●         Financial liquidity

refers to the degree of ease with which any asset or investment can be readily converted into cash, either to spend or to invest. It also determines how easily you can sell an asset

and at what price, should the need to do so arise. All asset classes have varying degrees of liquidity.

Why is liquidity important to financial planning?

It is vital to factor in liquidity while planning your investments to ensure that your current needs do not disturb your long-term investment goals.

Following are some of the reasons why liquidity is essential for financial planning:

1. Provides provisions for cash reserves

Irrespective of the amount you invest in non-liquid assets, it is advised to keep a small

amount aside for emergencies. The ideal amount for such reserves may vary from person to person based on their short-term needs.

2. A balance for liquid and non-liquid securities

Ideally, liquid assets such as mutual funds, stocks, bonds, and other alternative investment allocations should be based on your age. For instance, if you are 25-years old, you should allocate a reasonable corpus to liquid funds and the remaining to non-liquid assets.

The financial process of estimating the capital required and determining its composition.It is the process of framing financial policies in relation to procurement,investment and

administration of funds of an enterprise.

So ,the Financial Planning Services that we offer means financial or investment advice given as part of a Financial Plan, including advice relating to risk management, investments, estate planning, retirement planning, and taxes; or Investment Management Services provided pursuant to an Investment Management Contract.

We can create a full financial plan that covers all of your goals and requirements, no matter how complex your financial situation is. All of the advice we give will be tailored to your individual circumstances and priorities, from achieving your retirement goals to managing an inheritance tax bill, while taking into account your complete financial situation. Our

financial planning objectives

1. Determining capital requirements .This will depend upon factors like cost of current and fixed assets, promotional expenses and long-range planning. Capital requirements have to be looked at with both aspects: short-term and long term
2. Determining capital structure: The capital structure is the composition of capital. 3. Framing financial policies with regards to cash control, lending, borrowings, etc 4. A finance manager ensures that the scarce financial resources are maximally utilized

in the best possible manner at least cost in order to get maximum returns on investment.

Finally, the procedure of our financial planning is to

• determine current financial situation
• develop financial goals
• identify alternative courses of action
• evaluate alternatives
• create and implement a financial action plan
• reevaluate and revise plan

To truly understand bespoke in finance, the meaning of bespoke must become clear to you. Typically, bespoke refers to something that someone custom-makes or tailors for a specific person or animal. The word originally meant, “to arrange or order in advance.” And the bespoke items could be clothing, shoes, furniture, etc. So, as long as an item is unique and meant just for you, it falls under the bespoke category.

Therefore, in the financial world, a bespoke portfolio is an investment portfolio that has been designed to specifically fit your financial needs, desires, values, motivations and goals, no matter how unusual they are. However, a bespoke portfolio may also cover bespoke securities, which are customized financial instruments that investors choose for themselves or investment portfolio managers choose for their clients based on their unique requirements.

Our Bespoke Portfolio Service is an investment portfolio service tailored around your

clients’ specific investment requirements. Our team of experienced investment professionals takes the time to build a bespoke portfolio that is fully aligned to your clients’ aims, attitudes to risk and preferred investment styles. More specifically it is a portfolio service that is tailored to your investment objectives, circumstances and values. We understand your Personal circumstances, objectives, knowledge, experience and attitude to risk are taken as our starting point for building a bespoke investment strategy that is as individual as each client. Each client’s investment manager gets to the heart of what your client wants to achieve. We establish our client’s appetite for risk and capacity for loss. After carefully examining our client’s assets we will consider every investment option, balancing potential risks with returns.

Strategic asset allocation is a portfolio strategy whereby the investor sets target allocations for various asset classes and rebalances the portfolio periodically. The target allocations are based on factors such as the investor’s risk tolerance, time horizon, and investment objectives.Strategic asset allocation is an investing strategy. It aligns the makeup of your portfolio after your personal tolerance for risk. There are many models to meet your needs, whether they are more ambitious or more conservative. In practice, strategic asset allocation can help you figure out how much of your money should be invested in broad categories of investments, such as stocks or bonds, along with smaller sub-categories. If there is a main selling feature of strategic asset allocation it is to help you work steadily toward a financial goal over a long span of time and to avoid making emotional short-term decisions based on current market events.

How to Get a Strategic Asset Allocation

Following these steps with our professional advice you can create a portfolio that suits your investor profile.

Determine Your Risk Tolerance

This is the amount of volatility you are willing to tolerate. If you can remain calm when the market is falling, you can be more aggressive by putting more money into stocks. Consider Your Time Horizon

How long do you plan to hold on to your investments? If you don’t think you’ll need the

money for a long time, you can afford to be more aggressive. In general, the longer your time horizon, the less upset you should be by the high volatility that comes with a more aggressive allocation.

Know Your Objectives

Is your goal to achieve capital growth, fixed income, or a mix of the two? Growth generally requires a more aggressive investment allocation, while income calls for a more conservative approach.

Determine Your Allocation

Asset classes include cash, bonds, or stocks. Look at the long-term expected returns and risk level of each asset class when deciding on the target percentage for each class. Stocks

are the riskiest, bonds are less risky, and cash is the least risky. The higher the risk, the greater the potential for both growth and loss.

Break Down Each Asset Class

Stocks, for example, can be broken down into large-cap, small-cap, U.S., international, and emerging markets, to name a few sub-categories.

Develop a Plan

Assign a target percentage allocation for each underlying category.

Because the market condition changes ,the optimal strategic asset allocation for a client evolves as the outlook for asset classes alters over time. Rather than being a one-off exercise, asset allocation strategy should be reviewed on a rolling basis, with action being taken at the appropriate interval. Investors need to distinguish between strategic and tactical asset allocations decisions, leaving the tactics to their appointed managers.

Finally, the procedure of our financial planning is to

• determine current financial situation
• develop financial goals
• identify alternative courses of action
• evaluate alternatives
• create and implement a financial action plan
• reevaluate and revise plan