Email : cs@azadoline.com

Contact : (Delhi) +91 124 652 2923+91 124 652 2923 / (Mumbai) +91 22 6060 2923+91 22 6060 2923

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How the Azad Money Management Programme works

Money is an entirely personal matter. That’s why it’s important to get to know you first, and then your finances. This approach is the foundation which paves the road for your journey towards financial freedom. All through this journey, we are with you every step of the way - coaching and advising you on what works best for you. We create a unique, personalised plan that suits your individual needs, financial circumstances and life aspirations. Getting you to your ultimate destination – financial freedom – is our only motivation.

Understand

Understand

As a starting point, we first engage with you to understand what your life choices would be, if your expenses and financial liabilities are taken care of, and you are not constrained by money. Having understood what your larger life goals are, we help you transform each one of them to a financial goal, by ascribing a financial value and setting timelines for every one of them. This is where you eventually want to reach.

In addition, we also do the following:
  • Conduct an analysis of your current financial situation vis-a-vis the life-stage you are at
  • Develop a balance sheet of your finances with all the information gathered from you
  • Draw out an action plan to first correct the loopholes in your current finances
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Plan

Plan

After a thorough analysis of your finances and an understanding of your goals and needs, we develop a plan that is custom-made to help you achieve your life goals. The money management plan is structured across 3 levels:

In addition, we also do the following:
  • Cover existing risks, plan for unexpected events & expenditure and build financial security
  • Plan for future expenses across various life stages
  • Create a financial portfolio outline in line with your risk profile that will deliver returns commensurate to your financial goals.
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Execute

Execute

A key aspect of the Azad Programme is to track goals and the progress achieved against each of these goals. That is why we say, we walk the journey with you and guide, coach and even change course, where necessary, to help you progress from one goal to another. We cover the following in this phase -

In addition, we also do the following:
  • Putting the Plan into Action – Documentation, Setting up Accounts, Enrolments… we get everything done – big or small
  • Goal-tracking and progress review – Any good Plan needs close monitoring, we do it every quarter for you, at a goal level.
  • Course correction - adjusting your financial goals and plan if your personal or market circumstances have undergone a change
  • Re-balancing portfolio regularly in line with market movements
  • Annual review – What is the increase in your personal networth? What is your MSME (Money Saved Money Earned) score?
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The Azad Money Management Programme - Benefits at a glance
  • Financial freedom solution – we go beyond simply providing a financial plan
  • Custom-made & comprehensive – your financial freedom plan is provided by a certified financial planner
  • Fixed annual fees – you pay the same amount that you sign up for, all through.
  • Freedom from product bias - Azad is not associated with any financial institution, broker or research agency
  • No commissions earned – no conflict of interest, unbiased advice
  • Goal-level planning and tracking – Quarterly review of progress at a goal level
  • Active fine-tuning of Plan - to align with change in personal and market circumstances
  • Wide range of asset classes and products – across debt, equity, insurance etc.; aligned to your goals
  • In-house research team –we do our own research and do not rely on 3rd party reports
  • Extensive analyses, deep insights – benefit from our vast experience and expertise
  • Debt-retirement as much as wealth-building - wider, more comprehensive coverage
  • Online dashboard – provides a quick snapshot of your finances
  • Annual review –showcasing personal networth increase and money saved + money earned during the year
  • More +
  • Wide range of asset classes and products – across debt, equity, insurance etc.; aligned to your goals
  • In-house research team –we do our own research and do not rely on 3rd party reports
  • Extensive analyses, deep insights – benefit from our vast experience and expertise
  • Debt-retirement as much as wealth-building - wider, more comprehensive coverage
  • Online dashboard – provides a quick snapshot of your finances
  • Annual review –showcasing personal networth increase and money saved + money earned during the year
Azad Services
Azad Essential
  • 360 degree assessment
  • Goals Planning
  • Customised Azad plan
  • Azad Coach – quarterly reviews, course correction/plan refresh
  • Online Dashboard – to track your progress against plan

Annual Fee, No Commissions.

Rs.33,075 + Tax as applicable.
Azad Plus
  • 360 degree assessment
  • Goals Planning
  • Customised Azad plan
  • Senior and dedicated Azad Coach – quarterly reviews, course correction/plan refresh
  • Online Dashboard – to track your progress against plan
    • Home delivery and pick up service for documents, cheques, etc. help with filling up documents and submission.
    • Paperwork & submission - direct investments in MFs
    • Paperwork & submission - KYC/ address/ contact updation
    • Paperwork & submission - existing portfolio realignment
    • Bank related- updating passbooks, KYC
    • Paperwork - opening NPS, PPF, Sukanya Samriddhi etc accounts will be taken care of
    • CIBIL score - improvement in the score
    • Income Tax filing - through CA, free of cost
    • Will writing
    • Meetings at your convenient location- instead of AZAD office

    More +Less -

Annual Fee, No Commissions.

Rs.46,305 + Tax as applicable.