Optima Financial Solutions

Wishes you a Life of

Abundance

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Optima Financial Solutions Pvt
Ltd
Formation: Optima Financial Solutions
was formed as a Pvt Ltd company in
the year 2007.

Objective: The primary objective of the

company is to provide fee based
financial planning solutions to budding
HNIs and HNI.
.
The Promoters
A P VASUDEVAN – A Certified Financial Planner with 18 years of
vast experience in the field of financial services. Held senior
portfolios in HDFC bank and ICICI Direct. Has successfully
rolled out various start-up projects for HDFC and ICICI. Has a
flair for servicing people and is highly ambitious. Is a great
trainer and a good Financial Planner.

M L SRINIVASAN – a practising chartered accountant with a

decade of post qualification experience. Has indepth knowledge
in taxation and an expert in direct taxes.

SRI VISHNU - An engineer from Anna University, Vishnu as the

Product Manager at ICICI Securities was involved in
establishing its channel broking model in Tamil Nadu and
Kerala. A natural inclination and passion for personal finance,
Vishnu helps people to achieve their financial goals.
Mission statement
 To empower clients in the area of personal finances, to
nurture a strong, sustained relationship and to be the
most preferred player by providing, personalised, need
based, unbiased, comprehensive financial planning
solutions to help them achieve their life time objectives
and live a life of abundance.
.
What Optima Financials can do for you

 Optimize your resources and provide

unbiased, personalized solutions
 Put you in control of your financial situation
 Time your needs and help you plan for your
children education/marriage, retirement
 Insure your interest and protect your income
and assets.
 Maximize your wealth
 Achieve total financial peace of mind.
 Financial Planning
You may have come across the term “Financial Planning” and
wondered what it means?
You may have decided to start your own financial plan but are
not sure how?
Or you may feel it’s time you went to a financial planner for some
professional advice.
Whatever your situation is, the following information will help you
decide what’s right for your.
Introducing “Financial Planning” the:

 Why
 What
 How
Financial Planning – Why….
 Congratulations. You have traveled this long and become a success in your respective
field. You are ambitious and want to provide more for your family and their security. You
might have thought about Financial Planning and wondered if you need professional
advice, answer the following questions to check :

 Do you have financial goals? If so, are they in writing and do they include deadlines?
 Is your debt under control? Are you servicing high cost debts?
 Do you feel you are spending too much and saving less?
 Have you reviewed your investment portfolio recently? Are you comfortable with the level
of risk associated with your current investments?
 Are you satisfied with the rate of return that your investments are generating?
 Have you started a retirement fund yet? If so, will your current rate of savings provide
adequate funds to meet your future retirement needs?
 Have you reviewed your tax situation recently to see if there are ways to reduce your tax
liability?
 Have you started a savings program to meet the cost requirements of your children's
college education/marriage? If so, will your current savings rate be adequate given the
effects of inflation and rising tuition costs?
 Have you reviewed your life insurance coverage recently? In the event of an untimely
death, will your current policies provide adequately for your spouse and/or children?
 Effect of Inflation

What you would

pay for                

Rate of Inflation 10% Period in Years

Product Current cost 5 10 15 20 25 30 35

Masal Dosa 15 22 35 57 92 148 238 383

Servant Maid 500 732 1,179 1,899 3,058 4,925 7,932 12,774

Household 30,000 43,923 70,738 113,925 183,477 295,492 475,893 766,430

Son's Education 500,000 732,050 1,178,974 1,898,749 3,057,955

Daughter's Marriage 1,000,000 1,464,100 2,357,948 3,797,498 6,115,909 9,849,733

Is your money working smart enough?

Real Return  

   

Amount Invested 1000

Rate of interest 12%

Time Period 1 year

Interest Received 120

Inflation Rate 8%

Amount Lost on Inflation 80

Interest after Inflation 40

Effective Rate 4%
Financial Planning - What
Financial Planning is the process of meeting your life goals with proper
management of your finances. Life goals may include

 Buying your dream home

 Saving for your child’s education/marriage
 Planning for your retirement nest.
 Estate planning

You may think of the process as helping you to answer three straightforward
questions:
 
   Where am I?
   Where do I want to go?
   How do I get there?
Financial Planning - What
 Financial planning does not begin at investing, but instead at reviewing your overall
financial profile.You need to address the following issues before rushing to build an
investment portfolio.

 Put your financial profile in order

• Insure your health, life and assets
• Repay high-cost loans
• Set aside money for emergencies
• Draw up a savings plan

• Prepare to Invest
• Understand your risk profile
• Identify your financial goals
• Plan your asset allocation

 Start Investing – Right Now

 Use the power of compounding
 Make your investments to match your liquidity needs.
Financial Planning - How
 Financial Planning consists of the following six steps:

 Establishing and defining the client-planner relationship.

 Gathering client data, including goals.
 Analyzing and evaluating your financial status.
 Developing and presenting financial planning recommendations
and/or alternatives.
 Implementing the financial planning recommendations.
 Monitoring the financial planning recommendations.
What Financial Planning can do to you?

 Organise your finances  Improve investment

 Improve your cash flow performance
 Lower personal income  Lower investment risk
taxes  Reduce insurance cost
 Plan for retirement
 Plan for children
education and marriage
Optima Financial Solutions the value proposition

 Services Offered  Products Offered

 Comprehensive financial planning  Mutual Fund schemes from all leading
(with tax and estate planning) AMCs.
 Children Education/Marriage savings  Life/General Insurance products from
planning all leading players
 Retirement planning  Direct Equity Investments & IPO
 Asset allocation and portfolio  Bonds and Postal savings
balancing  Real estate investments.
 Life Insurance need analysis
 Critical care/health care planning
 Periodical review
 Free home delivery
 Investment educational seminars for
the grown-up
 F(u)nancial games for the kids.
We don’t plan to fail, but fail to
plan.
Begin with the end in mind…
Appreciate your time & attention.
For a Free Evaluation:
Contact: 9840710643
Mail:vasu@optimasolutions.in

Author of this presentation is a passionate Financial Planner with 16 years of

diversified experience in the field of Financial Services.
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CHECK OUT YOUR FINANCIAL FUTURE

 Are you keen to check your Financial

Future!!!!
 It is so easy.
 Contact Vasu @ 9840710643
 Mail to vasu@optimasolutions.in for a free 30
minute evaluation.