Our planning process is grounded in the belief that advice and service should be as unique as the individual. Each financial plan is tailored to the client’s specific circumstances taking into account their cash flow, investment objective, personal goals, and other factors.
We understand your biggest concerns, most important goals and unique situations.
This call will help us understand your life journey, your unique approach towards money, what money means to you and how you want us to help you.
We will take you through our process and help you understand how we can help you create a financial plan to achieve your goals.
We will share a formal Letter of Engagement with the terms of service for your digital signatures.
On successful payment of the agreed fee, we will share the next steps Risk Profile Assessment, KYC & Data Collection.
We will collect essential financial information like income, expenses, assets liabilities and priorities to help us build an accurate, detailed financial profile to tailor our recommendations.
We will prepare a customized financial plan, where we assess your current cash flows and asset allocation. Your financial plan will include insights on debt management, insurance, retirement and goal planning. The financial plan will achieve three objectives.
Give you clarity on your financial goals. Will help you understand which goals you can achieve and what changes you need to implement.
Simplify investment options and help you understand the various investment instruments.
Provide a structure to monitor and manage your financial plan on a on-going basis.
A financial plan is no good if you are not able to implement the action points. We will share an excel based action points execution tracker with the list of all action points.
You can start implementing the action points – making new investments, adjusting spending habits, or prioritising goals. We will connect after a month for a review to understand the progress on implementation of the financial plan.
As life changes, your financial plan will need to evolve too. We’ll schedule regular reviews – either quarterly or half-yearly depending on your circumstances & requirements, to track your progress and make necessary adjustments.
We do not place any restrictions on the number of meetings or queries you raise that will help you stay on course to meet your financial goals with professional guidance.
Common Challenges:
1. Feeling overwhelmed by complex investment options
2. Unsure if savings are enough to maintain their lifestyle in retirement
3. Wants a plan that works for their busy life
Common Challenges:
1. Conflicting financial goals (home purchase, children’s education, retirement)
2. Unsure how much to allocate to each goal
3. Limited time to manage financial decisions
Common Challenges:
1. Uncertain if current investment portfolio is optimized
2. Unsure about asset allocation and portfolio rebalancing
3. Concerns about balancing risk and return to ensure long-term security for the family
Common Challenges:
1. Uncertainty about whether they have saved enough for retirement
2. Concern about market volatility affecting their investments
3. Desire to leave a financial legacy for children
Understand Your Financial Situation
We provide you with a detailed understanding of your financial situation, helping you gain clarity on:
Focus on What Matters
Successful financial management doesn’t have to be complicated. We believe in simple strategies that deliver long-term results. Here’s how we ensure simplicity:
Framework for Taking Action
A financial plan isn’t just something you create once and forget. It’s a living guide that requires consistent monitoring and adjustment. We provide you with a framework for action that covers three major triggers:
Most frequent questions and answers
Flat fee financial planning is a pricing model where clients pay a predetermined, fixed fee for comprehensive financial planning services based on their complexity, regardless of the assets they have or the products they purchase. It eliminates conflicts of interest associated with commissions and ensures transparent and objective advice..
A Fee Only Financial Planner receives a fee for financial planning and advice and not through commissions from products or services recommended.
A Fee Based Financial Planner also holds licenses that allow them to distribute financial instruments or products through which they can earn commissions, brokerage or incentives.
A Fee Only Financial Planner does not have any conflict of interest; the investor’s and the adviser’s interest are aligned towards the betterment of the investor’s goals and objectives.
We are fee-only planners, meaning our advice is completely unbiased—we don’t earn commissions from financial products. Our focus is 100% on helping you achieve your goals, not selling you investments. Think of us as your financial advocate, creating personalized strategies for long-term success.
Watch our client testimonials here.
Absolutely! Our process breaks down complex concepts into clear, manageable steps tailored to your unique situation. By focusing on simplicity, we make planning your finances stress-free and easy to follow—so you can take action confidently.
Know more about our financial planning process here.
