Our Process

Initial Consultation: Understanding Your Needs

Our journey begins with an initial one-on-one meeting over the call where we understand your current financial standing and any immediate concerns. This session is designed to help us understand your key priorities - whether it is retirement planning, wealth accumulation, or capital protection.

In-Depth Financial Assessment & Goal Setting

To create a personalized plan, we conduct a detailed assessment through a structured questionnaire. This helps us gather essential information about your:

• Income, expenses, and savings

• Existing investments and assets

• Debt obligations and liabilities

• Short-term and long-term financial goals

• Future aspirations (home purchase, child’s education, travel, etc.)

Risk Profiling & Investment Strategy Development

Every individual has a unique risk tolerance, which plays a crucial role in shaping their financial strategy. We conduct a structured risk profiling assessment to determine your comfort level with market fluctuations. This helps us recommend the right asset allocation strategy; balancing equities, debt instruments, and other investments to align with your risk appetite and investment horizon.

Delivering a Customized Financial Plan

With all insights gathered, we work with you to define clear, achievable financial goals and an actionable roadmap to achieve them. We design and deliver a comprehensive financial plan tailored to your needs. This includes:

• Retirement Planning: Structuring a long-term savings and investment strategy to secure financial independence in retirement.

• Goal-Based Investing: Allocating funds efficiently to achieve key life milestones.

• Insurance Planning: Ensuring adequate protection against financial risks with optimized insurance solutions.

• Investment Strategy: Recommending the right mix of mutual funds, assets, and fixed-income instruments based on your profile.

We present the plan in a clear, easy-to-understand manner and answer any questions to ensure you are fully comfortable with the strategy.

Ongoing Monitoring, Adjustments & Periodic Reviews

Financial planning is not a one-time activity. It is an evolving process that requires regular monitoring and adjustments. We conduct periodic reviews to track your progress, reassess your financial goals, and make necessary modifications based on market conditions, personal life changes, or emerging opportunities. Our ongoing advisory ensures that your plan remains aligned with your evolving financial needs.

Frequently Asked Questions

What services do you offer as an Investment Adviser?

As a SEBI-registered Investment Adviser, I offer comprehensive financial planning services, including goal-based investment planning, existing portfolio/investment review, risk assessment, retirement planning, and guidance on achieving financial independence. I provide unbiased, fee-only advice tailored to your unique financial situation.

How do you charge for your services?

I follow a transparent, fee-only model. The charges depend on the scope of the service - whether it is a one-time financial plan, ongoing engagement, or periodic portfolio reviews. Fees are fixed or asset-based, with no hidden commissions.

Is Annual fee (for personal financial plan) per person or couple?

The annual fee for a personal financial plan is designed to cover planning for a couple as a unit. I believe that financial planning is most effective when it takes into account the complete financial picture of both partners, including shared goals, joint assets, and coordinated strategies. However, if you prefer to create a plan for an individual - whether for personal reasons or specific financial circumstances – we are happy to accommodate that as well. In such cases, the annual fee would remain applicable, but the plan would be customized to focus solely on the individual’s goals, income, assets, and needs.

We want to ensure that our service is flexible to your unique situation while maintaining the same high-quality, comprehensive approach.

I use a structured risk profiling process that considers your financial goals, investment horizon, income, liabilities, and emotional risk tolerance. This helps in creating a portfolio aligned with your comfort and objectives.

How do you assess my risk profile?

How will you construct my investment portfolio?

The portfolio is built based on your goals, risk profile, and time horizon. I follow asset allocation principles, balancing equity, debt, and hybrid investments. Diversification, cost-efficiency, and long-term discipline are the pillars of the strategy.

Do you have any conflict of interest?

As a fee-only adviser, I do not earn commissions or sell any financial products. This ensures my advice is free from conflicts and focused entirely on your financial well-being.

Can you help me with retirement planning?

Yes. I help determine your retirement corpus, plan systematic investments, and create a withdrawal strategy to ensure a stress-free retirement aligned with your lifestyle needs.

What is your experience and background in finance?

Besides my Investment Adviser certification from NISM and SEBI registration, I have an MBA in Finance and over two decades of corporate and financial advisory experience. I have set up and managed business lines, advised on strategy and finance, and helped individuals and businesses achieve financial clarity and growth.

How will we communicate?

We communicate primarily via video calls and emails, ensuring clarity, convenience, and proper documentation for SEBI and audit purposes. All communications and recommendations are recorded for full transparency.

Can I reach you when I have questions or concerns?

Yes, I ensure clear communication and timely support. You can reach me via email, calls, or scheduled meetings. Client service is a top priority.