they truly desire in life and help them get in touch with what would bring in happiness & meaning in their lives. Once that is uncovered, these can be incorporated into the financial plan so that the resulting plan is both financially fulfilling & help the client achieve deep fulfillment which makes life worth living.

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Estate Planning Service
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Estate Planning Service

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A Financial plan is prepared so that the important goals & objectives of the family are achieved in a premeditated manner, through skillful & appropriate use of resources.  In financial planning, the available resources over time is allocated to meet the goals, in the time frames needed.  

We do plan for retirement as well and ensure that the retirement phase is well funded & one is able to live comfortably, have enough to spend on travel or other goals, is able to allocate and gift money for their children and grandchildren & pursue any philanthropic goals they may have.

While the financial plan takes care of the family’s requirements during the lifetime of the person & spouse making the plan, complications can creep in when one of them passes away.  In such a situation, the wealth gets passed on as per the laws applicable.  The way the wealth gets passed on may be different from the wishes of the person whose wealth will get distributed. For instance, if the husband is no more, his intention may be that the entire estate goes to his spouse and after her lifetime to the children. Whereas, if Hindu Succession act applies to them, it would be passed on to his mother, wife & children in equal proportion. This was not intended by him, but will nevertheless happen.

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Financial Advisories Service
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Individuals Planing Service
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