Retirement Planning

Retirement Planning consists of 2 phases, one is the Pre-retirement phase also known as accumulation phase and the second is the post retirement phase also known as distribution phase.

Pre-retirement phase consists of understanding the lifestyle you anticipate in the retirement, estimating living costs throughout retirement, projecting the income you can expect from all sources. Post retirement phase consists of personalized strategy for the management of retirement assets in a manner that the accumulated corpus sustains for life, guidance to help avoid needless taxes and penalties.


Cost Implication Rs. 12,000 to Rs. 24,000

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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