Everything your financial life needs. In one place.
A structured journey covering every pillar of personal finance — built specifically for IT professionals who want clarity, not complexity.
Session 1
Budgeting & Cash Flow
Most people earn enough — they just don't know where it goes. In this session, we map every rupee of income and expense with no judgement and no guesswork. You leave with a working budget that actually fits your life, not a spreadsheet you'll abandon in a week.
What you'll know after this session
- Exactly where your money goes each month
- Your real saving rate — and a realistic target
- A monthly cash-flow plan you can actually follow
- Which subscriptions, EMIs, or habits are quietly draining you
Session 2
Risk Assessment
Before any investment or insurance recommendation, we need to understand how much risk you can actually handle — financially and emotionally. Your risk profile shapes every decision that follows: how aggressively you invest, how much protection you need, and how your portfolio should be structured.
What you'll know after this session
- Your actual risk tolerance, not just what a form says
- How your risk profile maps to the right asset allocation
- Whether your current investments match your real risk capacity
- How life events (marriage, kids, EMIs) should shift your risk strategy
Session 3
Emergency Fund Planning
An emergency fund isn't just a number — it's peace of mind. We figure out the right size for your life (not a generic three months), where to park it so it earns something without being locked away, and how to build it without derailing everything else.
What you'll know after this session
- The right emergency corpus size for your specific situation
- The best liquid instruments to park it in
- A build-up timeline that works with your cash flow
- When to use it — and when not to
Session 4
Health Insurance Planning
Your employer's group cover has limits — and you probably don't know what they are until you need to claim. We audit your current coverage, identify the gaps, and figure out whether a top-up, super top-up, or a new individual policy makes more sense for you.
What you'll know after this session
- What your current health cover actually includes and excludes
- Whether your employer cover is sufficient as a standalone
- The right sum insured for your family situation
- A clear recommendation without product pressure
Session 5
Term Insurance Planning
Term insurance is the most important financial product most people underbuy. We calculate the right cover using your actual liabilities, income replacement needs, and the people who depend on you — and compare the best options by claim settlement record, not just premium.
What you'll know after this session
- The exact cover amount your family needs to stay financially stable
- How your existing employer cover fits into the picture
- A comparison of the top term plans by credibility, not just cost
- How long the cover should run — and why most people get this wrong
Session 6
Retirement Planning
Retirement feels far away — until you do the math. We calculate the corpus you actually need, factor in inflation, account for your existing savings, and build a realistic plan to get there. Not a generic rule of thumb, but a number tied to your specific life and timeline.
What you'll know after this session
- Your actual retirement corpus target, adjusted for inflation
- How your current savings and investments stack up against that target
- The monthly investment needed to close the gap
- Which instruments are best suited for a long-horizon retirement goal
Session 7
Goal-Based Investment Planning
A SIP without a goal is just savings with extra steps. We identify your short, medium, and long-term goals — house, education, retirement, sabbatical — attach a number and a timeline to each, and build an investment plan that actually works toward something specific.
What you'll know after this session
- Your financial goals quantified with realistic timelines
- The right instruments for each goal horizon (not one size fits all)
- An SIP plan that maps money to purpose
- Expected corpus projections with assumptions you can trust
Session 8
Periodic Portfolio Reviews
Your financial plan isn't set-and-forget. Life changes — salary increases, new goals, market shifts. We review your portfolio at regular intervals, check whether you're on track, and make adjustments before small drift becomes a big problem.
What you'll know after this session
- Whether your portfolio is still aligned with your goals
- Overlap, underperformers, and redundant holdings identified
- Rebalancing recommendations with clear reasoning
- Updated projections based on current numbers
Ongoing
Ad-hoc Query Resolution
Financial decisions don't wait for your next scheduled review. When you get a new job offer with a different salary structure, when a family member asks you to co-sign a loan, when markets fall and your SIPs feel scary — you have someone to call. No ticket system, no waiting.
What you'll know after this session
- Quick, clear answers to specific financial questions
- A second opinion on decisions before you make them
- Help interpreting policy documents, fund fact sheets, or tax notices
- Someone in your corner when you need to think out loud
The Process
A complete financial foundation. Step by step.
Each session builds on the last. By the end, you have a complete, written plan — not just advice you'll forget.
Discovery
We start by understanding your full financial picture — income, expenses, assets, debts, and goals. No forms to fill, no jargon. Just a structured conversation that gives us an honest baseline.
Budgeting
We build a budget together, based on your real numbers. This isn't a restrictive plan — it's a conscious one. You'll know exactly where your money is going and where you want it to go.
Risk Assessment
We assess your true risk capacity — financially and emotionally. This shapes every investment and insurance decision that follows, ensuring your plan matches who you actually are.
Emergency Fund
We calculate your ideal emergency corpus, where to park it, and how fast you can build it without sacrificing other goals. Your financial safety net, properly sized.
Health Insurance
We review your current health cover, find the gaps, and recommend exactly what you need — nothing more, nothing less. You'll know whether your employer plan is enough or not.
Term Insurance
We calculate the right cover for your life stage and responsibilities. You'll understand the logic behind the number and walk away with a clear recommendation you can act on.
Retirement Planning
We put a real number on your retirement — adjusted for inflation, your lifestyle, and your timeline. Then we build back to what you need to do today to get there.
Goal-Based Investing
Every rupee you invest gets a purpose. We map your goals to the right instruments and timelines, and set up an investment plan you'll actually understand and stick to.
Portfolio Reviews
At regular intervals, we revisit your portfolio to check alignment, rebalance if needed, and update projections. Your plan stays current as your life evolves.
Ad-hoc Support
Whenever a financial question comes up between reviews — a new offer, a market drop, a product someone is pushing — you have someone to call. No waiting, no ticket system.
What you get
- 8 structured sessions (~45 min each) + ongoing support
- A written financial plan at the end
- All calculations explained in plain language
- Help executing your plan — insurance & mutual funds
- Full transparency on what I earn from any product
Start with a free 30-minute call.
No commitment. No product pitch. Just an honest conversation about where you are and where you want to be.
Book Your Free Call