INVESTMENT AND ADVISORY SERVICES :-
Investment and advisory services firms provide expert, personalized guidance to help individuals and organizations manage their finances, make informed investment decisions, and achieve their long-term financial goals. These firms operate with a fiduciary duty, meaning they are legally and ethically obligated to act in the best interests of their clients, prioritizing the client’s needs over their own.
- This involves a holistic analysis of a client’s entire financial situation, including budgeting, tax strategies, debt management, retirement planning, and estate planning, to create a comprehensive, long-term financial roadmap.
- The firm manages a client’s investments (e.g., stocks, bonds, mutual funds, real estate) on an on going basis. This includes creating a diversified portfolio, making buy/sell decisions (sometimes with discretionary authority), and regularly monitoring and rebalancing the portfolio based on market conditions and client goals.
- This specifically involves providing personal recommendations on suitable investment products and strategies based on the client’s risk tolerance, time horizon, and financial objectives. The client typically retains final decision-making authority.
- Advisors assess potential financial risks (market volatility, unforeseen events) and recommend strategies, such as appropriate insurance coverage and diversification, to mitigate them and protect the client’s assets.
- Advisors help structure investments and financial decisions to minimize tax liabilities and maximize after-tax returns, ensuring compliance with relevant tax laws.
- For corporate clients, firms may offer services related to capital raising, initial public offerings (IPOs), mergers and acquisitions (M&A), and business restructuring.
They guide people on where to invest money safely and profitably.
It includes: Financial planning , Business investment guidance , Real estate investment advice , analysis.