SEBI has proposed that a Fee only Financial Planner who is a SEBI Registered Investment Adviser charge only up to ₹ 1,25,000 p.a. Most financial planners charge between as low as ₹ 15,000 for individuals who have just started earning to as much as ₹ 1,25,000 for sophisticated individuals who are looking for expert guidance on various investment instruments and strategies. The fee only financial planner fixes his charges based on the complexity level required to prepare a detailed financial plan for the prospective clients.
The Flat Fees charges by the Fee Only Financial Planner are very advantageous for individuals who have a large investible surplus and were previously working with Fee Based Commission oriented advisors charging a fee based on a % of the invested amounts. An investor with investible funds of ₹ 1 crore would end up paying a fee of ₹ 1 lakh to a Fee Based Advisor who charges about 1% of the invested funds.
We have three plans for Financial Planning catering to individual at three different stages of financial journey; one for Beginners at ₹ 15,000, Value Plan for Families ₹ 20,000 and the premium plan for the Sophisticated Investor at ₹ 25,000. You can have a look at the complete offering here.
We begin with a comprehensive risk analysis of your current portfolio, insurance, and future goals. Then, we help you balance your investments, avoid unnecessary risks, and build a safety net. Our goal is to protect your finances while still aiming for sustainable growth.
Not at all! Whether you’re starting fresh or already have a portfolio, we offer plans that fit every stage of life. From beginners learning the ropes to sophisticated investors seeking advanced strategies, we create customized solutions for everyone.
We take a holistic approach to investment management, focusing on aligning your investments with your financial goals and risk tolerance. We provide personalized asset allocation advice and help you select low-cost, diversified investments. Our flat fee model ensures that your investment recommendations are always in your best interest, without any incentive to sell specific products.
We are a SEBI Registered Investment adviser in India and provide Fee Only Financial Planning Services in India and Fee Only Financial Planning services for NRIs across the globe. You can now use technology and set up online meeting through Google, Skype, Facebook, WhatsApp, Zoom and other such tools to understand each other.
We are a Fee Only Financial Planner in Bangalore. Are you looking for list of fee only financial planners in India or
We provide Fee Only Financial Planning to people in all the top cities in India. Schedule a FREE consultation call with Fee Only Financial Planner to understand how to achieve your financial goals.
Yes, we are fiduciaries, which means we are legally and ethically obligated to act in your best interest at all times. Unlike some financial advisors who may be incentivized to recommend certain products for commission, we make recommendations solely based on what’s best for your financial well-being.
We take your privacy and confidentiality seriously. All the personal and financial information you share with us is protected through strict security measures and privacy policies. We never disclose your information to third parties, ensuring that your data remains secure.
Apart from the flat fee for the comprehensive financial plan, there are no hidden fees or costs for our advisory services. The fee you pay us is the only way we get remunerated.
Yes, you can reach out for ongoing support as needed. We offer periodic reviews, updates to your financial plan, and assistance with any changes in your circumstances. You onus of setting up regular reviews is on you. Our goal is to be a long-term partner in your financial journey, providing advice and support whenever you need it.
Your plan isn’t static—it evolves with your life. We offer ongoing reviews, quarterly check-ins, and proactive adjustments for market changes or life events. You’ll always have support to ensure your plan stays relevant and effective.
Your satisfaction is our top priority. If you’re not satisfied with the services, we encourage you to let us know so we can work with you to address your concerns.
Yes! Whether you’re a professional in your 30s looking to validate your DIY portfolio, a family-focused saver, or an experienced investor, our tailored approach works for a variety of clients. We meet you where you are and build a plan to match your unique goals.
You’ll see immediate clarity on your financial situation after the initial sessions. The time it takes to see measurable results depends on your goals, but our streamlined process ensures you’ll feel confident and organized from the get-go. Progress often starts with small wins that build momentum.
We share excel based execution trackers that will help you track your progress and keep you on track to achieve your financial goals.
To get started, simply schedule a free discovery meeting through our website or by calling us. During this meeting, we will discuss your goals, financial situation, and how our flat fee services can help. From there, we will tailor a plan to meet your needs and walk you through the next steps
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