What is Financial Planning ? » What does Sandhu Associates Offer? »   Financial Planning   Financial planning is critical to reach your financial goals. There is nothing like 'one solution' that works for all.  The right solution is the one that works for you and it our job to discover such an investment strategy for you. Financial planning will help you reduce your dependency on luck and market timing. Getting married, buying a house, going overseas, retiring - whatever stage of your life you are at, a financial planner can help you achieve your financial goals. It doesn't matter whether you have a small amount to start investing or already have a large portfolio, having a financial plan will help you get the most out of your situation. Financial planners can help you clarify your financial goals and design a strategy to achieve those goals, taking into account your investment options and factors such as taxation and inflation. What makes us different? We focus on your goals and work with all areas of your financial life—tax preparation and planning, investment strategies, insurance, estate planning, retirement planning, budgeting, and more—to create a financial plan that changes as your circumstances change. Instead of just telling you what to do, we work together with you, providing you with easy-to-understand recommendations and helping you implement them every step of the way. Our investment plans and strategies are based on the proven fundamental and not the latest investment fad.   Financial Planning Process   Primarily, we will understand the following. • Your current financial profile • Projections of income streams over time • Projections of regular expenses over time • Major financial milestones • Retirement aspirations • Your current risk appetite and risk taking ability Once these inputs are collected from you, our planner will process the same using our financial planning tool. When our planner meets you again you will see a basic version of the financial plan for you. However, most of the recommendations above are to be taken as the starting point of a discussion between the planner and you. The discussion is intended to evolve a much more informed financial plan for you. At the end of the process, you will have a detailed financial plan, a set of specific action items for you to act upon and some issues for you to consider in the medium term.