Build Your Wealth with Smart Investing.

<h4 style="margin-top: 0in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal"><span style="font-weight: normal;">We work best with individuals who:</span></p><p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal"><span style="text-indent: -0.25in; font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></span><span style="font-weight: 400;">Have a genuine interest in enhancing their financial knowledge and making informed decisions.&nbsp;</span></p></h4><h4 style="margin-top: 0in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;"><span "="">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></span></span><span style="font-weight: 400;">Are prepared to take responsibility for their financial well-being and remain committed to long-term&nbsp;</span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: 400;">&nbsp; &nbsp; &nbsp; &nbsp;</span><span style="font-weight: 400; text-indent: -24px;">progress.&nbsp;</span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;"><span "="">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></span></span><span style="font-weight: 400; text-indent: -24px;">Recognize that discipline, patience and consistency are essential to sustainable wealth creation.&nbsp;</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;"><span "="">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></span></span><span style="font-weight: 400; text-indent: -24px;">Can maintain perspective, staying focused on long-term objectives rather than short-term market&nbsp;</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: 400; text-indent: -24px;">&nbsp; &nbsp; &nbsp; &nbsp;</span><span style="font-weight: 400; text-indent: -24px;">fluctuations or media noise.</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: 400; text-indent: -24px;"><br></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span serif";"="" style="font-weight: 400; text-indent: 0px; font-size: 11.5pt; line-height: 17.6333px;">If you appreciate&nbsp;</span><span "="" style="font-weight: 400; text-indent: 0px;">clarity over hype and thoughtful guidance over quick fixes, you’ll find that our approach&nbsp;</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span "="" style="font-weight: 400; text-indent: 0px;">aligns well with your financial aspirations.</span><span style="font-weight: 400; text-indent: -24px;"></span></p></h4>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px; text-indent: -0.25in;">We may not be the right fit for individuals who:</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Pursue short-term gains or speculative returns&nbsp;</span></b><span sans-serif";"="" style="font-size: 11.5pt;">instead of long-term wealth creation.<b><o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Continuously compare performance&nbsp;and chase higher returns&nbsp;</span></b><span sans-serif";"="" style="font-size: 11.5pt;">driven by emotion rather than strategy.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Monitor their portfolios excessively,&nbsp;</span></b><span sans-serif";"="" style="font-size: 11.5pt;">expecting rapid outcomes or immediate gratification.</span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;"><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-family: Symbol; font-size: 15.3333px; text-indent: -24px;">·</span><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: Symbol; text-indent: -24px;">&nbsp;</span><span style="font-size: 11.5pt; font-family: Symbol;"><b><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: Arial;">&nbsp; &nbsp; &nbsp; &nbsp;</span></b></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Rely primarily on public platforms&nbsp;</span></b><span sans-serif";"="" style="font-size: 11.5pt;">such as Google, Money control, or Value Research as a substitute for a structured, experience-led investment approach.</span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;"></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp;&nbsp;</span></span><span style="text-indent: -24px;"><span sans-serif";"="" style="font-size: 11.5pt;"><b>Focus predominantly on costs, without considering </b>the long-term value of disciplined guidance and professional oversight.</span></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">While we do not have a minimum investment requirement, we do have a&nbsp;<b>minimum philosophy requirement</b>—our approach is effective only when clients are willing to stay committed to the<b>&nbsp;</b>process and their long-term goals.</span></p>

<h4 style="margin-top: 0in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<span style="box-sizing: border-box"><span style="box-sizing: border-box"></span></span></h4><h4 style="margin-top:0in;line-height:normal;background:white">

<span style="box-sizing: border-box"><span style="box-sizing: border-box"></span></span></h4><h4 style="margin-top:0in;line-height:normal;background:white">

