individual financial planning
Our Services
Torch Fintech has offers a comprehensive services for the individual customers in the four major segments like Investment Advisory, Tax Planning, Credit Advice and Insurance Planning
Investment Advisory
Building wealth and securing your financial future requires smart investment choices. Our experienced team of investment advisors is dedicated to helping you navigate the complex world of investing. We offer a wide array of investment options, ranging from stocks and bonds to mutual funds and retirement plans. With a focus on risk management and long-term growth, we assist you in creating a customized investment portfolio that aligns with your objectives and risk tolerance.
Tax Planning
Navigating the intricacies of tax laws can be overwhelming, but our tax planning experts are here to simplify the process for you. We work diligently to identify tax-saving opportunities and create effective strategies to optimize your tax liabilities. Whether you are an individual or a business owner, our goal is to maximize your after-tax income while ensuring compliance with the latest tax regulations.
Loan Advice
Whether you are looking to fund your dream home, start a business, or consolidate existing debts, our loan experts are here to guide you through every step of the borrowing process. We offer a diverse range of loans, from home mortgages to personal loans, all tailored to suit your specific needs and financial situation. At Torch Fintech, we believe that obtaining a loan should be hassle-free, so we ensure a smooth and quick application process, with competitive interest rates and flexible repayment options.
Insurance Planning
Protecting what matters most to you and your loved ones is paramount. Our insurance specialists provide a wide range of insurance solutions, including life insurance, health insurance, property insurance, and more. By understanding your unique needs and concerns, we tailor insurance packages that offer comprehensive coverage and financial security during unforeseen events.
Investment Planning provides direction and meaning to your financial decisions. It allows to understand how each financial decision we made affects other areas of our finances. For example, buying a particular investment product might help you pay off the mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, you can consider its short and long-term effects on our life goals. We can also adapt more easily to life changes and feel more secure that our goals are on track.
Tax Planning
It starts with tax saving which can increase the take home income. These investments can also cater to a few of your needs. Tax saving is not restricted only to tax savings investments under Section 80C. There are several other components e.g. HRA, Home Loans, LTA, Sec 80D, Re-imbursements, etc to reduce the taxable income.
Credit Advice
We advice in before planning to take any loan. A loan should only be taken after a thorough assessment of your requirements and already existing loan/repayment commitments. It is important to understand that while a loan will help you pay for your short-term goals, it will be an additional payment for the next few months/years that you will have to do without fail. Hence, it is imperative to ensure that you will be able to make the monthly payments within your monthly income.
Insurance Planning
There are many reasons why people of all generations avoid purchasing insurance. It‘s often seen as a big investment, but that doesn’t necessarily mean that it’s an expensive one. In fact, insurance probably costs less than you think. Insurance provides essential financial protection for your future, so now’s the time to start “adulting” and take that first step.
