Getting Financial Plan at PrudentFPVery often in life, we dont seem to have a plan. This is a debateable topic, still lets...
Getting plan an expense or an investment?Ask yourself: "Is taking advice from an expert regarding my financial life an "ex...
Plan Options & PricingWe offer Financial Planning options to suit-everyone. After all, we have always maintained that fina...
Annual Fee                                       ` 6,000                            ` 10,000                              ...
Payment OptionsYou can pay by (1) Cash, (2) Cheque or (3) Net BankingOur Account details are as under:Name                ...
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  1. 1. Getting Financial Plan at PrudentFPVery often in life, we dont seem to have a plan. This is a debateable topic, still lets try to understandand find out why should I have financial plan. Everything "just happens". Things are moving on eachpassing day in our financial lives too.Getting Financial Plan is the first step towards turning the invisible into the visible. It would tell you"Where are you now?","What may you need in future?" and "What you must do to reach your goals?".Getting Plan is deciding a road map for you self. It is deciding in advance how will you invest yourmoney which helps you achieve your Financial Goals in life comfortably. It will give you a Path onwhich you just have to walk overtime. Financial Plan is about Consistency. It’s about having a vision.It’s about promise to yourself that you will follow the plan with discipline. Its not about getting 30%or 40% its about getting X%Have you ever paid the fees?We like to pay Doctor fees, Architect fees, Lawyer fees and accordingly professional Financial Plannercharges fees. The fees are charged for the competent and unbiased advice which our FinancialPlanners give you by using his/her expertise and experience.You buy an arbitrary ULIP insurance policy with a premium of Rs 50,000 per annuam because thesalesman was really persuasive or some uncle (or dad close friend) happened to be an agent and soldyou policy to save tax and secure your future. If you are in the 30% tax bracket, you will save Rs.15,000 in tax. But if that was a ULIP with a 50% premium allocation charge( which is the case, quiteoften), Rs 25,000 is lost the moment you sign the document and this amount would go in the pocketof your agent in the form of his first year commission. So you save 15k and lose 25k as charges!Actually, you have paid indirectly fee to your agent for buying biased product, still you are in happy topay them and considered as good investment instead of expense. Page 1 of 5
  2. 2. Getting plan an expense or an investment?Ask yourself: "Is taking advice from an expert regarding my financial life an "expense" or an"investment" which can improve my financial life and enable me to reap benefits over the long term?"We are simply programmed to try to acquire anything we pay for at a lower cost or may be even forFREE.Would you settle for a common school for your child, even if you can afford a better one? Would youopt for hospital merely because the fees are low compared to others in the vicinity, even though it isthe health of your loved ones that may be at a stake? No. You wouldnt compromise on these servicesbecause you consider them as crucial. In these cases, you want the best quality that your money canbuy. If thats so, why is it not the case with financial advisor? Keep in mind the fact that your financialadvisor is going to deal with your wealth; your hard earned money, which is going to be used for yourchildrens education, your dream home, your retirement, your other big goals in life.We work with you to make your financial life awesome. So you would be better off hiring us as weknow the best and give the best quality that your money can buy because you are putting your life inour hands…after all, your life is governed by the state of your finances to a great extent. Dontcompromise on quality for a couple of thousand.Look for value or real return of product who is more interested rather than more interesting; look atPrudentFP is to serve you rather than please you; look at PrudentFP is committed to solving yourproblems; look at PrudentFP is willing and able to bring about the change in your financial life thatyou have been seeking... The focus must be on Value and not on Price.Transform your financial life so that you would give it at least 8-9 stars out of 10 if you were to rate it.Get financial plan who shall help you move forward. Consider paying for advice and getting plan as aninvestment, rather than just another monthly expanse.Get the best plan at the best price!!!____________________Suresh K Narula, CFPCMPrincipal Financial Planner , Prudent FP Page 2 of 5
