It is a holistic approach to personal financial management. It begins with identifying your family’s short and long-term financial goals, optimizing what you have today and developing strategies to achieve your goals. It is a proven systematic process for financial stability and long-term success.

Your goals could be anything like your child’s education and marriage, buying a home, or retirement planning. Your current age, income or wealth does not matter, if you have aspirations in life, you have better success achieving them with a financial plan.


Products come last

Mutual funds and Insurance products in financial planning. 

Financial planning is often confused with product selection. Random selection of mutual funds, insurance and other investments without a plan may not help you achieve your life’s goals efficiently. Financial planning is mostly about planning and strategy with product choices playing a small role.



Investments, Life Insurance, Income tax, Retirement planning, Loans, Savings, Financial Advice. - India

You probably go to an insurance agent for insurance, a bank for savings and loans, a broker for mutual funds, stock investments and retirement planning, an auditor for tax planning. You end up with different pieces of information, products and advice which could work against each other.

Holistic financial planning integrates all the different pieces of your financial lives and ensures that they work together towards your goals. The jigsaw is firmly put together in an orderly, tax efficient and cost effective way and the overall picture becomes clear.


We are usually busy with our day-to-day lives, focusing on short-term needs, issues and don’t step back to look at the bigger, more important picture. A financial planner will take an objective look at your situation and help you create a plan which will benefit you in many ways.


One of the biggest challenges in taking finance decisions is knowing all the options available to you. Product salesmen only talk about the benefits of their products and do not educate you on the other potentially better options. An unbiased, independent planner can show you all the options and educate you on the benefits and limitations of each one of them, helping you make fully informed decisions.


It will help you quantify your life’s goals and create a plan to achieve them. Eg, saving for your child’s education is a goal, but how much will be needed 15 years from now, and how much you need to save starting now needs to be understood. It also helps to identify future needs much earlier so you can start working towards fulfilling it.


There are thousands of mutual funds, hundreds of insurance policies, retirement plans and investment options. A professional planner can research and identify the product that best suits your needs and offers the best value for the lowest cost. Your current non-performing investments and insurance can be replaced or eliminated, also reducing unnecessary commissions and hidden costs.


A plan helps you understand what you have today and optimize your wealth and income for best results. With a holistic view of your finances, all the different pieces of your financial lives work together in an efficient manner.


Life is unpredictable and a financial plan helps you and your family be prepared for future uncertainties. Through risk management and insurance planning, you can be rest assured that the risks are taken care off.


With proper goals identified, quantified, and a plan to achieve them, you can have better clarity and peace of mind that you are on track to achieve your life’s goals and that risks are taken care of. You will know exactly what you need to do to achieve your goals.