Choose the kind of help you need right now.
You may want one complete plan, a second look at your portfolio or clarity around one specific goal. Shubhika’s services are designed to meet you at that point and help you move forward in a structured way.
Comprehensive Financial Planning
It is common to make financial decisions one at a time. A comprehensive plan looks at how those decisions work together. It helps identify what is already on track, what may be missing and what should be prioritised first.
A structured view of your current position, agreed priorities and recommended next steps.
What the discussion may cover
- •Income, household expenses and cash flow.
- •Emergency-fund requirements.
- •Short-, medium- and long-term goals.
- •Loans and financial commitments.
- •Protection needs at a planning level.
- •Current savings and investments.
- •Risk profile, time horizon and asset allocation.
- •Retirement and future goals.
Investment Planning & Guidance
Investing is not simply about finding a popular product. A useful strategy begins with the reason for investing, the time available, your capacity and comfort with risk, and the other commitments your money must support.
A clearer framework for investment decisions and recommendations within the approved service scope.
What the discussion may cover
- •Purpose and time horizon for each goal.
- •Risk profile.
- •Asset-allocation approach.
- •Liquidity and near-term requirements.
- •Suitable categories within the permitted scope.
- •Risks, costs and trade-offs.
- •Phased action plan where appropriate.
Portfolio Review
A portfolio can become cluttered over time. New investments are added, older ones continue and the original reason for holding them is forgotten. A review helps you understand the role of each holding and see the portfolio as a whole.
A structured review with observations and recommended next steps.
What the discussion may cover
- •Purpose of existing investments.
- •Asset allocation and overall balance.
- •Duplication or overlap.
- •Concentration risk.
- •Liquidity and time-horizon mismatch.
- •Costs where relevant.
- •Risk in relation to the current profile.
- •Options for simplifying or reorganising.
Retirement Planning
Retirement planning is not only about selecting a product. It involves understanding the lifestyle you want, the years remaining, rising costs and the income sources you may have later.
An estimate based on agreed assumptions, a view of current preparedness and practical next steps.
What the discussion may cover
- •Preferred retirement age and lifestyle.
- •Current expenses and future-cost assumptions.
- •Existing retirement savings and income sources.
- •Time available to build the required corpus.
- •Asset allocation before and during retirement.
- •Healthcare and contingency considerations.
- •Contribution or investment roadmap.
Life-Goal Planning
A goal becomes easier to plan for when it has a likely cost, a time frame and a priority. Goal planning turns a broad intention into a more concrete financial requirement.
A clearer target and a practical approach to work towards it.
What the discussion may cover
- •Define the goal and target date.
- •Estimate future cost using reasonable assumptions.
- •Review money already set aside.
- •Understand the likely funding gap.
- •Consider suitable saving and investment approaches within scope.
- •Balance the goal against other responsibilities.
One-Time Consultation
You may be considering a major investment, reviewing an existing choice, deciding how to use a lump sum or trying to understand what deserves attention first. A focused consultation gives the conversation a clear scope.
A focused discussion and agreed next steps relating to the specific question.
What the discussion may cover
- •Second opinion on a portfolio or proposal.
- •Prioritising between competing goals.
- •A decision involving available cash or a lump sum.
- •Questions before beginning an investment journey.
- •The next step after a major life or income change.
Before an engagement begins
STEP 1
Share your requirement. Initial overview of your questions.
STEP 2
Have an initial conversation. Discuss the situation and mutual fit.
STEP 3
Receive the scope and fee information. Clear written engagement details.
STEP 4
Begin after confirmation. Structured advisory execution begins.