Mr. Pankaaj Maalde
Certified Financial planner (CFP)
10, Uma Deep, S. L. Road, Mulund (West)
Mumbai -400 080.
Maharashtra - India.
Mobile: +91 98200 75015
Email address: pankaajmaalde@gmail.com
Profile of Financial Planner
Mr. Pankaaj Maalde is a CERTIFIED
FINANCIAL PLANNERCM by Profession.
He is working as Financial Planner and is making Comprehensive Financial Plans
for the Clients. He holds Bachelor Degree in Commerce and Law. He is also IRDAI
and AMFI Certified.
He has over 12 years
of rich experience in the field of Financial Services with special expertise in
Life Insurance, Mutual Fund and Loans. He keeps update of all Investment and
Insurance Plans and compares them and suggests suitable plan to clients as per
their needs. He is also actively involved in research and analysis of other
Financial Products available in the market such as Postal Schemes, Banks &
Corporate Deposits, PPF, ETFs and National Pension Scheme.
Prior to starting
Financial Planning Firm, he has also worked as a Branch Manager for two
leading Pvt. Life Insurance Companies Bajaj Allianz Life Insurance & HDFC
Standard Life Insurance.
He has also worked as a
Financial Planner with Sykes & Ray Financial Planners, Colaba, Mumbai. He has also written
many articles on personal finance and are appeared in moneycontrol.com,
myiris.com, valuenotes.com, Mumbai Mirror, Tribune, Business Bhaskar, Janma
Bhoomi, Vyapar, SRE research (quarterly magazine of SRE equity), Panjo
Pratibimb ( KDO Jain magazine).
His views are also
published in ET wealth, Business Standard,India Infoline, Financial Chronicle
and India Today Woman. His financial plans are also published regularly
in Economic Times (ET) Wealth.
He
has also appeared in ABP News and Zee Business and has answered viewers query
on personal finance. He is also conducting workshops on personal finance for
spreading financial literacy among the people.
Financial Planning
Financial Planning can be described as “ Long Term Process of
wisely managing your finances so that you can achieve your Goals & Dreams.” There’s an old saying that “failure to plan, is a plan
to failure”. Without a financial plan, it’s like starting on a journey without
knowing your destination.
Personal financial planning is a process - an
organized, well-planned course of action for strategically managing your
finances to achieve your life goals.
Objective is to accurately assess your financial
needs and provide quality recommendations and ongoing services in accordance
with those needs.
Major Goals of Life:
* Buying a Dream House
* Home Renovation
* Providing for
Children’s Education
* Providing for
Children’s Marriage
* Annual Vacation /
Tour abroad
* Buying Vehicle
* Buying Holiday Home/
Farm House
* Comfortable
Retirement
# Corpus for starting New
Business
# Gifting &
Charity
Services..!
The emphasis is on creating a roadmap for your finances and tracing
your financial goals step by step.
We as a Certified Financial Planners can surely help you chart
out your life plan with the following scope of services:
* Comprehensive
Financial Planning
* Investment Planning
* Insurance Planning
* Retirement Planning
* Tax Planning
* Estate Planning
Going through the process of Financial Planning together, we can
chart out your life plan and convert your dreams into realities. We can help
turn your promises into realities with the right advice to build your assets;
protect your assets; and sustain your lifestyle for you, for those you love…
and for the generations to come.
Role of a Financial Planner..!
A CERTIFIED FINANCIAL
PLANNERCM in
the true sense of the word is “An individual who is Qualified, Certified and
Licensed” to give unbiased Financial Planning advice, free of conflict of
interest.
They take care of all finance related matters just
the way a doctor takes care of all health related matters. Hence, also known as
a financial doctor, a CERTIFIED FINANCIAL PLANNERCM would
be the answer to all your finance related issues. With their expertise they
have the competence to provide personalized and customized advice.
They
maintain a fiduciary relationship with their clients; the prime objective being
financial security of their client.
They follow a set ground rules of ethical standards and are
governed by a neutral body – Financial Planning Standards Boards India (FPSB
India).
It is also a mandatory requirement to have ‘Continuous Education’
and to be updated with the changes of the finance industry throughout the
lifetime of practice as a Certified Financial Planner.
With a CFPCM on your side, you can expect
to..!
* Organize your
finances
* Lower investment risk
* Improve cash flow
* Reduce insurance
costs
* Lower personal
income taxes
# Plan for retirement
& estate
► Plan for children’s
education / marriage expenses
* Provide clarity and
purpose towards fulfilling lifestyle goals
Financial planning not only takes care of all of the above, more
importantly it gives you a “peace of mind”.
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