Integrated Financial Planning and Wealth Management   Ram is a happy man today with no worries about anything in life-present or future. While Ram's family gets ready for a holiday at Maldives, let me introduce you to Ram. Two years back, Ram was like all of us, with lots of anxieties over his future, perplexed over inflation and depreciation. But since he was a go-getter, he was determined to provide the best for him and his family. Ram dreams of sending his 3 year old son Abhi to Harvard for an MBA degree and also plans to have a lavish festive wedding for his 6 months old daugher Diya (20 years later). Today Ram scoffs at all his worries and enjoys his life with fullest zeal. How did this magic happen? Did he come across any treasure suddenly or had he hit the jackpot somewhere? How did Ram make things happen? What really happened? Ram, being a prudent investor, believed in proper Financial Planning. He took up to the task of planning for all his future needs, considering inflation and time value of money. Yes! Dear investors, proper Financial Planning can take you to great heights when done at an early age and will combat inflation, price level increases and erosion of purchasing power parity. Now lets see how this magic really happens... Financial Planning can ensure that one is equipped to deal with the impact of inflation, especially in phases like retirement when expenses continue but income streams dry up. The second factor is changing lifestyles. With higher disposable incomes, it is common for individuals to upgrade their standard of living. Finally, there are contingencies like medical emergencies or unplanned expenditures that an individual might have to cope with. Sound Financial Planning can enable him to easily mitigate such situations, without straining his finances. Management of Finance is an important aspect of our life. One can manage their finances through proper Financial Planning and investment solutions. Financial Planning deals with planning future needs with limited resources whereas the Wealth Management is about managing the surplus of a high net worth investor.       Total Financial Happiness Know More about demat services