<span style="box-sizing: border-box"><span style="box-sizing: border-box"></span></span></h4><h4 style="margin-top: 0in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">We believe that strong, long-lasting relationships are built on clarity. For that reason, we are explicit about</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"=""><span style="text-indent: -24px;">what falls outside our approach:</span></span></p></h4><h4 style="margin-top: 0in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></span><span style="font-size: 15.3333px; text-indent: -24px;">We do not attempt to forecast short-term market movements</span><span style="text-indent: -24px;">—</span><span style="text-indent: -24px; font-weight: normal;">such predictions are neither reliable nor meaningful for long-term success.</span></p></h4><h4 style="margin-top: 0in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></span><span style="font-size: 15.3333px; text-indent: -24px;">We are not focused on quick, speculative gains</span><span style="text-indent: -24px;">—</span><span style="text-indent: -24px; font-weight: normal;">our commitment is to steady, sustainable wealth creation.</span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">We cannot deliver overnight results</span><span "="">—</span><span sans-serif";"="" style="font-size: 11.5pt;"><span style="font-weight: normal;">real financial progress requires discipline, patience, and time.</span><o:p></o:p></span></p></h4><h4 style="margin-top: 0in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"=""></span><o:p></o:p></p></h4><h4 style="margin-top: 0in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">We do not engage in active trading or frequent portfolio turnover</span><span "="">—</span><span sans-serif";"="" style="font-size: 11.5pt;"><span style="font-weight: normal;">unnecessary activity often detracts from long-term compounding.</span><o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">We refrain from action when it is not required</span><span "="">—</span><span sans-serif";"="" style="font-size: 11.5pt;"><span style="font-weight: normal;">in most situations, maintaining the course is the most prudent decision.</span><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">We avoid constant portfolio adjustments</span><span "="">—</span><span sans-serif";="" font-weight:="" normal;"="" style="font-size: 11.5pt; font-weight: normal;">a well-structured plan is designed to work with consistency, not continuous intervention.</span></p></h4>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">We
view ourselves as lifelong learners in the world of investing. Over the past 18
years of <o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">managing
our own portfolio, we have encountered mistakes, embraced humility, and&nbsp;<o:p></o:p></span><span style="font-size: 15.3333px; text-indent: -19.2px;">continued</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">to refine our understanding of markets. Errors are an inevitable part of the
process&nbsp;</span><span style="font-size: 15.3333px; text-indent: -19.2px;">but meaningful</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">progress comes from learning—and not repeating them.<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 4pt; font-family: Arial, " sans-serif";"="">&nbsp;</span><span style="font-size: 13.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 12pt; font-family: Arial, " sans-serif";"=""><b>Some of the most enduring lessons we have gained include:</b><o:p></o:p></span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Long-term ownership
remains our preferred strategy—<b>often
indefinitely.<o:p></o:p></b></span></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Wealth creation is a
steady and disciplined process and its simplicity<b> is what makes it&nbsp;<o:p></o:p></b></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">effective.</span></b></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Reduced portfolio
turnover typically leads<b> to more
consistent returns.&nbsp;</b></span><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: Symbol; text-indent: -24px;">&nbsp;</span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: Symbol; text-indent: -24px;"><span style="font-size: 15.3333px; text-indent: -24px;">·&nbsp; &nbsp; &nbsp;</span></span><span sans-serif";"="" style="text-indent: -0.25in; font-size: 11.5pt;">Investment returns differ from investor returns—</span><b style="text-indent: -24px; font-size: 11.5pt;">discipline and behaviour ultimately determine&nbsp;</b></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b style="text-indent: -24px; font-size: 11.5pt;">&nbsp; &nbsp; &nbsp; &nbsp; outcomes.</b><span style="font-size: 7pt; text-indent: -24px; font-family: Symbol;">&nbsp;</span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Individual fund
performance varies, <b>but overall
portfolio construction and balance matter far more.<o:p></o:p></b></span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; </span></span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Market corrections are a
normal and expected occurrence;<b> </b>over
time,<b> the broader trend<o:p></o:p></b></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

</p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;continues upward.<o:p></o:p></span></b></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Strong conviction, when
supported by <b>thoughtful analysis,
deserves meaningful allocation.<o:p></o:p></b></span></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">The full benefits of
compounding emerge only<b> </b>after years
of patience—<b>18 years in, we see this journey
as&nbsp; &nbsp;still in its early stages.</b></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><span style="text-indent: -24px; font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp; &nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 12pt; text-indent: -24px;">Most importantly, we follow the same principles we recommend—<b>we lead with practice, not just&nbsp; &nbsp;advice.</b></span><b></b></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Many
clients began their investment journey with strong intent, and their mutual
fund<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">portfolios
with us have generally performed well. However, only a limited number have
fully<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">adopted
our comprehensive, long-term investment philosophy. For many, the benefits
gained<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">through
disciplined mutual fund investing were diluted by decisions made in their
broader personal<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">portfolios—across
direct equities, real estate, gold, or fixed deposits—often due to limited<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">understanding
of compounding and inconsistent financial behaviour.<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 5pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">We
have always aimed to apply the same time-tested principles that have guided our
own family’s<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">investment
journey. Yet, in today’s environment, individuals are surrounded by an excess
of<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">informal
“advice” from friends, relatives, colleagues, WhatsApp groups, social media,
and financial<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">publications.
This constant noise frequently leads to hesitation, doubt, and deviation from a
well<o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">structured
plan.</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><br></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Sustainable wealth is built on <b>clarity, conviction and consistency.</b></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our approach is effective, but its success depends on <b>patience, trust and disciplined implementation</b></span><span style="font-size: 15.3333px;"><b>—</b>just&nbsp;</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.2in; line-height: normal;"><span style="font-size: 15.3333px;">as we have practiced within our own family for over&nbsp;</span><span style="font-size: 15.3333px; text-indent: -19.2px;">18 years.</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.2in; line-height: normal;"><br></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

