Additional Services

Hassan AliFounder - Siptiger

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Your life has a plan. Your finances should too.

At Siptiger, we believe financial planning is not a one-time event — it is a living, evolving process that grows with you. As an independent financial advisor with over 16 years of experience, we build comprehensive financial plans rooted in your current reality and future aspirations, not in product commissions.
Our process begins with a complete financial snapshot — understanding your income, expenses, assets, liabilities, insurance coverage, and tax position. From here, we construct a holistic plan that integrates all dimensions of your financial life into a coherent, actionable roadmap.

EXPLORE SOLUTION

Clarity in Every Financial DecisionWhat Our Financial Planning Covers

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Portfolio Analysis & Review

Holding existing investments across multiple mutual funds, stocks, insurance policies, or bank FDs? Our portfolio analysis service provides a clear, objective assessment of what you hold — identifying redundancy, concentration risk, underperformers, and tax drag. We deliver a written report with specific exit and entry recommendations, aligned to your goals and risk profile.

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Asset Allocation & Rebalancing

Markets move. Your asset allocation drifts. A portfolio that started at 70:30 equity-to-debt may become 85:15 after a bull run — exposing you to far more risk than you signed up for. Our periodic rebalancing service ensures your portfolio stays aligned to your target allocation, systematically booking profits and reinvesting into underweighted asset classes.

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Cash Flow Management

Income and expenses are the raw material of wealth creation. We help you build a structured monthly budget framework that maximises investable surplus, eliminates lifestyle inflation, and creates clear savings habits. Our cash flow planning also covers loan prepayment strategies, insurance premium optimisation, and annual bonus deployment.

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Corporate & Employee Services

We partner with corporates to deliver financial wellness programs for their employees — because financially secure employees are more productive and loyal employees. Our corporate services include group financial planning workshops, salary structuring advice for tax optimisation, employee SIP programs, and Gratuity Fund management advisory. We help companies create genuine, lasting value for their workforce.

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Retirement Planning

Retirement planning is arguably the most consequential financial decision of your life. We use longevity-adjusted retirement calculators to determine the exact corpus you need, factoring in post-retirement inflation, healthcare costs, and lifestyle aspirations. We then build a phased accumulation strategy — and a carefully structured SWP-based decumulation plan for the retirement phase — so your money never runs out before you do.

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Insurance Planning

Insurance is the foundation of any financial plan — yet it is also the most misunderstood. We conduct a comprehensive review of your life, health, and critical illness coverage needs using the Human Life Value (HLV) method and Income Replacement approach. We advise on pure-term life insurance, standalone health covers, and top-up policies — always prioritising genuine protection over investment-cum-insurance products that underdeliver on both.