About Us

Our Team believes in three basic principles of Planning that is Simplicity, Transparency, and Purpose.

At Maniquemala Advisory Services, we value your Time. Our integrated Maniquemala Advisory Services, a comprehensive financial planning advisory start-up, founded in 2002 has been set up to provide a single window platform to share Investment and Risk Management Advice to individuals and Corporate. Platform that would enable the investors to learn about financial planning,plan their financial future, invest according to the plan, and continually track theinvestments to ensure alignment with the plan. Unbiased advice is our strength. Our Qualified teams of financial professionals prepare comprehensive financial plans forour clients, and then assist them in making affordable savings towards the achievementof their Short and long term financial goals. We provide periodical reviews for comprehensive financial planning service.

Key Features

Financial Planning

A financial plan is the road map for your financial life. It covers major financial areas of your life addressing aspects such as cash flow, savings, debt management, risk management, children’s education planning, taxes, retirement, estate planning, and of course, investments and a strategy for managing them. It is more than a guide. It is awritten strategy that gives you a clear, pragmatic path to follow towards the accomplishment of your most important financial goals.

Having a financial plan is like having a travel plan - it identifies where you are going, how and when you will get there, how much will it cost, and things to do along the way.

A personal financial plan looks at where you are today and where you want to go. Then it sets out all the steps you need to take to get there. Everyone who is earning should draw up a financial plan. The plan will help you get the most from your money and help you in achieving your financial goals in life.

Do you need financial plan?

Yes - if you have an income, a family or planning to have one in the future, retirement dreams, and for many other financial reasons / goals that are unique to you. No one can predict the future but one can certainly be better prepared for it. An effective financial plan will make sure that you are financially prepared to deal with the unexpected events and stormy times.

On the contrary, if you have one and the recommendations there on have been executed, most of your financial goals will be satisfactorily met. A good financial plan can alert you to changes that must be made to make sure a smooth transition through life’s financial phases, such as decreasing spending or changing asset allocation.

By developing a financial plan you and your family:

You need not be very rich to have a financial planning. No matter how much you earn and at what age, a plan is important to make your life easier. As your financial situation influences almost every aspect of your life, a regular financial plan can help give you peace of mind and protect you from unforeseen, unfavorable situations. Once you havea working personal financial plan, you can use it to make informed financial choices.

Having a good financial plan will allow you an over view of what you can afford. It will allow you to analyze your wants versus your needs. It also provides you a way to see how to avoid major financial mistakes in the future.

Risks of not having a financial plan:

You may be able to achieve what you want today but might not be able to achieve whatyou need few years down the line. Say, if you buy a new car now, you might not have

Enough funds later to buy your dream home.

You may not see the big picture. Say, you may grow your wealth by making good Investment choices but end up being tax inefficient and pay more taxes than you need to.You may take a short-term view of an opportunity and make rushed financial decisions,or fall into some scam trap. Worst of all, you may end up doing nothing (and just Thinking of doing something and never achieve your financial goals.

You might become a victim of miss-selling and build a corpus of investment products that neither suits your financial needs nor your risk profile. You are very much likely to worry more about money and financial security. You maynot know where you are today and where are you heading for.

Tips for Effective Financial Plan

The need for financial plan is all the more very important in the turbulent economic times of today. If you don’t have one till now, don’t delay any more and Get it now. Don’t be self-satisfied that you will be okay whatever happens. Face the reality. Unless you develop a financial plan early, it will be too late.