Manju S. Tumkur, CFP Certified Financial Planner

I am in responsible charge to help deliver our company's Purpose, Mission, Vision & Goals. This is to strive to facilitate an overall financial wellbeing of our clients through sound Financial Planning processes in a knowledgeable & professional manner. Financial Planning is a 6-step process of determining whether & how an individual can meet life goals through the proper management of financial resources in an objective, integrated, comprehensive & holistic manner through the development of a sound and viable written plan. Establish & define Client-Financial Planner relationship,
2. Gather client data (including goals),
3. Analyze & evaluate client’s current financial status,
4. Developing & presenting Financial Planning recommendations & alternates;
5. Implementing Financial Planning recommendations &
6. Reviewing, Revising & Monitoring your Financial Plan. We do not give verbal advice and over the internet. We continually learn about global geopolitical situation, economy, commerce, interest rates, PPP, imports, exports, commodities, foreign exchange et cetera; at a micro level the Indian constitution, laws, regulations, guideline and what have you. We are ignorant about you. Like hospitals and doctors, we have a protocol to follow. The protocol is in the form of a strict adherence to Code of Ethics; Rules of Professional Conduct and 6-Step Financial Planning Process. We do not give incidental advice on say your Tax Planning or your Kids Education/Marriage or your Retirement. Financial Planning addresses your life financial goals through proper & continual management of your current resources. This is similar to planning for a holiday such as the date of departure, budget, mode of transportation, places to take breaks, resting places, places to visit, places to eat and refresh, date and time of arrival et cetera. Imagine doing all this without having to have a plan!