Why Shwealth?
Advisor Profile:Jay Sheth
You get to work with an advisor who:
-
Has over 20 years of work experience
-
Is MBA in Finance and Chartered Accountant
-
Has work experience with KPMG and Deloitte
-
Has consulted MNC, Private Equity funds and Indian Conglomerates
-
Has worked with Clients in Personal finance ranging from networth of INR 15 lakhs to INR 20 crore
Access to Proprietory Research:
-
Clients do not just get a PDF report
-
Access to a proprietary built Mutual Fund Model
-
Flexible Personal Finance Model in excel to key in your financials, future goals, asset allocation, impact of rebalancing, etc​
Process:
-
Process revolves around the Client - We do not just collect data and submit a plan, financial calculators and AI can also do this
-
Client is involved in multiple discussions and plan is finalized that Client understands and can implement​
-
Understanding Client's requirement, risk appetite and financial motivations is equally as important as running the numbers
-
- Research driven process - all recommendation backed with numbers and options​​
Pricing:
-
Comprehensive Plan I meant typically for beginners, is priced low, to enable affordable financial planning to everybody
-
Comprehensive Plan II provides great value of money to Clients - Year round access to advisor, access to your Personal Finance Model
-
Fee only model - We do not get any commissions and do not engage in any product sales. This makes our advise conflict free
Goal Based Planning
We assist Clients in setting goals for the financial planning process and suggest best instruments to achieve those goals. Be it planning for a vacation, child education, marriage expense or retirement planning, we would ensure you have the cashflows to meet the goal.
Insurance Assessment
Having Life Insurance is paramount to the financial security of your family. Where we assist you is in assessing the sum insured and choosing the right policy. Health insurance protects you from eroding your capital in case of hospitalization and illness. There are more than 20 companies offering multiple policies having different feature. We assist you in navigating this maze and choosing the right insurance company and plan that minimizes your cost in case of hospitalization.
MF Portfolio Review
Have too many funds in your portfolio? Not sure what your allocation should be between different kinds of mutual funds? Is index only investing the way to go? If you have all these questions or if you think your Mutual Fund portfolio is not performing well, we would assist in identifying the correct strategy for your mutual fund.
Retirement Planning
Planning for your retirement is the most crucial aspect of financial planning. In the initial years for a lot of individuals there are not enough savings to really build a corpus for retirement. With growing income and lifestyle expenses a lot of individuals have lost focus on the need to build a retirement corpus. We assist Clients in understanding their retirement corpus required during retirement and more importantly how to build that corpus.
Tax Planning
Tax planning is done to reduce your tax burden, hence increasing your annual capital that can be invested toward your goals. Tax planning should be done at the beginning of the financial year itself and should be at the back of your mind while making any investment decision. Even small savings in annual tax invested wisely can result in a sizeable corpus over time.
Do-It-Yourself (DIY)
We just do not create a financial plan, but in the process also educate Clients on various aspects of finance and investments. Rather than relying just on conflicting information available on the internet, it is advisable to work with a financial advisor until you understand key aspects of the planning process and develop your own view and investment style. Post this, we encourage Clients to go for the Do-It-Yourself approach.
Budgeting
We assist Clients in building up their annual expenditure budget especially if they are young and are expected to have significant life events that alter their current budgets.
Cash flow Assessment
Cash flow assessment is a crucial part of financial planning to assess your annual investment corpus, your ability to repay debt if any and having enough cash flows in the years in which you want your goals to fructify.