Financial Advisory Services

The key to achieve life’s goals is with a sound financial plan. At Merlot Financial Advisory Services, understanding the ins and outs of its clients’ financial needs and profile is of primary importance, which is achieved by a systematic process. Here’s a glimpse of what is covers:

  • Examining present financial situation

    • Do you have a clear picture of your goals and dreams?
    • Have you written out your financial goals?
    • Are you comfortable with your present financial situation?
    • Are you keeping track of your cash flow?
    • Are you managing your cash flow for liquidity, long term returns or safety?
    • What are your current investments?
  • Wealth accumulation goals

    • What are your wealth accumulation goals?
      • Better lifestyle / comforts for you and your family
      • Buying a home or taking a vacation
      • Starting / expanding your business
      • Other family related goals
    • How do your current investments support your accumulation goals?
    • What are the milestones at which you need the money?
    • What has been your approach to:
      • Risk tolerance
      • Assets like equities
      • Market volatility
      • Diversification
  • Financial protection needs

    • How might unforeseen events impact your family’s goals?
    • Have you provided for your dependants?
    • Are you prepared for unforeseen expenses due to:
      • Illness
      • Accident
      • Disability
    • What has been your approach to:
      • Life insurance
      • Home insurance
      • Health Insurance
    • Tax management
      • How do you manage your taxes?
      • Do you understand how current tax laws apply to you?
      • Are you eligible for specific tax deduction?
      • Have you taken advantage of all provisions under Income Tax Act?
    • Estate planning
      • Have you decided upon a plan for your assets after you are gone?
      • Have you written out your will or created a trust?
      • What purpose do you want your legacy to serve?
        • Supporting your family
        • Supporting a charity
        • Supporting your community
      • Will your current plan let you achieve these goals?

Merlot Financial Advisory Services offers a complete range of solutions that complement its advisory services. The range includes a combination of best of breed proprietary and nonproprietary (third party) products. The approach is to recommend its clients product solutions within their overall asset allocation in an unbiased manner after evaluating all the options available in the market.

RANGE OF SOLUTIONS

MUTUAL FUNDS FIXED INCOME PORTFOLIO MANAGEMENT SERVICES
Equity Bonds Discretionary
Debt Debentures Non Discretionary
Money Market
RISK MANAGEMENT ALTERNATIVE INVESTMENTS WEALTH SOLUTIONS
Life Insurance Real Estate Tax Planning
General Insurance Art Advisory Estate Planning
Structured Products Trust Services

A new home, education, retirement or just plain wealth creation and management are what make financial goals. Merlot Financial Advisory Services provides direction and meaning to its clients’ goals through a 3-step process to create the right financial plan.

Step One: Financial Health Diagnostics

This step consists of making a customised financial plan for an individual client to achieve outcomes like:

  • Client risk profiling
  • Financial goals analysis
  • Cash flow and net worth analysis
  • Current vis-à-vis suggested asset allocation comparison
  • Cash flow projections
  • Estate planning and risk management

Step Two: Portfolio Consultation

This is a step where recommendations are given, post a detailed review of the existing portfolio to achieve outcomes like:

  • Sectoral and stock level analysis on equity portfolio
  • Debt portfolio analysis
  • Proprietary rating analysis on existing mutual funds in the portfolio
  • Goal based recommendation of asset allocation
  • Recommending insurance plans as per insurance needs

Step Three: Implementation and Monitoring

This step essentially involves construction of recommended investment portfolio. The portfolio is continuously tracked to keep a check on recommended asset allocation for a client. Rebalancing of portfolios, where there is deviation from recommended allocation is achieved through system driven alerts and triggers. Tactical (short term) and strategic (long term) calls are taken on client portfolio through active portfolio management.

Merlot Financial Advisory Services provide a comprehensive financial plan and investment solution set. Merlot Financial Advisory Services is specially designed for its clients who want to start a relationship on a productised basis, and then scale it up to a level where they avail of wealth advisory services as well.

Based on the clients’ needs, a particular product is thoroughly reviewed to check its investment suitability, and then recommended to clients. Merlot Financial Advisory Services also provides periodical updates / recommendations to its clients on their Mutual Fund portfolio, which is achieved through active portfolio tracking.

ASK Wealth Advisors offers a complete range of solutions that complement our advisory services. The range includes a combination of best of breed proprietary and nonproprietary (third party) products. The approach is to recommend its clients product solutions within their overall asset allocation in an unbiased manner after evaluating all the options available in the market.

Range of Solutions

MUTUAL FUNDS FIXED INCOME PORTFOLIO MANAGEMENT SERVICES
Equity Bonds Discretionary
Debt Debentures Non Discretionary
Money Market
RISK MANAGEMENT ALTERNATIVE INVESTMENTS WEALTH SOLUTIONS
Life Insurance Real Estate Tax Planning
General Insurance Art Advisory Estate Planning
Structured Products Trust Services
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Wealth Planning & Investment Mgmt. Trust & Estate
Equity & Debt Drafting Will
Structured Products Creation & administration of trusts
Daily Portfolio Review by Advisor Legal
Qtrly Review by ASK WA Inv Comm. Insurance
Direct CEO oversight & interaction Insurance requirement analysis
Negotiation with ALL service providers Execution & servicing
Investment Banking & Private Equity Commodities
Real Estate Global Investments
Advisory Consolidated Reporting & Analysis
PMS Family Communication
Tax Yearly family meeting
Advisory Family members’ financial education
Tax Return filing & Administration Philanthropy Advisory
Advanced tax planning & structures Art Advisory
International Taxation
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