“From Budgeting to Investing Personal Finance Made Simple With Fee Only Financial Advisor”
Goal-Based Financial Planning For Every Stage of Your Life.
I Am
Associated With
I Am
Associated With
Problems Financial Planning Helps You Get Rid Off
But not limited to..
#1
Careless Spending
Careless spending is a habit that starts:
- When one doesn't take responsibility for their hard-earned money.
- When one doesn't create a budget.
- When one can't differentiate between their need and wants.
Financial planning with Fee Only Financial Advisor helps you recognize your overspending area by analyzing your cash flow and inculcating mindful spending habits that enable you to save more.
#2
Unwise Random Investment
The most common reasons for unwise random investment decisions are:
- The intention of quick money making and high return.
- Free advice.
- Fear of losing.
Unwise investing is not limited to investing in a product you don’t understand but also making investment choices that don’t suit your goals and risk appetite.
Financial Planning with Fee Only Financial Advisor helps you in wise investing and savings decisions.
#3
High Income Tax Payment
Paying high taxes can be avoided when one understands the income tax rules that work for them.
Tax planning is not about:
- Taking home loan for tax saving.
- Investing under section 80C.
Financial planning with a Fee-Only Financial Advisor can help you plan your finances and taxes efficiently, that works the best for you.
#4
Unclear Financial Goal
Financial planning is a 360° approach to your personal finance that helps you manage money by:
Financial Planning is Much Beyond Investing!
Client's Love
Testimonials from Client's
The Fee Of The Financial Planning Services
For Resident Indians
-
Risk Profiling
-
Emergency Fund Planning
-
Net worth analysis
-
Cashflow Analysis - Income & Expense Analysis
-
Life & Health Insurance Planning
-
Existing investment in-depth analysis- Mutual funds, insurance, bonds, fDs, PPF, etc
-
Tax Planning
-
House Purchase Planning
-
Children's Education / Marriage Planning
-
Retirement Planning
-
Loan / Debt Management Planning
-
Discretionary Goal Planning - Vacation Planning, Car Purchase Planning, etc
-
Mutual Fund report sharing every month
-
Fund Performance Review meeting every 6 months
-
Free consultation throughout the year
-
Estimated delivery time 2-3 weeks
Annual Fee. No Commissions.
Rs. 22,000
For Non Resident Indians (NRIs)
-
Risk Profiling
-
Emergency Fund Planning
-
Net worth analysis
-
Cashlow analysis- Income & expense analysis
-
Life Insurance & Health Insurance planning
-
Existing investment in-depth analysis- Mutual funds, insurance, bonds, fDs, PPF, etc
-
Tax Planning
-
House Purchase Planning
-
Children's Education / Marriage Planning
-
Retirement Planning
-
Loan / Debt Management Planning
-
Discretionary Goal Planning - Vacation Planning, Car Purchase Planning, etc
-
Mutual Fund report sharing every month
-
Fund Performance Review meeting every 6 months
-
Free consultation throughout the year
-
Estimated delivery time 2-3 weeks
Annual Fee. No Commissions.
Rs. 24,000
How Financial Planning Works?
Journey of a wise investor
Individuals who spend first and do not keep money aside after a salary credit are Spender.
Financial Planning helps budget so you can keep excess cash aside for necessary investments after a salary credit.
Individuals who keep their money aside first to save after a salary credit are Saver.
Financial Planning helps save and grow wealth by investing in short-term and long-term financial goals.
Individuals who keep their money aside first to invest after a salary credit are investors.
Financial Planning helps not just invest and grow a portfolio but become a wise investor for a secured future.
Wise investors live a financially peaceful & secure retirement life due to clarity on their goals and planned action to achieve their goals on time.
Fee Only Financial Planning Services Includes:
Financial Planning is NOT just about investment
It involves
With the comprehensive Financial Planning services, I help you identify and quantify your Financial Goals, evaluate the current financial situation, and develop an efficient road map to achieve your life goals.