<span ";="" mso-fareast-font-family:calibri;mso-fareast-theme-font:minor-latin;color:windowtext;="" "="" style="box-sizing: border-box"></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b style="text-indent: -19.2px; background-color: rgb(255, 255, 255);">We do not assist or manage investments in direct equities.</b></p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;
margin-left:.2in;margin-bottom:.0001pt;text-align:justify;text-indent:-.2in;
line-height:normal;background:white"><b style="text-indent: -19.2px;"><br></b></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px; text-indent: -19.2px;">Our investment philosophy are firmly rooted in long-term wealth creation through Mutual&nbsp;</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px; text-indent: -19.2px;">Funds and professionally managed portfolios. This disciplined, research-driven approach has produced&nbsp;</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="text-indent: -19.2px; font-size: 15.3333px;">consistent results for our clients over the long term&nbsp;</span><span style="font-size: 15.3333px; text-indent: -19.2px;">by remaining diversified, patient and focused on&nbsp;</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.2in; line-height: normal;"><span style="font-size: 15.3333px; text-indent: -19.2px;">strategic&nbsp;</span><span style="text-indent: -19.2px; font-size: 15.3333px;">asset allocation rather&nbsp;</span><span style="text-indent: -19.2px; font-size: 15.3333px;">than short-term market movements.</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.2in; line-height: normal;">&nbsp;&nbsp;</p><span ";="" mso-fareast-font-family:calibri;mso-fareast-theme-font:minor-latin;color:windowtext;="" "=""><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span ";="" mso-fareast-font-family:calibri;mso-fareast-theme-font:minor-latin;color:windowtext;="" "="" style="font-size: 11.5pt; text-indent: -0.2in;">We believe in maintaining a&nbsp;</span><span ";mso-fareast-font-family:calibri;="" "="" style="font-size: 11.5pt; text-indent: -0.2in;"><b>simple,
structured, and goal-oriented investment process</b></span><span ";mso-fareast-font-family:calibri;mso-fareast-theme-font:="" "="" style="font-size: 11.5pt; text-indent: -0.2in;"><b>, </b>rather than</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">













</p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">engaging in stock-specific
strategies or short-term trading ideas.</span><o:p></o:p></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="text-indent: -19.2px; font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><span ";mso-fareast-font-family:calibri;="" mso-fareast-theme-font:minor-latin;color:windowtext;font-weight:normal;="" "="">&nbsp;</span></span><span style="font-size: 5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; text-align: justify; text-indent: -0.2in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p></span>

<h3 style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">Investment
outcomes ultimately depend on&nbsp;your behaviour, discipline, and ability to
stay aligned&nbsp;<o:p></o:p></span><span style="font-weight: normal; font-size: 11.5pt; text-indent: -0.25in;">with the&nbsp;</span></h3><h3 style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-weight: normal; font-size: 11.5pt; text-indent: -0.25in;">long-term strategy.</span></h3><h3 style="margin-top: 0in; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;">While
we design each portfolio based on an individual’s risk–return profile, the
actual results vary according to how consistently the recommended plan is
followed.</span></h3>

<h3 style="margin-top: 0in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"="">&nbsp;</span></h3>

<h3 style="margin-top: 0in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"="">“People do not get what they want or what
they expect from the markets; they get what they deserve.”</span><span style="font-weight: normal; font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext;font-weight:normal"=""><o:p></o:p></span></h3>

<h3 style="margin-top: 0in; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 5pt; line-height: 115%; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">&nbsp;</span></h3>

<h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: normal; font-size: 11.5pt;" sans-serif";="" font-weight:="" normal;"="">Historically,
over periods of 10 years or more, many of our investors have achieved&nbsp;</span><span style="font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"="">annualized returns in the range of 10%–15%</span><span style="font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext;font-weight:normal"="">,</span><span style="font-size: 11.5pt;" sans-serif";="" font-weight:="" normal;"=""> <span style="font-weight: normal;">supported by disciplined and
goal-oriented investing.</span></span></h3><h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: normal; font-size: 11.5pt;" sans-serif";="" font-weight:="" normal;"="">That said,&nbsp;</span><span style="font-size: 11.5pt;" arial","sans-serif";="" mso-fareast-font-family:"times="" new="" roman";color:windowtext"="">past performance is
not indicative of future returns</span><span style="font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:"times="" new="" roman";="" color:windowtext;font-weight:normal"="">,</span><span style="font-size: 11.5pt;" sans-serif";="" font-weight:="" normal;"=""> <span style="font-weight: normal;">and no specific outcome can be guaranteed.<o:p></o:p></span></span></h3>

<h3 style="margin-top: 0in; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 5pt; line-height: 115%; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">&nbsp;</span></h3>

<h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: normal; font-size: 11.5pt;" sans-serif";="" font-weight:="" normal;"="">Our
emphasis remains on&nbsp;</span><span style="font-size: 11.5pt;" arial","sans-serif";="" mso-fareast-font-family:"times="" new="" roman";color:windowtext"="">long-term,
goal-based wealth creation</span><span style="font-size: 11.5pt;" arial","sans-serif";mso-fareast-font-family:"times="" new="" roman";color:windowtext;="" font-weight:normal"="">—</span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><span style="font-weight: normal;">not
on predicting short-term numbers, but on helping you stay committed to a
strategy that can deliver meaningful results over time.</span><o:p></o:p></span></h3>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Your investments are completely secure from a&nbsp;<b>process and platform</b>&nbsp;stand point.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We do&nbsp;<b>not</b>&nbsp;hold, handle, or receive your money at any stage. We never collect, pool, or deposit funds on your behalf.&nbsp; All investments are made&nbsp;<b>directly in your name</b>, and funds move solely between&nbsp;<b>your bank account and the BSE (Bombay Stock Exchange) Star MF Platform</b>—the largest, most trusted, and highly regulated transaction platform in India.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Every financial or non-financial transaction requires&nbsp;<b>your explicit authorization</b>, provided through email or mobile OTP. While we can initiate a transaction upon your request,&nbsp;<b>full control and final approval always remain with you</b>.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">It is important to note that your investments are exposed to&nbsp;<b>market risk</b>, meaning their value may fluctuate in the short term. However, mutual funds are&nbsp;<b>well-diversified and tightly regulated</b>, making the possibility of a complete loss extremely low.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">In our 18 years of experience, we have&nbsp;<b>not witnessed a single instance of fraud</b>.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">With robust oversight by&nbsp;<b>SEBI</b>&nbsp;and&nbsp;<b>AMFI</b>, mutual fund investing continues to be one of the safest and most transparent avenues in the Indian financial ecosystem.</span></p>

