What's in a real financial plan
- Net worth statement — assets, liabilities, real picture.
- Cash-flow analysis — income, fixed expenses, savings rate.
- Goal sheet — child's education, home, retirement, vacation — each with target amount, year, and required SIP.
- Risk profile — psychometric + capacity-based scoring.
- Allocation roadmap — equity/debt/gold split by goal.
- Tax map — 80C, 80D, 80CCD(1B), capital-gains optimization.
- Insurance gap — life + health adequacy check.
- Estate planning hooks — nominee, will, joint holders.
4-step engagement
1
Discovery (60 min)
Deep-dive call: goals, dependants, existing assets, debts, insurance, taxes, concerns.
2
Plan Drafting (1 week)
We build a full plan deck — net worth, goals, allocation, tax map, insurance gap.
3
Review & Refinement (60 min)
Walk through the plan, refine assumptions, agree on action items.
4
Implementation + Annual Review
We help execute (SIPs, insurance, KYC) and review the plan every April.
Who this is for
- Couples in their 30s/40s wanting a clear roadmap to retirement + kids' education.
- Salaried professionals wondering where their increment is going every year.
- Business owners with lumpsum income wanting a structured deployment plan.
- NRIs returning to India or planning to.
- Retirees wanting reliable monthly income from accumulated corpus.
Start with the 2-minute goal quiz for a sense of direction, or book a free 30-min consultation to discuss your full plan.