INVESTMENT & FINANCIAL ADVISORY & RELATED SERVICES   Wealth Creation & Preservation Diversifying into Investment Advisory & related services was a natural extension of our consultancy business. This division was started in 2003 to assist our existing clients with their tax planning & related investments. As part of this service we help people deal with various personal financial issues through proper planning, which includes but is not limited to cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning and business succession planning. In carrying out these functions we chalk out a detailed strategy tailored to a client's specific situation, for meeting their specific goals. As part of this division we also offer the following financial products. Investments Mutual Funds’ Units,  Government Bonds & other Government Savings Instruments,  Tax Saving Bonds,  Capital Gains Bonds,  Monthly Income Schemes   Insurance - Life & Non life (General) Insurance -  Through PSU’s & the Private Sector   Life Insurance Plans    :    Whole Life policies,  Endowment policies,  Money Back policies,  Unit Linked Plans,  Term plans,  Joint Life plans,  Pension plans,  Children’s plans, Single Premium policies.   General Insurance Policies  :   Medical Insurance policies,  Personal Accident policies,  Shopkeepers’ policies,   Travel Insurance,  Overseas Medical insurance, Householders’ policies,  Housing Society policies,   Motor Vehicle policies, etc