Finior Financial-Planning for Life and Business

Retirement is no longer about investing for your old age, it is now about

Financial Freedom at any age.

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Developing a Wealthful Future:

Consistency, Careful Planning, and Smart Investing

How many times have you used financial calculators to check how much you’ll need for retirement? And how many times have you felt disappointed after seeing the impossibly large amounts?

Building a corpus that will last you a lifetime is no mean feat. But it’s not as scary as you think.

The key to building your financial future is simple: Consistency, Careful planning, and Smart Investing.

While you may be able to do the first 2 considerably well, the 3rd one is trickier in which you will need the expert help.

There are 3 parts to creating a financial freedom fund.

Health Insurance

01

Life Insurance

02

Mutual Funds & PMS

03

Health & Life Insurance

Ensure peace of mind with our comprehensive Health and Life insurance solutions. We offer tailored plans designed to protect you and your loved ones during life’s unexpected challenges. Our policies encompass critical illness coverage, hospitalization benefits, and financial security for your family’s future. With customizable options and competitive rates, we prioritize your well-being. Contact us today to safeguard what matters most and embark on a worry-free journey with our trusted insurance coverage.

Tax Saving

Utilize tax-saving benefits under Sections 80C and 80D for insurance investments. Section 80C allows deductions up to ₹1.5 lakh per annum on premiums paid towards life insurance policies, ELSS mutual funds, PPF, and more. Invest wisely to reduce taxable income and secure financial goals simultaneously. Additionally, Section 80D enables deductions up to ₹25,000 (₹50,000 for senior citizens) on health insurance premiums, ensuring comprehensive coverage for medical expenses. Maximize savings by leveraging these provisions and safeguard your future against financial uncertainties. Consult with financial experts to optimize tax planning strategies and capitalize on these advantageous options effectively.

Corpus Creation
SIP (Systematic Investment Plan)
  • Regular investing in mutual funds.
  • Benefits from rupee cost averaging.
  • Flexible investment amount and duration.
  • Regular investing in mutual funds.
  • Benefits from rupee cost averaging.
  • Flexible investment amount and duration.
Asset Management & Protection

  1. Portfolio Management Services (PMS):

    • Engage in PMS to professionally manage investment portfolios tailored to your financial objectives.
    • PMS offers personalized investment strategies based on risk appetite, goals, and market conditions.
    • Provides diversification across equities, fixed income, and alternative investments for optimal returns.
    • Offers active management by seasoned professionals to capitalize on market opportunities.

  2. Financial Assets:

    • Property:
      • Maintain accurate records of property ownership and transactions.
      • Regularly assess property value and market conditions for informed decision-making.
    • Business Inventory:
      • Implement robust inventory management systems to track stock levels and minimize losses.
      • Optimize inventory turnover to reduce carrying costs and improve cash flow.
    • Factory/Office/Home:
      • Conduct regular maintenance to preserve asset value and ensure operational efficiency.
      • Secure necessary insurance coverage to protect against unforeseen risks (e.g., fire, theft).
    • Car:
      • Adhere to scheduled maintenance to prolong vehicle lifespan and retain resale value.
      • Obtain comprehensive insurance coverage for accident protection and liability.

  3. Non-Financial Assets:

    • Property:
      • Ensure legal compliance with property ownership and land use regulations.
      • Safeguard physical assets against natural disasters or physical damage.
    • Business Inventory:
      • Implement security measures to prevent theft and unauthorized access.
      • Utilize inventory tracking software for efficient management and replenishment.
    • Factory/Office/Home:
      • Maintain a safe and ergonomic environment to enhance productivity and employee well-being.
      • Upgrade facilities periodically to meet evolving business or personal needs.
    • Car:
      • Adhere to traffic regulations and safety standards to minimize accident risks.
      • Install security devices (e.g., alarms, GPS trackers) for theft prevention and recovery.

  4. Asset Protection Strategies:

    • Insurance:
      • Obtain comprehensive insurance coverage tailored to specific asset types (e.g., property, vehicle).
      • Review policies regularly to ensure coverage adequacy and compliance with evolving needs.
    • Legal Measures:
      • Establish legal safeguards such as trusts, wills, or partnership agreements to protect asset ownership and succession planning.
      • Consult legal experts for asset structuring and risk mitigation strategies.
    • Risk Management:
      • Conduct risk assessments to identify potential threats to asset value and implement mitigation measures.
      • Diversify investments to reduce concentration risk and preserve long-term wealth.

Implementing these strategies can help optimize asset management and protection across diverse financial and non-financial portfolios, enhancing overall stability and resilience against unforeseen challenges.

Each part does its bit to build and safeguard your wealth. Whether you have done tons of planning or none at all, our step by step approach to retirement can help you create a life that’s financially free with more ease than you can imagine.

What our clients say

It is really refreshing to work with a financial specialist who is truly interested in their client’s needs, circumstances, and preferences. What really impressed me was the way Shirish took the time to get a feeling for where I was at, his depth of knowledge, lateral thinking, and common-sense approach.

His professional, ethical, and caring demeanour elicits my trust & respect and I gladly recommend Finior Financial to all my connections.
- Rahul Dave
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As Business Development Executive at Finior Financial, Kavit Vora specializes in developing and implementing effective growth strategies that drive the company’s success. His role involves identifying new business opportunities, forging strategic partnerships, and ensuring seamless execution of growth initiatives.

Having successfully passed the CFA Level 3 exam, he has significantly enhanced his analytical skills and gained in-depth experience in economics. By analyzing financial data and conducting thorough market research, Kavit contributes to clients’ success.

At Finior Financial, he is committed to delivering value through innovative solutions and strategic foresight.

Creating long-term growth, establishing strong client relationships, and positioning the company as a leader in the financial services sector are his goals.

Mr. Aashish A. Write up comes here. stands as a trailblazer within the Chartered Accountancy field in India. With a career spanning more than 25 years, his unwavering dedication revolves around providing top-tier professional services while upholding the profession’s ethical standards and code of conduct. Grounded in these principles, he consistently pushes boundaries and strives for growth, aiming not just to meet but to surpass expectations in every endeavor.

Shirish Vora, an AMFI registered mutual fund distributor, has dedicated his career to empowering clients with tailored insurance and investment solutions. With a profound commitment to understanding his clients’ financial landscapes—be it in their business ventures or personal lives—he navigates challenges alongside them, ensuring a comprehensive grasp of every product before recommending investments.

As a seasoned Financial Consultant at Aditya Birla Sun Life Insurance Company Limited (ABSLI) for over 22 years, Shirish’s expertise is underscored by his membership in the prestigious ‘Million Dollar Round Table’ (MDRT). This exclusive affiliation, bestowed upon the world’s top financial advisors, solidifies his reputation as a beacon of excellence in life insurance and financial services. Demonstrating unwavering dedication, Shirish has repeatedly achieved accolades such as Court of the Table (COT) recognition eight times consecutively and reaching the prestigious Top of the Table (TOT) status in 2017, reflecting his unparalleled commitment to client satisfaction and financial acumen.