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2. CONTENTS Dion Profile What Is Financial Planning?
Financial Planner – Different Plans
Financial Pyramid
Key Features of Financial Planner
Financial Planner Process Flow
Income and Expenses
Net worth
Insurance Planning
Financial Goal
Risk Profiler
My Plan Page
Reports - Recommendation on Insurance
Recommendation on Goal Planning

3. Dion Global Solutions Limited
Dion Global Solutions Limited (formerly known as Religare Technova Ltd.) is a leading provider of enterprise software and information solutions to global financial and capital markets. Part of a large diversified Indian transnational business group, Dion caters to the software needs of brokers, financial institutions, banks, and other entities in the financial ecosystem worldwide.
Currently with over 450 employees with domain knowledge and direct presence in over 10 countries with global sales channels across Asia Pacific, India, Middle East, Africa and America. Dion serves over 400 international customers across 60 countries.

4. What Is Financial Planning?
Financial planning is the process of achieving your life goals by using different investment options with your current resources through proper and disciplined money management. So Financial Planning is not only about money, but it is all about life, about fulfilling your wishes, dreams, aspirations and your enjoyment in achieving them.
Your financial plan will help you address a wide range of financial concerns:
Cash management
Debt management
Tax planning
Investment planning
Retirement planning
Risk management
Estate planning
Your plan will contain specific recommendations which you need to implement to achieve your financial goals.

5. Financial Planner “What are your long-term financial goals?”
Financial planner advise customers on how best to save, invest, and grow their money.
Dion financial planner will help you to reach those goals by setting up a financial plan.
Dion financial planner will understand your goals and give suggestions on the best ways to reach them.
In summary, the financial plan addresses the following important questions:
What does a Financial planner do?
“What are your long-term financial goals?”
“Where are you now financially and where will you likely be in the future?”
“"What do you need to do to achieve your financial goals?”
The Financial Planner first makes a note of your financial goals and its priorities. Then the planner analyses your current financial situation, recommends the right plan with proper asset allocation, monitoring it regularly, rebalance your portfolio from time to time based on your changing life style and investment opportunities.

6. Financial Planner – Different Plans
Dion will provide two levels to subscribe the Plans in Financial Planner.
Basic Plan: Dion will provide basic plan which includes minimum features of Financial Planner.
Advanced Plan (Payment) : Dion will provide an option to upgrade the plan from Basic to Advanced as per customer requirements which includes all financial planner features.
You may not have the expertise, the time or the desire to actively plan and manage certain financial aspects of your life which financial planner helps.
In today’s hectic world, it can be beneficial just to have a financial expert looking over your shoulder to double-check your planning efforts and make sure you stay focused and follow through with your financial plans.
Advanced plan will get expertise, training, and experience to your unique financial needs.
Why to purchase the financial planner?
Financial planning and investments not a one-time event, but rather an ongoing process.

7. Financial Pyramid
The Financial Pyramid is the most essential part of the Financial Planning process. The Financial Pyramid is the only picture to help you understand the necessary steps to reach Financial Freedom.
Important process in financial planning
Investment
Debt Reduction
Emergency Fund
Insurance (protection)
Net worth, Cash Flow, Risk Tolerance
Goal
Protection Planning (Insurance)
Emergency Cash Flow Planning (Emergency Fund)
Ideal Foundation
Insurance (Savings + Protection)
Investment
Debt Reduction Planning (Loan)
Investment Planning (Achieving Loan)
Risky Foundation

8. Key Features of Financial Planner
The features that make Dion Financial planner different from other financial planner are:
Dedicated Financial Planner
Net worth Statement (Personal Balance Sheet)
Assessing Your Emergency Requirement
Cash Flow Management
Retirement Planning, Estate Planning, Tax Planning, Financial Planning
Planning For Your Goals Such As House Purchase, Child Education, Retirement Etc.
Assessing Your Risk Profile
Assessing Your Insurance Requirement
Allocation Of Assets To Goals, Retirement Goals, Financial Goals
Fresh Recommendation On Both Life And General Insurance Policies
Consolidation And Monitoring Of Portfolio
Annual Review & Rebalancing Of Portfolio