<h3 style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">No, A Demat Account is&nbsp;</span><span style="font-size:11.5pt;font-family:" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"=""><span ";="" "="">not
mandatory</span><span style="font-size: 11.5pt; font-weight: normal;">&nbsp;to
invest in mutual funds.</span><o:p></o:p></span><span ";="" color:="" windowtext;="" background-image:="" initial;="" background-position:="" background-size:="" background-repeat:="" background-attachment:="" background-origin:="" background-clip:="" font-weight:="" "=""><u1:p></u1:p></span></h3><h3 style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">

</h3><h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span ";color:windowtext;="" "=""><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><span style="font-weight: normal;">In most cases (over 95%), the
on boarding process is</span>&nbsp;</span></span><span arial","sans-serif";mso-fareast-font-family:"times="" new="" roman";="" color:windowtext"="" style="font-size: 11.5pt;"><span "="">entirely digital</span><span style="font-size: 11.5pt; font-weight: normal;">&nbsp;and is completed within&nbsp;</span></span><span arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"="" style="font-size: 11.5pt;"><span ";="" "="">1–5
working days</span><span style="font-size: 11.5pt; color: windowtext;">,</span><span style="font-size: 11.5pt; font-weight: normal;">
subject to your KYC status.</span></span></h3><h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size:11.5pt;font-family:" arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman";color:windowtext"=""><span style="font-size: 11.5pt; font-weight: normal;"><u1:p></u1:p></span><o:p></o:p></span></h3>

<p style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt;"><br></span></p><p style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt;">The process is straight forward:</span></p><h3 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><strong><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><u1:p></u1:p></span></strong><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><o:p></o:p></span></h3><p style="margin: 0in 0in 0.0001pt 13.5pt; text-indent: -13.5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family:" arial","sans-serif";="" mso-fareast-font-family:arial;color:windowtext;mso-bidi-font-weight:normal"="">1.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; </span></span><!--[endif]--><span style="font-family: Arial, " sans-serif";"="">Digital
Account Opening</span></b></p><h3 style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">We assist you in setting up
your investment account through a secure, fully online platform.</span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></h3><p style="margin: 0in 0in 0.0001pt 13.5pt; text-indent: -13.5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="mso-bidi-font-size:
11.5pt;font-family:" arial","sans-serif";mso-fareast-font-family:arial;="" color:windowtext"="">2.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;
</span></span><!--[endif]--></b><strong><span style="font-family: Arial, " sans-serif";"="">Nomination Authentication <o:p></o:p></span></strong></p><p style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-weight: normal;"><span style="font-family: Arial, " sans-serif";="" font-weight:="" normal;"="">Having
nomination is mandatory </span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"="">for Mutual Fund Investment Nominee Details must be&nbsp;</span><span style="font-size: 15.3333px;">authenticated by unit holder.</span></span></p><p style="margin: 0in 0in 0.0001pt 13.5pt; text-indent: -13.5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial, " sans-serif";="" color:="" windowtext;"="">3.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; </span></span><!--[endif]--><span style="font-family: Arial, " sans-serif";"="">Registration
of One-Time Bank Mandate (OTBM)</span></b></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">A mandate is established for your registered bank account to
facilitate seamless and automated transactions.</span><o:p></o:p><span "times="" new="" ";="" "=""><u1:p></u1:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 13.5pt; text-indent: -13.5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><b><span style="mso-bidi-font-size:11.5pt;
font-family:" arial","sans-serif";mso-fareast-font-family:arial"="">4.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; </span></span></b><!--[endif]--><strong><span style="font-family: Arial, " sans-serif";"="">Begin
Investing</span></strong><span style="font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Once the mandate is approved, you can start investing immediately.
Whether it is a lump-sum investment, an SIP, or redemption, every transaction
can be executed with ease.</span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-size: 5pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></b></p><p style="margin: 0in 0in 0.0001pt 13.5pt; text-indent: -13.5pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">



















