Financial Planning
A written plan for where your money should go, why, and when — built around your goals, your family, and your risk appetite. The starting point for almost every long-term client relationship we have.
Financial planning is a conversation, not a transaction.
Most people we meet have a portfolio. They have policies. They have a savings account growing slowly. What they don't always have is a plan that ties it together — a single document that answers, in plain numbers, whether they'll reach retirement, fund their children's education, and protect their family along the way.
That document is what financial planning produces. Not a stack of glossy brochures, not a hard sell on the product of the month — just a clear-eyed map of where you are, where you want to be, and the most efficient route between the two.
We've been writing these plans for 36 years. The form has evolved. The principle hasn't: think long-term, be honest about trade-offs, and stay disciplined when markets aren't.
Where am I, where do I want to go, and how do I get there?
Every plan we write starts by answering three questions in order. They sound simple, but the depth of the answers shapes the next 30 years of someone's financial life.
Where am I? A full map — income, expenses, assets, liabilities, existing protection, current investments. The map most people have never seen drawn out.
Where do I want to go? Goals with numbers and dates. Not “save for retirement” — but “₹15 L/yr in 2050 rupees from age 60 to 90.”
How do I get there? A specific allocation across insurance, equity, debt, and tax-efficient instruments, sequenced over time.
The plan isn't the end. It's the start of a relationship that adapts as your life does.— Nikhil Dedhia, COO
Nine areas we cover in every plan.
A financial plan isn't one decision — it's a set of interlocking ones. We walk through each in turn, then show you how they fit together.
Goal identification
Short and long-term goals, with specific amounts and dates — not vague aspirations.
Risk appetite
A real assessment of how you'll behave in a market crash — not just how you say you will.
Current position
Net worth, cash flow, existing investments and insurance — a complete inventory.
Cash flow planning
How much can comfortably be invested, when, and through what vehicles.
Asset diversification
The right split across equity, debt, real estate, and gold — tailored to your situation.
Insurance needs
Quantifying life, health, and disability cover requirements — and filling the gaps.
Retirement strategy
Corpus targeting, accumulation, and the eventual transition to income.
Tax efficiency
Structuring investments and insurance for the most tax-favourable outcome.
Estate planning
Wills, nominations, succession — making sure assets flow where you intend.
Four steps, roughly four weeks, then a lifelong relationship.
Our planning engagement is straightforward, transparent, and designed so you can opt out at any step without obligation.
Discovery
A 60-minute call to listen. Goals, family, current investments, concerns. We don't bring brochures.
Data gathering
You share statements, policies, salary details. Secure digital sharing. We do the analysis.
Plan presentation
A written plan with specific recommendations, numbers, and our rationale for each.
Execution & review
We help you implement, then review annually or whenever life changes.
Ready for a plan written for you?
We'd be happy to start with a 30-minute discovery call — no obligation, no fee, no sales pitch.
You pay no separate fee for financial planning.
Our compensation comes from trail commissions paid by the insurance and mutual fund companies we recommend — fully disclosed and identical to what they'd pay any other distributor or to none at all.
You pay the same premium or NAV whether you buy through us or directly. The difference is the plan, the execution, the annual reviews, and the claims support — all included.
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