9. Financial Planner Process Flow
USER
Login /Registration Page
Basic Plan
My Plan page will display users financial details according to the plan selected i.e. Basic Plan and Advanced Plan
Home Page
Advanced Plan
Personal Details, Family Profile, Assumptions
Income and expenses
Net worth
Insurance
My Goals
Risk Profiler
My Plan
Save/Continue
Save/Continue
Save/Continue
Save/Continue
Save/Continue
Save/Continue
Yes
Yes
Yes
Yes
Yes
Yes NO NO NO NO NO NO

10. Income and Expenses User will enter details related to Family income
User’s Total Income Report
User will enter details related to Family expenses
User’s Total Expenses Report

11. Determine where you are financially
Calculate your net worth
Analysing your cash flow
Indicate your ability to save
Let you size up your standard of living
Indicate if you’re living within or beyond your means
Highlight problem areas.
Net worth Analysis shows your financial condition as on a specific date which will help you to Monitor your progress as you build your assets.
Net worth is what’s left after you subtract your liabilities from your assets.

12. Net Worth User’s Assets Report snapshot
User will enter the
Net worth details
User’s Assets Report snapshot
User’s Liabilities Report snapshot
User’s Net Worth Report snapshot

13. Life Insurance important role in Financial Plan
Life insurance may offer many benefits as part of your overall financial plan, from helping you meet liquidity goals to easing wealth transfer.
Different kinds of insurance help protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
Dion will provide different types of Insurance in Financial Planner:
Life Insurance
Medical Insurance
Critical Illness
Disability and Accident Benefit
Home Insurance

14. Insurance Planning
User will enter self’s Insurance details along with spouse insurance details.

15. Insurance Planning Report
Snapshot of Insurance

16. User can enter the details related to goal in this table.
Set Up Plan Toward Your Financial Goals
Setting your financial goals puts you in charge of your money and your life. Your goals can be short or long term, small or large, but they all need to be achievable. Dion will provide different options to user to set their financial goals.
User can enter the details related to goal in this table.

17. Financial Goals Snapshot
Users Goals Snapshot
Once user submit his/her goal details in financial planner, it will calculate the future cost of goal and monthly investment required to achieve the goal.

18. Risk Profiler
Risk profiling is a process for finding the optimal level of investment risk for your client considering the risk required, risk capacity and risk tolerance.
Your risk personality covers a range of financial matters, including making financial decisions, financial disappointments, investment decisions, borrowings etc.
Assess your personal risk tolerance by completing the investment risk profiler by answering online questionnaire and to determine your recommended portfolio allocation.

19. Risk Profiler Snapshot
Dion financial planner will provide Five Investment Risk Categories :
Conservative
Moderately Conservative
Moderate
Moderately Aggressive
Aggressive
User’s Risk Profile will be calculated on the basis of Questionnaire filled by User in Risk profiler section and his investments. Below snapshot shows the User as a Moderate Investor.

20. My Plan Page
My Plan page will give you the snapshot of the users financial details. The recommended products and strategies in this plan have been prepared especially for the user. These recommendations given here flow out of an analysis of the Investor Profile and their Goals and Objectives as presented. Dion’s financial planner will have My Plan report page which will display below details:
My Plan page will display users financial details according to the plan selected.
My Net worth
Summary Of Goals
My Retirement Assets
Recommendation of Goal Planning
Cash Flow Management
Risk Profile
Estate Planning
Emergency Planning
Model Portfolio and assets allocation
Insurance Recommendation

21. Reports - Recommendations on Insurance

22. Continue…

23. Reports - Recommendation on Goal Planning -MF
Recommendation provided for user to purchase Mutual Fund schemes to achieve the Goals.