India's leading Financial Planning & Wealth Management company.

This is our flagship service.

This a lifelong service for you and your family. This is a comprehensive approach to achieve all your financial goals. It quantifies goals and evinces how much one needs to save / invest to accomplish financial goals. Comprehensive Financial Planning gives you peace of mind and a solid sense of financial security.

Plan uses scientific and pragmatic approach to achieve your lifetime financial objectives and uses concept and tools such as dynamic needs fulfilment, cashflow analysis, budgeting and gap analysis, hedging income and other liabilities, pensions management, wealth creation, personal risk management and investments. As needed we will also steer in the area of inheritance and succession planning.

Financial planning is a holistic process of accomplishing your financial objectives. It is a blueprint which lays down a roadmap for all your financial goals.

• A customized lifetime Personal Financial Strategy prepared for you with the robustness to manage crests & troughs of life
• To find out, what you have built so far is ENOUGH or not
• Dynamic Management of all your life needs & goals from time to time
• Managing changes in needs as and when they happen
• How much more will you need? And understand how to tackle that?
• Your strategy reviewed each year to accommodate changes in lifestyle & circumstances
  • Understand how we can help you generate MUCH MORE then what you can on your own without making you take any unnecessary RISK
  • Be fully prepared for financial events that WILL happen in future & have fund provisions available as & when you need them
  • Achieve complete control of your finances, generate optimum returns and gift yourself true Financial Freedom!!

Financial planning is a comprehensive approach to achieve all your financial goals. It quantifies goals and evinces how much one needs to save / invest to accomplish financial goals. With financial planning an individual can improve cash flow and manage debt tactfully. Financial planning gives you peace of mind and financial security.

We suggest that each person should have a Personal Financial Strategy. The objective of this service is to create a roadmap for achievement of all financial goals of your life without having to worry about anything and without compromising on any expenses during your life.

Financial planning is akin to health check up. We all need to undertake health checks ups regularly to abstain from maladies. Similarly, financial planning is necessary to assess your current financial health and take apt steps to mend your financial health.

The salient features of retirement planning are as follows;

Retirement Planning

Experienced Professionals create a customised Retirement Strategy for you. Find out, if you have ENOUGH pension provision?

Obtain an increasing pension income, so as to manage inflation. How much more will you need to maintain a similar standard of living?

Your strategy is reviewed & monitored continuously to accommodate retirement aspects such as;

• Liquidity
• Accumulation of wealth at faster rate
• Legislative changes
• Longer life expectancy, for self & spouse
• Wills & Codicils
• Succession Planning
• Estate Planning & Taxation
• Health care requirements
• Managing wealth erosion

Managing a regular & stable & INCREASING monthly income in an uncertain financial environment
Management of Savings, Investment and impact of taxation.

You need to follow 3 basic steps;

1. Identify your goal/need
2. The amount you will need today to fulfil that goal/need and
3. Estimate the time i.e. after how many months/years is this goal/need going to materialise

Once you do this it provides ample clarity to both you and your wealth manager, on the strategy to be adopted for achieving this objective.The Wealth Manager will then assess how much you need to save on a regular basis (one time basis if you have exiting funds) to ensue that you have funds as required and when required.
Broadly, goal based or need based investing is a methodology to work towards achieving a financial objective be it short/medium or long term. It is a method of exactly matching what you need to save today to achieve a return tomorrow. You may then have multiple goals/needs hence a Wealth Managers work is then to plan your cashflows in a manner by which over a period of time you are able to achieve all your financial needs/objectives.

Our services are varied and include comprehensive financial planning, financial planning for particular goals in life retirement planning, education fund corpus building. Our other services include Debt management, Salary restructuring, Tax planning, etc.

For a detail on this please visit us at  www.transcend-india.com/FP_Guide.htm.

Our clients are in constant touch with us globally through phone, email, Yahoo talk, Google talk, Skype. Show My PC, Team Viewer etc.

Our systematic approach ensures that documents to and fro are reduced to bare minimum or negligible.

A standard rule of thumb is, “If you want to create wealth over a long term you should be saving at the least 25% of you monthly/annual income. Nevertheless 20% is also quite a healthy scenario.” So if you are unable to save as mentioned above, one or more of the following may be true;

• You expense level may be on the higher side
• You are servicing a high level of debt perhaps credit cards, mortgages, auto finance etc.
• Your income needs to go up considering your circumstances & lifestyle

The starting point for the answer to this lies within yourself.

Firstly, have you been able to save 20-25% of your income? If you have, then like most people you may be having your investments in bank time deposits, bonds, insurance policies, pension plans & pension funds, perhaps mutual funds, unit trusts & equity shares. Essentially they would be geared to “safe” type of investments.

Secondly and more importantly, the question to consider is, Are your investments at least earning are rate of interest higher than the rate of inflation? If not, be sure the value of your saving is unfortunately eroding!!

Let’s take another popular way of looking at things, “The younger you are and the lesser responsibilities you have, you can take more risks.” The same applies to investment philosophy. A standard rule of thumb is, “Subtract your age from the number 100 and the answer that you get is the amount of allocation you can consider towards higher risk investments. High risk offers higher rewards if you are patient and willing to follow good wealth creation principles.”What we can do for you is review your investment and advise you if they best suited for the achievements of your long term objectives.

There are no short cuts in life!

There are 2 facets to this;

Time Factor

Wealth creation is a long term process. You keep investing, earning, using, reinvesting etc and the process continues lifelong.

Risk Profile

An age old maxim, which says, “Higher the risk, higher the return…Lower the risk, lower return…No risk, no return.” Having said this risk management is quite a complex subject, as our attitude to risk changes with changing life circumstances.  So one needs to either take a stand on the level of risk one is willing to take or let the Wealth Manager decide that for you from time to time. Either ways the Wealth Manager will facilitate your decision.

Yes money will then multiply and will multiply regularly provided you plan prudently, let the Wealth Manager advice you on investment risk management on a continual basis and then you patiently watch your investment grow.

You can deploy money in 2 steps;

1. Restructure current investments (if necessary) and reinvest. This is given the assumption you have some fund provision or you have made certain investments.
2. Invest on a regular monthly basis. There is nothing better than a systematic disciplined approach to investment management. This type of approach will always pave the way for great wealth building opportunities.