</p><p style="margin: 0in 0in 0.0001pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">The
entire on boarding experience is designed to be&nbsp;<strong>efficient, secure, and completely
paperless</strong>, ensuring a smooth and hassle-free start to your
investment journey.</span><o:p></o:p></p><h3 style="margin: 0in 0in 0.0001pt 13.5pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></h3><p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:
justify;line-height:normal"><b><span style="font-size:12.0pt;font-family:" arial","sans-serif";="" mso-fareast-font-family:"times="" new="" roman";color:#0000cc"="">&nbsp;</span></b></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Our client persistence is exceptionally strong, and our intention is to support you throughout your financial journey. However, if you ever decide to discontinue our services, you are&nbsp;</span><span "="">completely free to do so</span><span ";="" font-weight:="" "="">—no approvals or permissions are required.</span><span ";="" font-size:="" 12pt;="" font-weight:="" "="">&nbsp;</span><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 4pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We do&nbsp;</span><span "="">not</span><span ";="" "="">&nbsp;hold or control your assets. All mutual fund investments are maintained&nbsp;</span><span "="">entirely in your name</span><span "="">, ensuring full ownership and autonomy at all times.</span><span ";="" font-size:="" "="">&nbsp;</span><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;"><span "="">You may choose to:</span><o:p></o:p><u1:p></u1:p></span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Transfer your portfolio to another distributor,<o:p></o:p></span></b></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Manage it independently, or<o:p></o:p></span></b></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Redeem your&nbsp;investments directly,</span><o:p></o:p></b></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 40.5pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -22.5pt; line-height: normal;"><span sans-serif";"="" style="font-size: 3pt;">&nbsp;</span><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span "=""><span sans-serif";"="" style="font-size: 11.5pt;">—all without any reliance on us.</span><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">As we generally avoid recommending products with lock-in periods, your portfolio is typically<b>&nbsp;</b></span><b><span arial","sans-serif";mso-fareast-font-family:="" "times="" new="" roman""="" style="font-size: 11.5pt;">fully liquid and always within your control</span></b><b><span sans-serif";"="" style="font-size: 11.5pt;">.</span><o:p></o:p></b></p><u1:p></u1:p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><b><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></b></p><p class="MsoNormal" style="text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;">Even in the unlikely event that we discontinue operations, your investments remain&nbsp;</span><strong style="font-size: 15.3333px;">completely safe</strong><span style="font-size: 15.3333px;">. They continue to be held with the respective Asset Management Companies (AMCs) and regulated by&nbsp;</span><strong style="font-size: 15.3333px;">SEBI</strong><span style="font-size: 15.3333px;">&nbsp;and&nbsp;</span><strong style="font-size: 15.3333px;">AMFI</strong><span style="font-size: 15.3333px;">. The status or continuity of any intermediary, including us, has&nbsp;</span><strong style="font-size: 15.3333px;">no impact</strong><span style="font-size: 15.3333px;">&nbsp;on the safety, ownership, or accessibility of your investments.</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.2in; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We are structured to provide focused, high-quality guidance rather than mass-market financial&nbsp;<o:p></o:p></span><span style="font-size: 15.3333px;">services.</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Unlike large institutions, we are not driven by sales targets, product quotas, or short&nbsp;<o:p></o:p></span><span sans-serif";="" font-size:="" 15.3333px;="" text-indent:="" -19.2px;"="">term commercial objectives.</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">Our only priority is your long-term financial well-being<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">Our approach is&nbsp;deeply personalized.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">We believe meaningful financial outcome can &nbsp;come only from someone who genuinely &nbsp;&nbsp;&nbsp;<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;understands your family, your goals, and your financial behaviour—not from a rotating team &nbsp;<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;or a sales-driven relationship manager.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.2in; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Because we work with a selective client base, we remain accountable to you over the years, offering continuity, consistency, and guidance aligned entirely with your interests. As we often say,&nbsp;<b>“Your journey is our journey—we rise and fall together.”</b></span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our value lies in&nbsp;helping you define your financial goals,
create a&nbsp;goal-based plan, and then back it up with the&nbsp;right asset
allocation.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">In our experience,&nbsp;<b>90% of your lifetime investment return</b>&nbsp;comes
from just three things:&nbsp;<b>goal clarity, asset allocation, and
diversification</b>—not fund selection or market timing.</span><span style="font-family: Arial, " sans-serif";="" font-size:="" 3pt;"="">&nbsp;</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">But more importantly, our&nbsp;<b>biggest value addition is
helping you avoid costly financial mistakes</b>—mistakes that can set you back
years.</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><br></span><span style="font-size: 11.5pt;">By guiding you with clarity and consistency, we aim to bring&nbsp;</span><b style="font-size: 11.5pt;">lasting
financial peace</b><span style="font-size: 11.5pt;">&nbsp;to you and your family.</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><br></span><span style="font-size: 3pt;">&nbsp;</span><span style="font-size: 11.5pt;">Let’s assume good help costs around&nbsp;0.75% per year&nbsp;of
your portfolio.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">If a high-quality personal finance professional helps you:</span><span style="font-size: 13.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Earn more than that over the long run,<o:p></o:p></span></b></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Avoid mistakes that could cost far more or<o:p></o:p></span></b></p>

<p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Simply save you time, stress, and decision
fatigue.</span></b><b><span style="font-size: 3pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></b></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Then that 0.75% is not a cost—it’s an investment.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">If someone can do&nbsp;all three—and we believe we can—then
it’s a&nbsp;<b>no-brainer.</b></span><span style="font-size: 13.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-size: 3pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></b><span style="font-size: 13.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Professional guidance comes at a price.</span></b><b><span style="font-size: 3pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></b></p>

<b><span style="font-size: 11.5pt; line-height: 115%; font-family: Arial, " sans-serif";"="">Without it, you may pay a
much bigger one.</span></b>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">If you are satisfied with the guidance and service provided by your current advisor or MFD, we strongly recommend that you continue with them. When an existing relationship is functioning well, there is no compelling reason to make a change.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">However, if you have concerns, feel underserved, or believe your expectations are not being met, we would be open to a preliminary discussion to understand your requirements in greater detail.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">From our experience, dissatisfaction typically arises from a lack of alignment, inconsistent communication, or unclear investment frameworks. Our objective is to ensure complete clarity so such issues do not recur.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We operate on a focused single MFD model to maintain consistency and accountability. A multi-advisor/MFD arrangement often results in overlapping strategies, conflicting recommendations, and diluted outcomes. For this reason, our approach may not be ideal for Ultra-HNI clients who prefer engaging multiple advisors simultaneously.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">If you appreciate&nbsp;<b>a disciplined process, transparent communication, and a long-term, goal-oriented investment philosophy</b>, we would be pleased to explore how we can add value to your financial journey.</span></p>

