Insurance Planning: Insurance mitigates unexpected expenses by transferring risk through premium payments, covering events like disability or property loss.
Debt Management: Advisers help evaluate borrowing needs, repayment capabilities, and avoid debt traps by counseling on responsible borrowing.
Investment Planning: Involves estimating savings capacity and selecting appropriate asset classes to meet short- and long-term financial goals.
Tax Planning: Considers tax implications on income and investments to maximize post-tax returns, guiding product selection and holding periods.
Retirement Planning: Focuses on saving and investing for retirement, factoring in inflation, compounding, and portfolio rebalancing as retirement approaches.
MODELEXAM® 
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