• MLDS

We help organizations become more ethical and competitive

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At SAMRIDDHI Growth Solutions, we provide access to Market Linked Debentures (MLDs), a distinctive financial product that combines the security of debt instruments with the potential for higher returns linked to underlying market indices or assets. MLDs offer our clients an opportunity to benefit from market performance while mitigating risk through a fixed-income component. Ideal for investors looking to diversify their portfolios beyond traditional investments, MLDs offer potential tax efficiencies and returns that are contingent on the performance of the linked indices. Our role is to guide clients through the complexities of MLDs, ensuring they understand the risks and rewards involved and align these investments with their broader financial strategies.

Minimum ticket size entry: Rs. 1,00,000/-
Lock in period of 42 months

Our MLD Schemes:

  1.  All weather Equity (AWE)
  2.  Twin-Win

 

Income can vary upwards with the outperformance of NIFTY benchmark index and the option for protection of capital.

We provide strategic, transformational, and technical offerings in risk and compliance

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  • Our approach

Our approach to risk and compliance consulting

Compliance and Crisis Response

We advocate for data-driven, technology-enabled transformations that prioritize talent, culture, and the optimization of corporate compliance operations. By placing these aspects at the center of our approach, we ensure that organizations not only meet regulatory requirements but also cultivate a compliance culture that is adaptable, proactive, and aligned with their overall strategic objectives.

Commodity Risk Management

Our work revolves around assisting clients in effectively managing financial risk and compliance throughout their production supply chain. We begin by quantifying a range of risks, including those related to trading, operations, and strategic aspects. By thoroughly understanding these risks, we can develop strategies and solutions to mitigate them effectively.

Credit Risk Management

Our expertise lies in constructing advanced end-to-end credit processes that not only enhance clients' operational efficiency but also significantly elevate the quality of credit decisions. By leveraging our specialized knowledge and tools, we assist organizations in streamlining their credit processes from start to finish, resulting in improved efficiency and more informed and accurate credit-related judgments.

Operational Risk Management

Our focus is on supporting clients in establishing robust guardrails that minimize the risk of reputational damage or regulatory penalties. By working closely with organizations, we help them develop and implement clear guidelines and protocols that align with regulatory requirements and best practices. These guardrails serve as a framework for ethical and compliant conduct, safeguarding the organization's reputation and reducing the likelihood of negative consequences.

  • Client success in Risk Management and Compliance
85%
Expected loss reduction

We assisted a leading merchant acquirer in the travel and airline industries with risk management and compliance, resulting in reduced exposure, lower expected losses, and increased profitability in high-risk sectors during a crisis. We successfully reduced the client’s exposure by over one-third and mitigated expected losses by approximately 85% during this turbulent period.

5%
Uplift

A global USA bank partnered with us to enhance their treasury, asset and liability management operating models, as well as their liquidity and interest rate risk management process. Through this transformational engagement, we made revisions to the client’s behavioral models and hedging strategy

>10
Automotive industry

We designed and implemented a global integrity and compliance program for a world-leading automobile manufacturer. The program focused on implementing processes and inspiring people, strengthening governance and processes across more than 500 legal entities worldwide. Through diverse communication, training, and enablement initiatives, we engaged all employees on the path to achieving sustainable culture change.

FAQs

HELLO, HOW WE CAN HELP?​

Whether you’re going through the loss of a loved one, a divorce, planning for retirement, or a career change, Beratun Financial understands the challenge of life-altering events for women. We offer an oasis of solid financial guidance for many clients in the midst of stressful life transitions.

Our highly-skilled and caring team of financial professionals pledge to be there for you with sound financial advice throughout both the ups and the downs:

  • Loss of Loved One—With a mission to relieve stress, encourage healing and build a secure financial future, we assist clients with estate planning, tax planning, investments, and more after losing a loved one.
  • Divorce— As a top-rated divorce financial advisory firm, we help clients with valuable information on financial issues related to divorce, including taxes, retirement plans, health insurance coverage, and more.
  • Inheritance—Beratung Financial helps clients make the most impact with inherited assets through thoughtful, expert guidance to help ease that overwhelming feeling that can accompany the arrival of a large sum of money.
  • Retirement—As one of the top financial advisory firms in the United States, Beratung Financial works to ensure our clients can retire confidently and on their own terms through expert wealth management.
  • Career Change—Although changing careers can be rewarding, it also involves important financial decisions, and Beratung Financial helps ease the transition by providing expert financial advice.

The firm maintains a boutique feel with a personalized approach that differentiates us from many other financial advisory firms. We have a low client-to-advisor ratio, which allows us to be uniquely attentive to our clients, and give them financial peace of mind even in the midst of turbulent changes in their lives.

Our award-winning, team was founded and is led by powerful, motivated, and experienced women. We are somewhat of a unicorn in the industry, as only 9% of financial advisory firms have a female owner.

Each of us have a deeply personal reason why we were drawn to do this work. Our passion and dedication are some of the many reasons why our clients love working with us. We have effective, long-lasting relationships with our clients and a client retention rate of 98%, which is far above the industry average.

 

Yes and yes! We are independent, fiduciary and fee-only. We have taken a fiduciary oath to keep your interests first.

The core principles that we follow as a Fiduciary are to put you, our client’s, best interests first. Act with prudence, that is, with the skill, care, diligence, and good judgment of a professional. Do not mislead you, our client —provide conspicuous, full, and fair disclosure of all important facts. Avoid conflicts of interest and fully disclose and fairly manage.

The White House’s Council on Economic Advisors found that non-fiduciary advice costs investors an extra $17 billion per year. Being a fee-only wealth management firm means that we never receive any type of commission or kickback from an investment or insurance product. You can rest assured that if we are making a recommendation to you, it is because it is in your best interest. We are committed to you, and to helping you live your very best life!

You can view our profile on NAPFA HERE and our advisor profiles on the Fee-Only Network here:
Stacy Smith
Matt Davies

Yes! We will work in tandem with any professionals who are already providing guidance in your life. With your permission, we can exchange information and ideas with your team to optimize the advice we provide to you. Your team might include an accountant, estate planning attorney, property and casualty insurance agent, as well as other professionals such as life, disability, long-term care, and health insurance experts.

Over the last two decades, Beratung Financial has also built trusted relationships with professionals you may need along your financial journey. We are happy to be a resource for you if you need help building your team of smart and caring professionals!

No. There is no fee for your initial meeting with our Beratung Financial advisors. In this meeting, we will answer any questions you may have and help determine if we are the right advisor for you.