Financial Advisory (Consultancy) From Manek Financial

Come For The Second Opinion

Existing Portfolio Re-Evaluation

If you are not sure with the performance or direction of your existing investments, we are happy to help. Our evaluation is based on the parameters such as taxation, returns vs. risk, liquidity, cost & tenure. We will take the existing data, evaluate the same on the above-mentioned parameters and give our recommendations on the investments.

Debt Management

BUDGETING

To borrow money, we always measure it by meeting the eligibility criteria of income, age, repayment capacity and your credit score. Failing to meet this will lead to rejection of the loan application and have a negative impact to the credit score. But we always forget to measure it with the other cash flow requirements such as contingencies, education or vacation goals. Manek financial helps you to not only enhance your loan eligibility by guiding you about the proper documentations but also through budgeting strategies so that the loan does not lead you to compromise of other cash flow requirements.

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DEBT RESTRUCTURING

Excess debt come with lots or stress, worry & anxiety. When the debt become too burdensome, we look for paths to reducing and even resetting that debt. Management of the liabilities in order to reduce the debt efficiently is an important & essential part of personal finance. Debt consolidation & debt re-structuring are two very widely used tools to curb the debt load. Debt consolidation is a process to re-finance or turn multiple smaller loans with higher interests to a single loan with comparative lower rates. Whereas the debt restructuring allows debtor and creditor to negotiate & agreed upon an amount that can be paid off. We at Manek help will help you with proper debt management that leads you a stress-free life.

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Estate Planning

Estate comprised of everything you own such as real Estate, Jewellery, Financial assets (Shares, Bonds, FD’s MF). Almost everyone has estate. Some may have the large estate and others modest, but the fact is everyone has an estate to pass it to the love ones as nobody can carry it, when he/she die. The question is how to plan the same in order to distribute it to the love once. That requires proper planning so that one can have control on who all can receive the estate, what are the things they are going to receive and when do you want them to receive the same. That is called Estate Planning- to make a plan in advance stating that whom you want to receive whatever you own after you die. Estate planning is not only for the elderly, retired or wealthy persons, it is for everyone who wants to pass the inheritance to the next generation. Estate Planning may include the Instructions for passing the estate you own, instructions for your care in case of any disability, Transfer of your business etc. It is a very essential part of financial planning. If you died without a proper, you’re your assets will be distributed according to the probate laws of the state and not as per your choice.

Estate planning also help us to organise our records, correct titles and beneficiary designations. An estate plan can begin with WILL OR TRUST. Properly prepared plan will give you and your family peace of mind. We at Manek can help you to prepare that plan so that you can pass on your inheritance to your love once the way you want them to receive it.