The biggest Risk an SME company today carries is the risk of losing its key promoters in anuncertain circumstances. Coltivare was able to highlight this risk to Mr. Rakesh Chopdar promoter of Azad Engineering, which was appreciated by him. With this background, we have structured an efficient tax planning instrument which covered the life risk and also the risk of the company to retain its key people. Coltivare successfully executed an investment and insurance product which has resulted in peace of mind for the promoter and was crucial in their companies risk management process. Today Coltivare is the single point of contact for all his personal financial products needs.