Milestone Financial Consultants

When wealth grows, so does the complexity of its management. Whether you’re building on your existing wealth, protecting your family’s financial security, or thinking about your legacy to the next generation, Milestone Financial Consultants offers a complete array of wealth management services, products and solutions to meet your needs.

Our Approach

wealth management approach

Understanding your situation
Since every client situation is unique, we begin by learning about you, your family and your financial complexities. We will look at all aspects of your current financial situation existing assets and resources, your risk tolerance, return objectives, goals, liquidity needs, time horizon and other factors. What we learn from you will form the foundation for our future analysis and recommendations.

Strategic asset allocation
We develop a customized asset allocation mix that considers risk, opportunities and taxation. This asset allocation becomes the basis for a long-term strategy formalized in your investment policy.

Tactical asset allocation
We keep constant tabs on the markets in order to take advantage of short-term and medium-term opportunities, giving due consideration to taxation and costs involved.

Portfolio construction
Once we clearly understand your financial objectives and establish your risk/return profile, we develop a customized Investment Each component (mutual funds, stocks, bonds, ETF's, Commodities) is comprehensively researched and evaluated for fit in your portfolio.

Portfolio implementation
After we thoroughly review your plan with you we will ask for your approval to implement the investment strategies recommended. Specific investment decisions on a product level are deployed.

Portfolio monitoring & review
We regularly analyze and review your portfolio and situation to ensure your financial objectives are being met in light of your changing needs.

Our investment advisory services have been designed for those clients who like to be actively involved in daily decision making.

We provide investment ideas, advice and guidance but the client retains ultimate investment control.

We aim to build strong partnerships with our advisory clients, based on active engagement and regular communication.

Clients work with us to select from wide range of investment options covering the entire asset spectrum—including cash, fixed income, equities and commodities.

We use advanced quantitative and qualitative fund selection tools so we can bring you the funds or combination of funds that will best meet your investment objectives and deliver long-term performance.

retirement planning Having sufficient income in retirement should be a major financial priority, yet many of us put off making adequate provision for retirement until it is almost too late.

If you fail to make appropriate financial plans – both in preparation and when you come to retire – the retirement years may not prove as relaxing and stress-free as you'd hope.



Our financial planning services can help you answer important questions such as:

• Are you saving enough for your retirement?
• Can you retire when you want?
• Are you saving in correct financial products during Pre & Post retirement?
• How can you maximize your retirement income to live your desired retirement lifestyle?


We can provide you advisory services in the following two situations:

Post Retirement Period
You’re already retired and looking for advice and solutions to help you maximize your retirement income, make tax efficient investments, ensure your savings last, and provide a legacy to your family.

Pre Retirement Period
You’re in your pre-retirement years and looking to create a retirement fund, protect your retirement savings, and prepare for the next stage of your life.

Life is unpredictable. Your family is important to you, as you are to them. As the head of the family, everyone wants a secured life for their family members. What back up plans do you have in the event of your death and your family can no longer depend on your income for living expenses? Even if you have protection against such a scenario, is it adequate? Life insurance helps you protect yourself and your family against an uncertain future. It is not mandatory - but can you afford to NOT have it?

Your insurance needs are dependent on your responsibilities and financial commitments. And these are defined by your life stage and your needs. For eg. If you have just begun a family, you need a policy that would provide for your child's needs for higher education, or marriage or a business venture.

We will help in evaluating your current insurance cover and recommending the correct insurance cover for you. We assist in: -

• Determining amount and type of insurance required
• Choice of insurance company for the plan chosen
• Execution of the decision

The goal of tax planning is to arrange your financial affairs so as to minimize your taxes. Saving money in taxes is high priority in Financial planning exercise. There are legally permissible ways to reduce taxes and retain more of your hard-earned money in your savings kitty. There are various tax deductions available under the present Income tax act and you should take advantage of them.

We structure right mix of investments for your portfolio so that you pay less tax while ensuring optimal returns.

We will assess your risk appetite and risk taking ability and recommend an asset allocation plan through a structured approach. We help you choose products from wide variety of investment products, including stocks, bonds, mutual fund schemes & alternative investments and execute the plan.

We monitor the performance and progress of portfolio on continuous basis and provide regular update of the portfolio to the investor

We will assist you in:

• Obtaining Permanent Account Number (PAN) from the Income tax Department
• Obtaining KYC compliance for Investments in Mutual Funds
• Setting up NRE account
• Setting up Portfolio Investment Scheme (PIS) account for Investments in shares
• Setting up power-of-attorney, providing your local representative limited powers to act on your behalf.

Every individual and family has unique dynamics, goals and levels for risk. By gaining an in-depth understanding of your specific needs and objectives, we will:

• • Identify your investment considerations and goals.
• • Create an investment strategy to guide asset allocation and portfolio management decisions .
  

Our Financial Planning Service can help you plan your finances for

• • Wealth Creation
• • Child’s Education
• • Child’s Marriage
• • Retirement
• • Building House
• • Vacation