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Frequently Asked Questions (FAQs) In this section we try and answer many of the questions that our clients have raised and help  clarify many of the common queries you may have about our services. If some query that you have is not listed here, please may email at admin@sunshinefinancials.com or call me direct at +91-98455-99145 . Q. In what ways are you different from other advisors? Sunshine Financials brings a fresh perspective to the wealth management business as it is practiced currently. You can be rest assured that our advice will always remain in the clients best interest. Our fees are transparent and clearly outlined in advance. We will provide you with Independent Financial Planning and Investment Advisory services which will deliver value and help you to meet your financial goals. Q. Why choose Sunshine Financials? We are a growing organisation that prides itself on offering a genuine, professional service – see what our Clients say about us. As only one of around 1000+ Investment advisors in the Bangalore, we work hard to offer high quality, independent advice that is specific to you and your aspirations. Q. How safe is my money? Sunshine Financials does not hold client money with us. Your investment portfolio will be held by recognized organizations that are regulated by SEBI. Sunshine Financials only offers you an independent Advisory service. As a client, you will be investing directly in the respective investment companies (recommended by us) that will manage your money. Q. How do I know it is a good time to invest in the stock market? There are bound to be peaks and troughs in the stock market, and research has shown that nobody achieves long term success by trying to time their investments. Strategic Asset allocation has an overwhelming influence on the variation in investment returns which is why Sunshine Financials concentrates on this aspect creating enhanced index tracking portfolios with better risk adjusted returns. Q. Do you have minimum client criteria? All our clients pay us an Annual Advisory Fee. Hence, we do not have a set minimum client criteria for handling your account. However we feel that you will benefit more from our expert financial planning advice, if you have an annual household income of at least Rs.15.00 lacs.  But we will still be happy to help if you do not meet this right away. Q. I have a mixture of several investments – can you unravel it all for me and help me plan for my future. As an intrinsic part of your financial plan, we will look in detail at your existing investments, insurance policies and tax situation. We will highlight the strengths of your current situation, and where we would recommend change. Q. Do you guarantee any returns on my portfolio with you? No. We do not guarantee any fixed return on your portfolio. However we will work with you to understand how much risk you can and are willing to take, and then define the portfolio mix in such a way that it will maximize your risk-adjusted returns. Q. What kind of periodic communications can I expect from Sunshine? Sunshine Financials will provide you with regular update and timely reports on your portfolio. Our clients also have 24/7 access to their portfolio online through our website. We also have informative and educative in-house research reports which you will receive through email. You will also be kept up-to-date on any news that has a significant impact on your portfolio. Our innovative ‘Sunshine Blog’ service will help you understand and be informed about the general financial world around you. Q. I have a friend who also requires your services. Does Sunshine offer any benefits for me if I refer him to you? Sunshine Financials will be pleased to get your reference into the Sunshine family. We have a policy to offer a 10% discount on the base fee for each referred person who becomes a registered client of our services. This discount will be provided to you when your next renewal comes up. Q. I am very concerned about the confidentiality of my personal information. What does Sunshine Financials do to keep my data secure? Sunshine Financials takes the confidentiality of our clients’ information very seriously. We will mostly only use your data in-house for our advisory purposes – however sometimes, your data may also need to be shared with our vendors to provide you with better services. We will also back up your information on encrypted online data services so that we do not loose out on your critical information at any time.   To get a fresh perspective on honest financial advisory services, call us at +91 98455 99145 for a free appointment.