WEALTH MANAGEMENT at each phase of your Life

Savings Stage

20s & 30s AIM TO START EARLY, AND INVEST IN YOUR DREAMS. GRIND NOW. SHINE LATER.

Financial Planning

Cash flow planning to know the role of regular savings to achieve your dreams & life goals

Tax Planning

Basic income tax planning starategies

Goal Planning

Near term planning for higher education, marriage, first car, owned house

Investment Planning

Initiating investment journey through equity SIPs

Insurance Planning

Adequate term insurance and health insurance

Portfolio Planning

Pragmatic and long term approach to wealth creation with mutual funds

Milestone planning

Long term wealth creation strategies

Estate Planning

Ensuring proper nominations in place

Wealth Accumulation Stage

40s AIM TO BECOME SO FINANCIALLY SECURE THAT YOU FORGET IT’S PAY DAY.
Financial Planning Cash flow assessment to increase contribution to Investments
Tax Planning Advanced Income tax planning starategies
Goal Planning Strategies for building/buying dream home and Children's higher education
Investment Planning High performance equity portfolio with some element of debt
Insurance Planning Insurance review for entire family and childern
Portfolio Planning Structured approach to wealth accumulation with mutual funds as well as other products.
Milestone planning Strategies for second source of Income and planned retirement
Estate Planning Understanding wills and trusts
Pre-Retirement Stage

50s RETIREMENT IS A JOURNEY, NOT A DESTINATION. SO, PLAN IT WELL.
Financial Planning Cash flow assessment to cut all unplanned expenses and increase maximum savings
Tax Planning Overall tax planning strategies
Goal Planning Allocation for children's marriage
Investment Planning Debt- equity management
Insurance Planning Reviewing coverage and beneficiaries
Portfolio Planning Transition to retirement strategies
Milestone planning Enough retirement corpus for golden years
Estate Planning Getting wills and trusts made
Post-Retirement Stage

60s A TIME TO ENJOY ALL THE THINGS YOU NEVER HAD TIME TO DO WHEN YOU WORKED.
Financial Planning Cost of living review along with annual earnings and portfolio returns
Tax Planning Long-term capital gains, wealth-tax, proprerty-tax strategies
Goal Planning Allocation for children's marriage and gifting
Investment Planning Debt oriented portfolio management
Insurance Planning Reviewing coverage and beneficiaries
Portfolio Planning Wealth protection strategies
Milestone planning Strategies for splendid golden years post retirement
Estate Planning Complete estate planning
Wealth Distribution Stage

70s & 80s IT’S NOT THE YEARS IN YOUR LIFE THAT COUNTS, IT’S THE LIFE IN YOUR YEARS.
Financial Planning Review of investment portfolio level returns
Tax Planning Capital gains and wealth tax strategies
Goal Planning Allocation for Philanthrophy
Investment Planning Asset allocation for next generation
Insurance Planning Review of all beneficiaries and paper work
Portfolio Planning Consolidation of all assets in open ended investments
Milestone planning Wealth creation strategies for next generation along with enough liquidity for splendid times
Estate Planning Reviewing and updating wills

WHY you need us

TWELVE INVESTMENT
BEHAVIORAL BIASES


It is unusual for investors to perceive on their own, a constant tug of war between their cognitive thinking and emotional response. Often, the emotional response wins because of an inherent human behavioral bias. It is important to ensure that cognitive thinking is not suppressed by emotional response especially for investments-related financial matters as investment assets grow only with right decisions and discipline.

 
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FOUR UNETHICAL
PRACTICES


There are no financial products that can guarantee performance and/or returns but industry emphasizes on these aspects more than what client needs, as the approach is to sell (or mis-sell ) and not advise.


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FIVE PORTFOLIO
DISORDERS


Investor’s behavioral biases and industry’s unethical practices lead to portfolio disorders. These disorders lead to creation of sub-optimal portfolio. This in turn limits the portfolio's performance. Investor does'nt realize the impact in the short term, but in the long term, this leads to investor dissonance when investor understands the massive difference between the wealth created by his/her portfolio and what could have been created, had portfolio been an optimal. This is what differentiates wealthy and prosperous investors from intelligent investors. Your portfolio is also victim to one or all of these portfolio disorders and these are the reasons for its under-performance.

