ABOUT US

Greetings to you!

It is a pleasure introducing Ladder 7 Financial Advisories, to you!   Here, we help individuals to secure their future, through proper financial planning & through other advisories. 




Is this needed ?

Today, many of us are in well paying jobs and have fast-track careers. We earn well, but do not have the time to manage the finances. Money earned is invested without much thought, based on  some friend’s advice or just lies in the bank.  Worse still, it is frittered away in frivolous spending. Most people don’t realise that income is not wealth.

What can you do ?

You would be interested in a secure & worry-free future, right?  Why not give it a chance…  then, why not  take stock of what you have done till now and decide as to where you want to go, from here… Then arrive at what is needed to achieve your goals.  In short - planning.  And then implementing and monitoring the progress.  If this feels like so much work, you have us!  Tame your dreams, with some professional help!

What do you get…

Financial Planning is our main offering. Financial Planning is a Holistic Service that looks into your life goals and puts in place a plan to achieve that.  There is no particular age group or station in life to look at Financial Planning.

This process mainly brings in the perspective and gives you a framework to systematically achieve your goals.  It also forces discipline that may not have been there and helps you to sharply focus on the goals and achieve them with help from the Financial Planner. Got the drift…? Don’t drift!

Hold your horses

Take charge. Earning well is not enough.  Hold the reins to your future, by taking control now.  You will probably need a professional for that to guide you properly – for Financial services space has a bewildering array of products and drawing a plan in all detail may require a Financial Planner. You could do it too. But then, like any professional, a Planner brings in a wealth of knowledge and experience, that could be deployed for you.  And save you a lot of time too…You need a jockey for your horse !

You can turn to us for help. You just focus on earning your money. We will ensure that it works for you.

::: Our Services

A. Comprehensive Financial Planning

Financial Planning lays a roadmap to systematically achieve the goals you may have, during your lifetime.

While creating the plan, the planner looks into your life goals, your current situation, committed expenses, Income / expense pattern, risk exposure, cash flows, future commitments etc. and suggests a plan of action with which you could comfortably sail through life, meeting all the goals set within the timeframe, in a planned manner.

In the plan, the planner would also suggest corrective steps in existing investments and loans, as required , unlock money locked-up in unproductive assets to help you, give advise / clarity on unwanted expenses, funding of assets, provide clarity about future requirements for children, retirement funding, provisioning for medical exigencies, providing a security blanket for the family, correct asset/ savings mix, tax planning … in short, everything that concerns you. The plan looks at cash adequacy, after meeting all goals, and works out all these till retirement and beyond ( till 85-90 years of your age!). The plan, ofcourse, needs to be revisited every year.

This process mainly brings in the perspective and gives you a framework to systematically achieve your goals. It also forces discipline in spending and saving, which helps you to cruise towards your goals, relentlessly.

B. Other Services

Insurance Advisory - Insurance is the safety net with which to protect your family. You probably have the most to lose in an Insurance policy if you had chosen it wrongly, as insurance contracts are long-term contracts. You may be led to choose the wrong kind of product, not informed about potentially useful riders, almost never informed who is the best and the most-cost effective, in the category. Rather insurance is pushed down the throat by pushy salesmen. That can change, if you engage our services. You may actually be able to get your overall insurance cost down! Get the right cover !

Retirement Planning - Retirement is a thought which could be stressful for many – for they are not sure if what they are saving is enough. Will they have a comfortable retirement ? How does one go about planning for it? These issues are comprehensively addressed and a clear plan addressing all the requirements during retirement and what investments need to be done for that, are laid out and implemented for you. Ensure your peaceful retirement.

Investment Advisories – Assistance in Investment is an area of interest to many. You can get the right advice and get a customized portfolio crafted, in line with the stated priorities and goals, risk-return expectations and time frame. You could choose from a range of services here, starting from basic to full-blown comprehensive services. Superior returns through Professional help!

Second Opinion Services - A second opinion service if you already have a plan in place and want a recheck whether you are on course. It is to cross check the existing plan and plug the gaps in the existing plan. The second check – to be sure!

Planning achieves where luck fails!   Call us for your “Success Planned”!

Suresh Sadagopan   MMS, CFPCM, PGDIM
Certified Financial PlannerCM