Dubai, United Arab Emirates
+ 971 50 435 9378
I offer a holistic and highly personalized wealth management service which would lead you, as a High Networth Individual, to have a worry-free life.
The most precious resource that we all have is Time. Wealthy people always know the exact value of their time. As a professional financial advisor and planner, I collaborate with high net worth families and entrepreneurs too and assist them with their financial needs. (Am open to working with social organizations.)
I ensure that you would have more time for yourself by creating a detailed financial plan which involves assessing your current situation, determining your present and future goals and needs, giving recommendations on the financial products that are right for you, reviewing the investments periodically and reallocating them when required.
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Why this specific module stating “Wealth Advisory for Women”? In my many conversations with women what comes across very obviously is that most of them are not involved in major financial decisions. This is irrespective of their education and employment status. Quite a few ladies in senior management positions have mentioned that their respective spouses handles her investments.
One of the reasons could be the lack of financial knowledge or the lack of interest in learning about it. When women learn about finance, they will be able to better understand why some decisions have been taken.
There are many highly successful women who are financially independent. Seeking security, most of them invest in low yielding investments. Hence it is not surprising that their net worth is much lesser than that of their male counterparts.
I would like to demystify the world of finance for women. Financial literacy will empower them to become more self reliant and independent in decision making. They can avoid making poor financial decisions.
In this journey to achieving financial literacy, I would be addressing the key areas including how money works, setting and achieving financial goals, managing debt, and being prepared for a financial crisis.
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You may have many dreams for yourself and your family. You may even dream of being able to contribute regularly to a charitable cause. I will help you to identify your financial goals from this wish list, and to plan for the same. This will lead to crystallizing your wish and making it easier to attain. Goals can also change as the years pass by, with new ones being added and older ones being changed. We shall revise the financial plan regularly to evaluate whether your new requirements can be achieved, and if yes, to ensure that it reflects these goals too.
“Someone is sitting in the shade today because someone planted a tree a long time ago” said Warren Buffett. You can be that someone who is planting a tree today to enable your future self to relax in its shade. I shall assist in growing your own wealth so you can retire comfortably.
Every individual can have financial freedom, provided the investments are done as per their needs, and not that of their friends’. Each asset class is unique and is used to meet different goals. Asset allocation plays a major role in determining the net worth of an individual. So I will take you through the merits and demerits of each asset class, and help in achieving optimum asset allocation best suited for you.
Knowledge leads to more commitment and conviction. So, at each step, I will ensure that you understand the reason for a proposed plan or action.
Out of the hundreds of investment opportunities that are available in each asset class, my role would be to identify the ones which have a proven track record, are regulated by the authorities and which will grow to meet your targets in the given time frame.
Any plant needs to be watered, pruned and nurtured for optimum growth. Similarly, your investments too need to be monitored regularly. Being an individual with a profession or business to pursue, you may not have adequate time to devote to this essential monitoring of your investments. Here too I shall be monitoring your investments on your behalf and appraising you at regular intervals.
You can be assured of confidentiality and of surety that any of the processes will be seen through till its completion.
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Most of us know that we have to set aside money for a rainy day, that we will need money to provide a good education for our children and that we have to plan for our retirement. These are but a few of the financial milestones in our lives. When it comes to actual numbers, do we know just how much is the ideal amount to be set aside for emergencies, how much we need to have planned for University, and how much we need to lead a peaceful retired life. My holistic approach to preparing your financial plan will place you in a better position to deal with emergencies, and to make sound investment decisions.
Preparing a financial plan helps you to visualize your goals. This leads to better savings and investments. With a plan in place, your net worth at the end of day will be higher because you would have started taking good conscious decisions.
My approach to preparing your Financial Plan:
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Most parents’ ambition is to provide a good education for their children. With Schools and Universities operating on a for-profit business model, the cost incurred by the parents has increased tremendously over the last decade. So the cost of good education too becomes a tangible financial goal.
Educational cost too has its own rate of inflation. It is imperative that funds are earmarked for this purpose and moved to safer assets at the right time, so the corpus is available when needed.
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If asked, where would you like to retire, no two people will give the same reply. One may want to retire in a village amidst nature. Another might want to retire in an expensive city. The plans for retired life will also differ. One may want to spend time travelling. Another may want to lead a quieter life.
When aspirations and dreams for retired life vary, the income required for the same will also vary. Many are also planning to stop working actively for their income in their 40s. This requires a strategy which will result in a healthy passive income to support their retired life. This amount of passive income should also increase every year to keep pace with inflation.
The good news is that if the planning is done the right way, then it is possible to live a retired life as envisioned.
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Our income decides the lifestyle we can afford. Having gotten used to a particular standard, we would be unhappy if we are forced to make do with less. But this happens more often than we are aware of.
Many of us are focussed on our current earnings and savings. Is it possible to protect your future income in case adversity strikes? The answer is Yes. How much income would you need to look after yourself and meet your obligations if you lose the capacity to earn. How much income would your dependents need to have a decent lifestyle in case you are not there to provide for them.
These are some scenarios which may not be comfortable to discuss at the dinner table, but which are very essential when it comes to planning for the future. Ensuring a regular income means that you are able to pay for your basic needs like rent, education, grocery and medical even when adverse events like death or serious illness occur. Though we may have family and friends who will support you, being financially independent will give you a lot of freedom in decision making during adversity.
Life insurance and Critical Illness covers are where you are paying now for your own future self. Wearing a safety harness will make you climb the mountain more confidently. Look upon these insurances as safety harnesses in life. Knowing that you and your dependents are financially protected will help you in taking decisions which are more attuned to your nature, and will make you more confident.
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Debt is a sum of money borrowed from another, and is due for payment along with interest at a later point in time. Everytime you borrow money, you are committing to part with a higher portion of your future income to repay the same.
Is it possible to live a debt free life? Yes.
Is it advisable to live a debt free life? Yes.
The most common reason is to borrow money to live beyond our means. Credit card bills and personal loans end up consuming a major portion of our income. Caught in a vicious cycle we tend to drown in debt. God forbid if our income stops due to losing employment or due to sickness.
Repaying debt in a sensible way will help in closing the loans and becoming debt free. This will help you to start saving and investing for the future. So instead of losing wealth, you can embark on a journey of wealth creation.
Debt is a double edged sword. It can help in wealth creation only in the hands of those individuals who know how to utilize it properly. Consult before you take on a debt.
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