I research recommendations according to your profile and recommend solutions tailored to your needs, and choose all the investment options available in an unbiased manner.
A written financial plan is then developed considering your risk profiling, diversification, and risk management and shared with you.
In this comprehensive financial planning services, I review your existing investments and insurance in detail and recommend changes as needed.
With annual review and monitoring, I ensure that you are on the right track.
I also revise the financial plan if needed in response to the changing circumstances in your lifestyle, family needs, employment, and other external factors.
Financial Planning Services that focus on your financial goals so that you concentrate on your work.
About Me
Hello, I'm Salma!
I’m a SEBI Registered Investment Adviser (RIA No.:INA000017222) & Certified Financial Planner (FPSB No.: 60832).
I’m a financial adviser who works with individuals like you jointly to help you plan your finances and make well-informed financial decisions.
I deeply understand client needs and provide professional advice, prioritizing their interests.
Every suggestion is personalized, keeping today’s comfort in mind while still planning responsibly for tomorrow.
So far, I have advised 400+ families in their Financial Planning journey.
In this internet era, when you look for “fee only financial advisor near me” for convenience, working virtually will be even more convenient and save you time.
Fee Only Financial Planning Process
Here Is How We Can Work Together Towards Your Financial Planning Journey
#1
You can directly book a video call with me by using a booking calendar at the bottom of this page or the website’s contact page. Alternatively, you can drop a WhatsApp message at +91 8180923895 or email me at salmasony.cfp@gmail.com.
Upon scheduling a 45-minute call using a calendar, you will receive an email invite with the Google Meet link to connect on the scheduled day and time.
During this call, I will focus on understanding your requirements, introducing how goal-based financial planning can help, and outlining the next steps.
#2
Once the process and fee are agreed upon, I will need your essential document as a part of KYC to proceed.
Once I have them, I will share with you the below mentioned three documents:
Letter of Engagement– This is a formal engagement letter, as SEBI Regulations require. If you agree to the terms, please use Aadhar-based OTP for the e-singing of the engagement letter.
Data Collection Sheet – This is an Excel template where you will provide details about your current financial status, including family information (financial dependents), goals, income, expenses, assets, liabilities, etc.
Risk Profiling Questionnaire – This is an editable PDF questionnaire with a multiple-choice question-answer format. You must download the pdf, choose the best-suited answer for all the questions, and send it to me for analysis to understand your risk appetite.
#3
After signing the Letter of Engagement by both parties (Client & Advisor), you must pay the fee to the provided bank or UPI details, completing our sign-up.
Upon receipt of the filled Data Collection Sheet and Risk Profiling questionnaire, I will schedule a 45-minute meeting to review your data in detail, including providing guidance on financial goals and addressing any queries you may have.
#4
Planning – I will prepare a financial plan with the data you provided after our data collection meeting. I take 2-3 weeks to study your case and prepare a customized financial plan thoroughly.
Execution – Once you receive the plan, I encourage you to review it thoroughly and list any questions or concerns.
In our next meeting, I will take you through the plan and address your queries to the best of my abilities. Once you clearly understand the plan, you can proceed with its implementation.
As I follow Fee Only Financial Planning, implementing the financial plan is your (client’s) responsibility. However, I will assist you if you face difficulties during the implementation process.
#5
I encourage connecting to address any of your queries related to implementation support when needed. Formally, we meet semi-annually, where I will address below:
a) How well have you implemented the plan, and if any missing action needs to be taken care of?
b) How are your investments doing?
c) Understand if there is any change in your financial situation and clarify any doubts.
#6
I follow the annual review process for your financial plan. Upon renewal, I will review your goal’s progress.
Please note that even after I deliver the financial plan, you can always contact me during the one-year engagement period to discuss any matters related to personal finance, investing, or your financial planning.
Apart from the above, I will address any changes in your financial goals, cash flow, or any life situation impacting your financial plan as and when they occur. Your evolving needs are my priority.