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ADVICE SENSE


When it comes to investment related money matters, the human mind becomes fearful and worrisome on one hand, greedy and over-confident on the other hand. The industry and your advisor often exploit this oscillation of human mind and sell you one product after another in line with your changing state of mind. This results in your portfolio adding riskier investments when markets are expensive and risk-averse investments when equity markets are under-valued. Advice Sense brings in the power of responsiveness, analytical approach, competent techniques and advisory philosophy is based on these principles and five values . We ensure that our clients take right decisions with right discipline

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THREE THINGS we do really well

WHAT makes us different



YOU AND Advice Sense

We believe that great returns are generated when right investments are made and not just the right purchases. So, we are driven by a core motive of assisting you in taking the right investment decisions. This makes us focus specifically on 'You', and Operate in such a transparent manner that unbiased advisory takes the front seat; while selling of product(s) takes a back seat...



MESSAGE FOR YOU


Hello,

It is easy to socialize and sell which is what most advisors do. It is equally difficult to maintain insight and integrity which is what we strive for.

HEWEPRO CONSULTANTS PVT. LTD.

Client Testimonials

  • Refreshing departure from the stereotypical pattern

    SB, Gurgaon

    I have never had a satisfactory experience in the past with financial advisors from big institutions . Their emphasis was to off-load products attractive to their interests even though they were not conducive to the client’s portfolio. Advice Sense Wealth Management provides a refreshing departure from the stereotypical pattern. They study your needs and jointly develop a portfolio to meet your long-term aspirations. The products are well researched, service is provided for the transactions to happen in the e-mode. Their website provides comprehensive information not only on the portfolio status, but of dividends, short and long-term gains, tax implications and history of transactions. This is the kind of service I have been looking for – expert advice and service available all the time without having to worry about timelines . It is nice to have one place to come to, without being intimidated by relationship managers from larger institutions. This is what financial advisors should be.
  • Class Apart

    RJK, Landour

    We have worked with largest MNC bank, Indian private bank. Advice Sense Wealth Management is class apart; truly client-focused. Team of people with amazing integrity and values. They have sound understanding of the advisory industry, products, and are going to create a special market for themselves as there is a huge need for honest, ethical and sound investment advisory.
  • Discipline and Integrity

    RKA, Delhi

    Disciplined approach with solid integrity focused on Wealth Management and responsible advisory.
  • Rare Combination of Intent, Knowledge and Discipline

    SP, Delhi

    The intent of an advisor matters the most. After having dealt with banks and other distributors for years, I find Advice Sense Wealth Management different and a rare combination of right intent, advisory know-how, and disciplined approach to investing. All this along with consolidation of my investments at one place and flat fee model adds immense value to my investment portfolio. I happily recommend their service.
  • Just the Right kind of Advisory

    SK, Gurgaon

    What makes me recommend Advice Sense Wealth Management is that now I have access to all on my financial investments across products at one glance. Sensible investments, unbiased product selection, flawless technology, customized hand-holding. All this for a fair fee that is not correlated to portfolio value is just the right kind of advisory model that I was looking for.
  • Cost Advantage

    YM, Delhi

    I have been investing in mutual funds through a bank, and then when I discovered cost advantage of direct investing, I started dealing with online platforms that provide direct mutual funds. I also dealt with asset management companies directly. But, in all experiences, I saw huge gaps and/or conflict of interests. While banks were always keen to just sell a product for commission, online platforms were not capable to understand my risk preferences, and were not actively involved to review portfolio level performance. They were claiming artificial intelligence, but actually were lacking even in common sense! AMCs have a limitation of bias towards their own products. Advice Sense Wealth Management addressed all these issue. They provided flat fee, no product bias, advise objectively basis client risk and product risk adjusted performance. Their approach is right and is the way to go for this industry. I have recommended this to my colleagues and will happily recommend to all.
  • Perceptive and Right

    LM, Delhi

    They have everything in place. Years of experience, disciplined approach to investing, Robust technology platform, Amazing reporting system. All this for a few lacs on my portfolio is what I was looking for. I recommend Advice Sense Wealth Management to all investors looking for perceptive and right investment advisory.
  • Responsive, Sensible and Focused

    AR, Gurgaon

    If you want to know anything about investing, Advice Sense is the way to go. Flat fees, responsive staff, direct investments, online tracking, one click transactions and sensible advice make this an easy decision. I can clearly see the difference between their advice and the biased advice I get from banks and other distributors. I’m very happy with their service. I can focus on my work because I know they are focused on theirs.