<p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our research framework is built on clarity,
discipline, and independent thinking—rather than reacting to short-term market
noise.</span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp;&nbsp;</span></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">We
focus on long-term drivers,</span></b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;analyzing
the broader economic and market context that truly influences wealth creation
over time.<o:p></o:p></span></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp;</span></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our
expertise lies in identifying suitable asset classes, themes, and factors,</span></b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;ensuring portfolios remain aligned with
long-term opportunities rather than short-lived trends.<o:p></o:p></span></p>

<p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">We take a measured, often contrarian
approaches,</span></b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;selectively
investing in areas that may be temporarily over looked but demonstrate strong
long-term potential.<o:p></o:p></span></p>

<p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; </span></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Continuous
learning is central to our process—</span></b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">through discussions with fund managers, collaboration with
industry professionals, internal research debates, and extensive reading.<o:p></o:p></span></p>

<p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp;</span></span><b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">We
intentionally avoid granular, day-to-day</span></b><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">&nbsp;<b>market</b>&nbsp;<b>analysis,&nbsp;</b>as&nbsp;it adds little value to strategic,
long-term decision-making.<o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 5pt; font-family: Arial, " sans-serif";"="">&nbsp;</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our goal is not to chase the market but
to stay thoughtfully ahead of it—guided by insight, consistency, and a
long-term perspective</span><span style="font-size:11.5pt;font-family:" arial","sans-serif";="" mso-fareast-font-family:"times="" new="" roman";color:red;mso-bidi-font-style:italic"="">.</span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Our approach is not centered on identifying the “best” fund at any given moment. In reality, fund selection contributes only a small fraction—around 5%—to long-term investment success.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;"><br>What truly drives meaningful outcomes is:<o:p></o:p></span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">A well-designed asset allocation</span></b><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;aligned with your goals, time horizon, and risk profile<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Disciplined rebalancing</span></b><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;to ensure your portfolio stays aligned with your plan<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Assessing performance&nbsp;at the portfolio level,</span></b><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;rather than fixating on individual funds<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Our objective is to help you build a disciplined, goal-based investment framework—not to pursue short-term winners that change from year to year.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We priorities consistency, structure, and long-term strategy—because that is what ultimately creates enduring wealth.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">You may proceed in one of the following ways:<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><b><span sans-serif";"="" style="font-size: 11.5pt;">1. Retain your existing direct Plan holdings</span></b><span sans-serif";"="" style="font-size: 11.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">You may continue to hold your current Direct Plan investments and initiate fresh investments through Regular Plans under our MFD framework. Kindly note that Direct Plan holdings will not reflect on our platform; therefore, we will not be able to track, review, or provide ongoing service support on those investments.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><b><span sans-serif";"="" style="font-size: 11.5pt;">2. Transition your portfolio to Regular Plans</span></b><span sans-serif";"="" style="font-size: 13.5pt;"><br></span><span sans-serif";"="" style="font-size: 11.5pt;">You may choose to redeem your Direct Plan units and reinvest the proceeds into Regular Plans.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">This approach allows us to manage and advise on your entire portfolio in a consolidated manner, ensuring consistency, enhanced coordination, and more comprehensive portfolio oversight.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span><span sans-serif";"="" style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><b><span sans-serif";"="" style="font-size: 11.5pt;">Important:</span></b><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;Redeeming Direct Plan investments may have capital gains tax implications. We strongly recommend consulting your tax advisor before making any switch.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">If you are currently invested in Regular Plans and are not satisfied with your existing Mutual Fund Distributor, you do&nbsp;<b>not</b>&nbsp;need to redeem or restructure your holdings.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">With your consent, we can transfer your existing folios under our&nbsp;<b>ARN</b>, enabling you to:<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;<o:p></o:p></span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">Maintain all your current investments without any changes.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">Have your portfolio seamlessly tracked and reviewed through our systems.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">Receive personalized, goal-based guidance and ongoing support from your MFD.<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Once your portfolio is visible on our dashboard, we can assist with consolidation, suitability reviews, and any refinements needed to strengthen your long-term investment strategy.</span></p>