Fee Only Financial Planning Services Approach
Here Is How We Can Work Together Towards Your Financial Planning Journey
#1
Introduction
You can directly book a video call with me by using a booking calendar at the bottom of this page or the website's contact page. Alternatively, you can drop a WhatsApp message at +91 8180923895 or email me at salmasony.cfp@gmail.com.
Upon scheduling a 45-minute call using a calendar, you will receive an email invite with the Google Meet link to connect on the scheduled day and time.
During this call, I will focus on understanding your requirements, introducing how goal-based financial planning can help, and outlining the next steps.
#2
Engagement
Once the process and fee are agreed upon, I will need your essential document as a part of KYC to proceed.
Once I have them, I will share with you the below mentioned three documents:
Letter of Engagement–
This is a formal engagement letter, as SEBI Regulations require. If you agree to the terms, please use Aadhar-based OTP for the e-singing of the engagement letter.
Data Collection Sheet –
This is an Excel template where you will provide details about your current financial status, including family information (financial dependents), goals, income, expenses, assets, liabilities, etc.
Risk Profiling Questionnaire – This is an editable PDF questionnaire with a multiple-choice question-answer format. You must download the pdf, choose the best-suited answer for all the questions, and send it to me for analysis to understand your risk appetite.
#3
Sign-Up
After signing the Letter of Engagement by both parties (Client & Advisor), you must pay the fee to the provided bank or UPI details, completing our sign-up.
Upon receipt of the filled Data Collection Sheet and Risk Profiling questionnaire, I will schedule a 45-minute meeting to review your data in detail, including providing guidance on financial goals and addressing any queries you may have.
#4
Planning
Planning – I will prepare a financial plan with the data you provided after our data collection meeting. I take 2-3 weeks to study your case and prepare a customized financial plan thoroughly.
Execution – Once you receive the plan, I encourage you to review it thoroughly and list any questions or concerns.
In our next meeting, I will take you through the plan and address your queries to the best of my abilities. Once you clearly understand the plan, you can proceed with its implementation.
As I follow Fee-Only Financial Planning, implementing the financial plan is your (client's) responsibility. However, I will assist you if you face difficulties during the implementation process.
#5
Follow-up
I encourage connecting to address any of your queries related to implementation support when needed. Formally, we meet semi-annually, where I will address below:
a) How well have you implemented the plan, and if any missing action needs to be taken care of?
b) How are your investments doing?
c) Understand if there is any change in your financial situation and clarify any doubts.
#6
Review
I follow the annual review process for your financial plan. Upon renewal, I will review your goal's progress.
Please note that even after I deliver the financial plan, you can always contact me during the one-year engagement period to discuss any matters related to personal finance, investing, or your financial planning.
Apart from the above, I will address any changes in your financial goals, cash flow, or any life situation impacting your financial plan as and when they occur. Your evolving needs are my priority.
What is not covered in the Fee Only financial Advisor Services?
Here Is How We Can Work Together Towards Your Financial Planning Journey
Frequently Asked Questions
Financial Planning Services will help you create a road map of your life financial goals and help you achieve them on or before time by implementing, grabbing market opportunities, and tracking right.
If you have several financial goals, especially if your family is dependent on you financially, then the right time is NOW.
Financial Planning Services is an annual service.
Financial Planning Services cover all aspects of personal finance. Click here to learn more about our Financial Planning Services approach.
A fee only financial advisor / fee only financial planner operates on a transparent and straightforward model. Unlike financial planners in India who earn commissions or fees based on product sales, fee only financial advisors charge a flat fee only for their financial planning services, ensuring unbiased financial advice that aligns with client’s financial goals. This structure eliminates conflicts of interest, putting the client’s interests ahead of everything else.
In this internet era, when you look for “fee only financial advisor near me” for convenience, working virtually will be even more convenient and save you time.
GET IN TOUCH
Helping you get where you want to be
Book Free Discovery Call
Setting goals is the first step in turning the invisible into the visible.
