Financial Planning

Comprehensive Financial Plan

Whenever we are planning, having an holistic view is very important, taking all things into consideration such as our past experiences and the future expectations with action to be taken in present is required, also our money is interlinked with all the transactions we do, focusing only in one area may lead to deficit in other.

The most important thing to simplify things would be to understand the following

  • What would be the realistic cost of your Financial Goals in future ?
  • How much should you save regularly and for how long ?
  • Where to invest the regularly saved money as per your goals ?

What Client's Should Expect

  • Unbiased Advise on your Financial Situation
  • Complete Conflict free Advise as No Commissions or Percentage of AUM involved
  • Know your Exact Current Financial situation by Reviewing Cash Flow and Net worth Statement
  • Evaluation of your Financial Goals (viz. Retirement, Child’s Education, Marriage, etc.)
  • Know your Financial Goals Affordability and Prioritize the same
  • Know and Understand where and how much you should be Investing as per Risk Profile and Risk Tolerance for the respective Goals
  • Review of your Existing Investments
  • Evaluation of your current Life and Non Life Insurance policies
  • Know One year Action Plan for your Financial Transaction

What Client's Should Not Expect

  • Stock Buying Tips
  • Trading Calls
  • Filing of ITR’s
  • Get Rich Soon Schemes
  • High Returns providing Mutual Funds

Cost Implication

At present the cost is Rs. 24,000 (with support for 6 months), The Review Cost next year is 50% of the Initial Cost.

Clients are happy to pay fees for unbiased advise as they believe that the value received for this approach is much more than the onetime fee they have paid.

You are sure that you will not get into wrong products and suffer from hidden fees and commissions, the decisions taken by you will be completely after due diligence. You get completed personalized advice tailored for your life.

Let's Talk

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Client’s queries / complaints may arise due to lack of understanding or a deficiency of service experienced by clients. Deficiency of service may include lack of explanation, clarifications, understanding which escalates into shortfalls in the expected delivery standards, either due to inadequacy of facilities available or through the attitude of staff towards client.

  1. Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically. An email may be sent to the Client Servicing Team on cspadiyar@gmail.com. Alternatively, the Investor may call on 7385612442.
  1. A letter may also be written with their query/complaint and posted at the below mentioned address:

Chandan Singh Padiyar,  D-7/1, Nirmal Township, Kale Padal Road, Sasane Nagar, Hadapsar, Pune                411028.

  1. Clients can write to the Investment Adviser at cspfs@live.com if the Investor does not receive a response within 10 business days of writing to the Client Servicing Team. The client can expect a reply within 10 business days of approaching the Investment Advisor.
  1. In case you are not satisfied with our response you can lodge your grievance with SEBI at http://scores.gov.in or you may also write to any of the offices of SEBI. SCORES may be accessed thorough SCORES mobile application as well, same can be downloaded from below link:

https://play.google.com/store/apps/details?id=com.ionicframework.sebi236330

Complaints Data and Investment Charter