  3. 3. Plan Options & PricingWe offer Financial Planning options to suit-everyone. After all, we have always maintained that financial planning is not only for rich andultra rich people. Check out the details of out three variants and choose the one that suits you. Plan Option Standard Plan Premium Plan Prudent Plan Standard Financial Plan Premium Financial Plan Prudent Financial Plan covers Single or Multiple Goals covers Single or Multiple Goals and with Detailed Analysis of every piece of and is completely based on is completely based on inputs information relevant to you prepared after Plan Coverage inputs provided online by you provided online by you as well as scrutinizing all your documents & papers collected during discussion with Financial Planner Plan Content 15-20 Pages approx. 25-35 Pages approx. 40-60 Pages approx. Very High but mainly Very High with a Certified Financial Intricate calculations covering every area of Calculation Depth automated Planners Expert Touch your file and considering every financial detail relevant to you Service Time 1-2 Weeks 2-3 Weeks 3-4 Weeks Depends on You. Only the Details provided by you as well as Everything is considered. Your every financial Incorporation of Information provided by you is information collected during decision & every investment made in the Existing Investments considered for plan discussion with Financial Planner is past is evaluated and appropriate preparation considered and used recommendations are made Completely Online. Mainly Online with limited Highly Personal with many rounds of Information is collected and Interaction with Certified Financial discussions via meetings, phone, FB or mails. Plan Process plan delivered virtually in pdf Planner. Plan delivered in pdf Plan delivery option as desired by you both format format pdf and physical options available Personal Touch by Limited Moderate Maximum PlannerPlan Implementation Available Available Available Assistance Ongoing Services Getting update all latest Monitoring of Plan as well as reviewing of Not Applicable amendments in Financial areas plan for the first year only /Availability Tax & Estate Planning as well as Tax Special Features NIL Tax & Estate Planning computation and filing of income tax return We prefer life long association with Mainly for one-time financial Recommended long-term comprehensive annual reviews. Suggested Client Commitment planning clients with simple commitment with a minimum of 10 commitment from your side is a minimum of financial goals years along with annual review 10 years Completely Online. Mainly Online with limited Highly Personal with many rounds of Information is collected and Interaction with Certified Financial discussions via meetings, phone, FB or mails. Plan Process plan delivered virtually in pdf Planner. Plan delivered in pdf Plan delivery option as desired by you both format format pdf and physical options available Clients looking for moderate Clients looking for high level of detailing, Suited For Everyone detailing and customization customization and personal touch Page 3 of 5
  4. 4. Annual Fee ` 6,000 ` 10,000 ` 15,000 (All inclusive) Per Day Cost ` 17 ` 28 ` 41 Much less than what you pay for a meal of McDonalds, a movie ticket or a drink at a restaurant. Something you do without even thinking about the cost, isnt!!! Per Month Cost ` 500 ` 834 ` 1,250 Much less or equivalent your monthly mobile bill, petrol expenses, gym charges and club fee etc.Convenience is the main advantage at PrudentFP because of the following reasons:Hassle Free Data gathering You can provide your details whenever you have the time and you dont need to provide all the details in onego. You have to fill simple and lucid manner automated Prudent Questionnaire in excel along with your Xerox copies of requites documentsand mail to planner@prudentfp.inNo Travel Constraint You also enjoy the convenience of location. There is no need to travel to your financial planners office or to entertainhim at your home. Whether it is providing the initial information, Reviewing the Financial Plan or providing your feedback- you can do itright from your home, office or a cyber cafe!Time The entire process of preparation of your financial plan can be completed in 2 to 4 weeks ,depending on the complexity of thesituation and /or time constraints at our end. Process: Payment Once you decide to select our plan model, the first step is to Make Payment of Our Annual Fee. After all Step 1- ,there are no free lunches in life!!! Data Gathering After your payment is received, we would forward you a Prudent Questionnaire excel based Step 2- (data collection) form. If you are familiar with excel, you can fill relevant information online. Otherwise, take a printout of the form , fill it by hand send it to us by courier. Request for Additional Information. We would like to ask a list of Xerox copies of your investment and income Step 3- details. Draft Financial Plan Based on the information provided by you ,we will prepare a draft financial plan and forward Step 4- it to you (PDF format) for your review. Your review of the draft financial plan You go through the plan and check your details have been shown correctly. Step 5- You share share your views and would also mention changes, if any that would like to be incorporated. Step 6- Your FINAL financial plan Based on your reviews and feedback ,we would post your financial plan (PDF format) Periodically Review Preparing the Financial Plan is the first and most important step in maintaining a fine financial health. But we also need to ensure that the financial plan is changed as and when appropriate-say when there is an Step 7- addition to the family, income level changes, etc. Also we need to see that the financial plan is performing as expected, and changes need to be made if required. Page 4 of 5
  5. 5. Payment OptionsYou can pay by (1) Cash, (2) Cheque or (3) Net BankingOur Account details are as under:Name Suresh Kumar Name Suresh Kumar NarulaAccount No. 001301020052 Account No. 10304726488IFSC Code ICIC0000013 IFSC Code SBIN0001443Branch Sector 9-D, CHANDIGARH Branch Sector 30-C, CHANDIGARHSchedule FREE Initial Consultation with our Principal Financial Planner 1397 Sector 25 Panchkula (Haryana)-INDIA Mobile: +91 98160 02197 E-mail:sureshcfp@gmail.com website: www.prudentfp.in Page 5 of 5

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