<span style="font-size: 15.3333px; text-align: justify;">No, we do not place client investments in Direct Plans.</span>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">As an AMFI-registered Mutual Fund Distributor, we work exclusively with Regular Plans, where we are compensated through trail commissions from the respective mutual fund companies. This structure enables us to provide ongoing guidance, disciplined goal-based planning, and comprehensive long-term support—<b>without charging a separate advisory fee.<o:p></o:p></b></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Our role is to simplify your financial journey, ensure suitability of funds, and help you stay aligned with your long-term objectives.<o:p></o:p></span></p><p class="MsoNormal" style="margin: 0in 0in 0.0001pt 0.2in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">If you prefer to invest in Direct Plans, that typically involves a&nbsp;<b>self-managed approach</b>&nbsp;<b>or</b>&nbsp;<b>working with a SEBI-registered Investment Advisor (RIA)</b>&nbsp;who offers fee-based advisory services.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">In our experience,&nbsp;<b>frequent activity does not lead to better investment outcomes</b>. We do not believe in conducting monthly or quarterly reviews simply for the sake of routine. For most investors, a&nbsp;<b>comprehensive annual review</b>&nbsp;is both appropriate and effective.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal;"><b><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></b></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">You are encouraged to connect with us whenever:<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">You wish to invest additional funds<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><span sans-serif";"="" style="font-size: 11.5pt;">You need&nbsp;to withdraw or redeem money<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">There is a significant change in your personal, professional, or financial circumstances that may require adjustments to your plan.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">When it comes to market events, we will reach out&nbsp;<b>only when a meaningful action is warranted</b>—and those moments are purposefully infrequent.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; line-height: normal;"><span arial","sans-serif""="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; line-height: normal;"><span arial","sans-serif""="" style="font-size: 11.5pt;">As Warren Buffett aptly said:<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">“We don’t get paid for activity; we get paid for being right. As to how long we’ll wait, we’ll wait indefinitely.”</span><span sans-serif";"="" style="font-size: 11.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 5pt;">&nbsp;</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">Rest assured, whenever you need assistance, our team is prompt, accessible, and fully committed to supporting you throughout your financial journey.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">We manage your investments with the same prudence, conviction, and long-term discipline that guide our own family’s portfolio. Our philosophy is built on alignment, clarity, and a deep respect for the power of compounding.<b><o:p></o:p></b></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"><b><span sans-serif";"="" style="font-size: 11.5pt;">Our approach is defined by:<o:p></o:p></span></b></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">True Alignment of Interests</span></b><span sans-serif";"="" style="font-size: 11.5pt;"><br>We follow the same investment principles for our clients that we apply to our own wealth. Your success and ours move in the same direction.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Simplicity with Purpose</span></b><span sans-serif";"="" style="font-size: 11.5pt;"><br>We avoid complex or speculative products. Instead, we focus on high-quality, research-backed investment approach that have stood the test of time.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Long-Term, Principles-Driven Investing</span></b><span sans-serif";"="" style="font-size: 11.5pt;"><br>We remain committed to fundamentals—not trends or noise. Sustainable results come from consistency, not short-lived tactics.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Goal-Centric Portfolio Construction</span></b><span sans-serif";"="" style="font-size: 11.5pt;"><br>Our priority is helping you achieve your life goals, not chasing annual market out performance. Short-term comparisons often lead to long-term mistakes.<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: -0.25in; line-height: normal;"><span style="font-size: 11.5pt; font-family: Symbol;">·<span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span><b><span sans-serif";"="" style="font-size: 11.5pt;">Discipline and Patience as Core Virtues<br></span></b><span sans-serif";"="" style="font-size: 11.5pt;">These are the two most critical ingredients of wealth creation.&nbsp;Buy sensibly, stay invested, and let time work for you.<o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; line-height: normal;"></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: justify; line-height: normal;"><span sans-serif";"="" style="font-size: 11.5pt;">In summary, we&nbsp;practice what we advocate—a thoughtful, disciplined, and aligned investment approach—while partnering with you throughout the journey.</span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></span><span style="font-size: 15.3333px; text-indent: -24px;">What have clients across the different spectrums like self employed, salaried, professionals, retirees and&nbsp;</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px; text-indent: -24px;">&nbsp; &nbsp; &nbsp;&nbsp;</span><span style="font-size: 15.3333px; text-indent: -24px;">NRIs.</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: Symbol; font-size: 15.3333px; text-indent: -24px;">·</span><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: Symbol; text-indent: -24px;">&nbsp; &nbsp;</span><span times="" new="" roman";"="" style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; line-height: normal; font-family: Symbol; text-indent: -24px; font-size: 15.3333px;">&nbsp; &nbsp;</span><span style="font-size: 15.3333px; text-indent: -24px;">We believe that each and every client needs <b>equal attention.</b> We work best with those who value long-</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px; text-indent: -24px;">&nbsp; &nbsp; &nbsp;&nbsp;</span><span style="font-size: 15.3333px; text-indent: -24px;">term thinking, simplicity and staying the course.</span></p><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<span sans-serif";="" font-size:="" 11.5pt;"="" style="text-align: justify;">Getting started is simple! Contact us through the form below or call us directly. We will schedule a&nbsp;</span><b sans-serif";="" font-size:="" 11.5pt;"="" style="text-align: justify;">free consultation</b><span sans-serif";="" font-size:="" 11.5pt;"="" style="text-align: justify;">&nbsp;to understand your goals, assess your risk profile, and create a personalized investment plan for you.</span>

<h4><span style="font-size: 15.3333px; font-weight: 400; text-indent: -24px;">We provide suggestions to build a financial discipline designed to help you achieve your life's most meaningful aspirations.</span></h4><h4>

<p style="margin: 0in 0in 0.0001pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">Our services include:<o:p></o:p></span></p>

<p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";="" font-weight:="" normal;"="">
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><span style="font-weight: normal;">Recommending the right
Term &amp; Health Insurance coverage for you and your family.</span><o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><!--[endif]--><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><span style="font-weight: normal;">Helping
you invest in Mutual Funds aligned with your goals, risk profile, and return
expectations.&nbsp;</span></span></p><p class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">

