Crederecounsel.org is a comprehensive financial counseling solution that prioritizes trust, integrity, and comprehensive financial guidance for clients.
Younger investors have a long time until retirement and can afford to take to make riskier and growth orientated investment decisions
Investor in their peak earning years will have a greater capacity to save and invest
Retired investors must focus on capital preservation and income to cover lifestyle and medical expenses
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| Long Term Objectives |
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| Risk Profile |
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| Portfolio Allocation |
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| Appropriate Asset Classes |
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| Cash Flow Profile |
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It is very clear that over the investor’s lifecycle, the client requires a diverse set of financial services on account of changing risk profile, cash flows profile, and personal circumstances.
That said, the client is best served through a lifetime financial plan, and would mean partnering with the client, through the client’s entire lifetime.
This gives the client comfort that we are standing with the client shoulder to shoulder through the client’s entire lifetime to help them weather the financial journey. In our opinion there is no better way to deliver client value-add and establish credibility with the client.
Wealth Management and Financial Planning are often used interchangeably and interpreted as being the same. There are fundamental differences between the two services, and it is particularly relevant to have absolute clarity, especially since our offering is directly related to Financial Planning. The comparison between Wealth Management and Financial Planning is summarized across six different parameters in the following section.
Opportunity Orientated Personal Financial Management
To Preserve & Grow Existing Wealth
High Networth Investors
Wealth & Risk Tolerance Assessment, Asset Allocation, Wealth Preservation & Growth Strategy etc.
Active Wealth Management
Only on Investment Portfolio
Goal Orientated Personal Financial Management
Create Wealth & Then Meet Financial Goals
For Every Individual
Cash Flow Management, Investment Planning, Tax Planning, Retirement Planning,
Passive Wealth Management
On Financial Goals and Time Horizon
Opportunity Orientated Personal Financial Management
To Preserve & Grow Existing Wealth
High Networth Investors
Wealth & Risk Tolerance Assessment, Asset Allocation, Wealth Preservation & Growth Strategy etc.
Active Wealth Management
Only on Investment Portfolio
On Financial Goals and Time Horizon
Passive Wealth Management
Cash Flow Management, Investment Planning, Tax Planning, Retirement Planning,
Goal Orientated Personal Financial Management
Create Wealth & Then Meet Financial Goals
For Every Individual
Financial Planning assesses the client’s current Financial Situation or Circumstances, understands the client’s Financial Goals, and creates a pathway to
Financial Planning is an ONGOING PROCESS. The key words are that it is PROCESS (not a product) and is ONGOING (not a one-time exercise, but over
Financial Planning includes Investment Management as one of its six key elements. However, rather than being executed in isolation, it forms part of the overall
An individual or a family necessarily need to provide for children’s higher education, insurance policies to protect the family in the event of death,
As mentioned earlier Financial Planning has six elements. However, we would like to make special mention of Debt Management that is
In order to achieve Financial Clarity, creating a ‘Life Plan’ integrates the client’s Visions, Values And Motivations – all unique to the client and their lifestyle – with their Financial
Crederecounsel.org is a comprehensive financial counseling solution that prioritizes trust, integrity, and comprehensive financial guidance for clients.