Private wealth management is an investment advisory practice that incorporates financial planning, portfolio management and other aggregated financial services for individuals, as opposed to corporations, trusts, funds or other institutional investors. From the client's perspective, private wealth management is the practice of solving or enhancing his or her financial situation and achieving short-, medium- and long-term financial goals with the help of a financial adviser.

Who Needs Private Wealth Managers?
Many private individuals of means lack the time, effort or knowledge to manage their finances successfully. To make up for what may be lacking, they seek the consultation of wealth managers who specialize in managing the finances of private, often high-net-worth individuals (HNI). HNIs have unique financial situations that require greater diligence and a higher degree of active management. Further, HNIs require a more holistic approach to investment management than many financial advisers are capable of providing. HNWIs can have issues with income taxes, estate planning, investment management and other legal issues that need more attention and specific expertise than traditional

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The Comprehensive Financial Planning services analyses your financial health thoroughly and plans your investments goals through a road map for the future. It secures all financial needs like children’s education, children’s marriage, retirement, and re-structures loans and tax optimization.

The steps taken are detailed out below: -

• Financial prescription – Thorough analysis of your financial profile and risk appetite is done to chalk out short term and long term goals.
• Financial Process: A logical six-step procedure is followed to create your financial plan.
• Thorough analysis of current cash flows and future projections are made based on the strategy recommended in the plan.
• Goal Driven Investing - Help you set long term milestones including retirement, earmarking your current portfolio to each of the milestones according to priority, development of a comprehensive investment strategy to achieve the milestones.
• Risk Management & Insurance Planning - Analyzing the current insurance situation on life and non-life front and recommending specific products if there is a need to increase cover

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The winds of life blow on us all; sometimes those are good winds, and sometimes they bring trouble. Insurance is first and foremost a tool of protection, and provides the base of protection that every successful financial plan requires. Our clients tell us their insurance plan is one of the main factors that allow them to sleep at night, knowing their loved ones and their wealth are well-protected.

We help you understand the complexities of your current policies and evaluate whether you and your family are adequately protected, ensuring that you have suitable levels and types of coverage in place.

We have several ways that we help our clients assess their level of risk. We then customize a plan to meet their needs, both personal and business. Generally, your insurance plan is made up of four main areas.

• Protection Planning: Protecting your family and loved ones from financial hardship. Designed to replace lost income upon death or disability, and protect existing assets.
• Living Benefits: Providing supplemental funds for retirement or long term care. Designed to take advantage of the tax code, thereby making funds available for future use.
• Wealth Transfer Planning: Protecting your current wealth, and maximizing your multi-generational plan. Designed to provide cash to pay estate taxes, equalize inheritances among heirs, and leverage wealth through gifting.
• Business Planning: Providing solutions to keep a closely held business viable during times of death or disability. Designed to replace lost income upon death or disability, to provide funds for sale/purchase of the business, to retain key employees, and provide collateral for business loans.

To know more, please write to us at info@veracityinvestment.com