<span style="box-sizing: border-box;font-variant-ligatures: normal;font-variant-caps: normal;
orphans: 2;text-align:start;widows: 2;-webkit-text-stroke-width: 0px;
text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;
word-spacing:0px"></span></span></p><span style="font-family: Symbol; font-size: 15.3333px; text-align: justify; text-indent: -24px;">·&nbsp; &nbsp; &nbsp;</span><span style="font-size: 15.3333px; font-weight: 400; text-align: justify; text-indent: -24px;">Assisting you in preparing a simple and effective Will, ensuring a lasting legacy for your loved ones from&nbsp;</span></h4><h4><span style="font-size: 15.3333px; font-weight: 400; text-align: justify; text-indent: -24px;">&nbsp; &nbsp; &nbsp; &nbsp;</span><span style="font-size: 15.3333px; font-weight: 400; text-align: justify; text-indent: -24px;">protecting your present to planning your future</span><font face="Symbol" style="font-size: 15.3333px; font-weight: 400; text-align: justify; text-indent: -24px;">.</font></h4><h4><p class="MsoListParagraphCxSpFirst" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">





</p><p class="MsoListParagraphCxSpLast" style="margin: 0in 0in 0.0001pt 0.25in; text-align: justify; text-indent: -0.25in; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><!--[if !supportLists]--><span style="font-size: 11.5pt; font-family: Symbol;">·<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: " times="" new="" roman";"="">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></span><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><span style="text-align: start; font-weight: normal;">We are happy to help for updating of data/transmission of units/claim of
unpaid dividends in your old&nbsp;</span></span><span style="font-weight: normal; text-align: start; font-size: 11.5pt; text-indent: -0.25in;">&nbsp;</span></p><span style="font-size: 15.3333px; font-weight: 400; text-indent: -24px;">&nbsp; &nbsp; &nbsp; Mutual Fund schemes even if they are not invested through us. </span></h4><h4><br></h4>&nbsp; &nbsp; &nbsp;<br><span style="font-weight: normal;">&nbsp;</span>

<h4 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-weight: normal;" sans-serif";="" font-weight:="" normal;"="">A mutual fund is an investment vehicle
that pools money from multiple investors to invest in diversified portfolios of
stocks, bonds, or other securities. Professional fund managers manage these
investments on behalf of investors.</span></h4><h4 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><br></span></h4><h4 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";="" font-weight:="" normal;"=""><br></span></h4><h4 style="margin-top: 0in; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></h4>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"="">SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in Mutual Funds. It helps in rupee cost averaging and builds discipline in Investing. You can start with as little as </span><b style="font-size: 15.3333px;">₹500 per month.</b></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><br></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;">As a Mutual Fund Distributor, we offer only “</span><b style="font-size: 15.3333px;">REGULAR”&nbsp;</b><span style="font-size: 15.3333px;">plans of mutual fund schemes. The firm is getting commissions from AMCs for mutual fund business sourced under its own&nbsp;</span><b style="font-size: 15.3333px;">ARN Code (57584).</b><span style="font-size: 15.3333px;">&nbsp;We don't charge any fees (Cash or in kind) directly from investor. We believe in putting your interests first and provide unbiased neutral recommendations. Contact us for detailed information.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt;">The investment amount depends on <b>your financial goals, income and risk appetite.</b> As a thumb rule, invest at least 20% of your monthly income. We help you create a personalized plan based on your specific needs.</span></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt; font-family: Arial, " sans-serif";"=""><br></span><o:p></o:p></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;">While there is no mandatory minimum period <b>(except ELSS - 3 years),</b> we recommend staying invested for&nbsp;</span><b style="font-size: 15.3333px;">at least 5-7 years for equity funds and 3 years for debt funds</b><span style="font-size: 15.3333px;">&nbsp;to ride out market volatility and maximize returns.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 11.5pt;">Mutual funds are regulated <b>by SEBI and are relatively safer than direct equity investments due to diversification.</b> However, they are market-linked and carry risk. Different fund types have different risk levels - equity funds are riskier than debt funds.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;">Equity funds held for more than 1 year attract 12.5% LTCG tax on gains above&nbsp;</span><b style="font-size: 15.3333px;">₹1.25 lakh.</b><span style="font-size: 15.3333px;">&nbsp;Short-term gains are taxed at 20%. Debt funds are taxed as per your income tax slab. ELSS funds offer tax deduction under Section 80C.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;"><b>Equity funds invest primarily in</b>&nbsp;</span><span style="font-size: 15.3333px;">stocks and offer higher returns with higher risk.</span><span style="font-size: 15.3333px;">&nbsp;<b>Debt funds invest in&nbsp;</b></span><span style="font-size: 15.3333px;">fixed-income securities like bonds and offer lower but stable returns with lower risk.</span><span style="font-size: 15.3333px;">&nbsp;The choice depends on your <b>risk profile and investment horizon</b>.</span></p>

<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-size: 15.3333px;">Most mutual funds&nbsp;</span><b style="font-size: 15.3333px;">(except ELSS and close-ended funds)</b><span style="font-size: 15.3333px;">&nbsp;are liquid and allow redemption anytime. However, some funds may have exit loads if redeemed before a specified period.&nbsp;</span><span style="font-size: 15.3333px;">We recommend</span><span style="font-size: 15.3333px;">&nbsp;staying invested for the <b>long term for better returns.</b></span></p>