Annual Advisory Comprehensive Engagement:

If one is looking at regular handholding and reviews besides implementation support, then this plan is for you. The following would be the key features:

1. Giving expert opinion on your entire personal finances along with regular access to our advisory desk throughout the year.
2. One to Four comprehensive reviews (based on the portfolio size and fees) in a year on your entire personal finances covering your financial goals and financial portfolio. The above reviews might be internal or/and external with due communication to the client.
3. Interaction with the advisory desk any time, for resolving any financial query.
4. All Indian Regulated investment, liability and insurance products would be  covered for our advise.
5. Regular communication on investment opportunities and rebalancing strategies.
6. Market timing support in case of large volatility in financial markets (based on the portfolio size and fees).
7. Tax filing support including advance tax notifications and reconciliation of tax statements would be covered. Any fees for filing IT returns or any tax guidance beyond the financial portfolio would have to be borne by the client.

Annual Advisory Lite Engagement:

If one is looking at regular handholding and reviews without implementation support, then this plan is for you. The following would be the key features:

1. All points under annual advisory comprehensive engagement other than point number 5, 6 & 7
2. No execution and reporting support. Clients need to manage this on their own.
3. Clients need to get their portfolio report in our format during the financial review exercise.

One Time Advisory Engagement:

If someone likes to manage their wealth themselves (Do It Yourself)/have other Advisors/Brokers but would like to revalidate their strategy then this plan is for you. The following would be the key features:

Under this, clients can engage with us for specific assignments/ projects and benefit from our expertise. The following would be the key features:

1. 1. The billing will be for a particular assignment Post the completion of an assignment, future queries would be billed separately
   2. Clients can get queries resolved around a financial plan, retirement plan, financial /insurance products, taxation or a particular strategy.
   3. The billing would be based on the time/expertise required to complete the
   4. Clients can engage with us from one hour to maximum 30
   5. Clients looking at hourly engagement would not be given documented advice. All queries and advice would be answered during the interactions itself.
   6. Clients looking at project-based engagement would be given a documented advice and can come back and forth up to 30 days.
   7. No implementation support would be However, introduction to low-cost platforms/ products would be done.
   8. Clients have an option to transition from this one-time engagement model to our Annual Advisory Engagement model, if need be, based on the quotes This can also give an idea of our process- based approach to our prospective client before choosing our annual option. Clients who transition within 1 month can net off the fees already paid with the annual advisory engagement fees.
   9. It could be noted that we would not be getting in touch with our One-Time Advisory Engagement clients for portfolio rebalancing, market timing opportunities and any important communications.

Implementation Support:
1. This is Complementary with Annual Advisory Comprehensive Engagement. Other engagement options will not be eligible for implementation support.
2. We would provide online portfolio reporting & execution tool, to give access to your entire portfolio and your personal finances. This will come handy so that all your financial data is in one place.
3. We would implement some part of the financial transactions (stocks, mutual funds, ETFs, REIT’s, bonds etc.) in coordination with various entities, if required by you.
4. We would execute/suggest the above transactions in direct options/low-cost options to reduce the implications of costs. No revenue would occur to us while executing these transactions.
5. Regular reconciliation of your portfolio if the execution were carried out from our execution desk.
6. Capital gains statement for filing IT Returns at the end of the financial year and /or to pay advance tax, if any.
7. It would be beneficial for the client to implement the financial transactions through our implementation support for the ease and convenience.
8. Updating of KYC documents, correction in name mismatches, AADHAAR and PAN updating/linking etc would be the sole responsibility of the client. We would only support the same based on client co-operation.

Important Note:
1. A quote will be given before the start of engagement term on the above options. All fees need to be paid based on the schedules specified.
2. Fees are the only remuneration for these Engagements and hence, there would be no conflict of interest.
3. Data shared during the interactions would be completely confidential and used for professional purposes only.
4. All interactions would happen through in-person or electronic medium i.e., emails, phone calls, Google meet, WhatsApp, BOTIM, Zoom etc,
5. We would be responsible for the advice and recommendations given only during the currency of the advisory engagements. Many of the advice given might be time bound in nature.
6. Our Engagement Options and our Fee Structure can change on a future date with due communication to existing clients. Any such changes would always be on a prospective basis.
7. All regulatory documentation and compliance as per SEBI Investment Adviser guidelines have to be completed before engaging with us.

Disclaimers:
1. The information is only for consumption by the client and such material should not be redistributed.

2. Investment in the securities market is subject to market risks. Read all the related documents carefully before investing.
3. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

We believe that you would have got a better idea about our engagement options. Do refer “Our Fee Structure” to know the fee structure of our various engagement option.
In case, you are still not able to choose the most appropriate option or have any further queries then feel free to contact us at 9740457582/9845557582 or assistant@naveenrego.com.

Naveen Julian Rego
MD &Principal Officer

25th September, 2024