Client Centric Approach :      We only do those things that are best for our clients. We are on the client’s side always, unlike agents who represent Financial service companies. Qualification & experience :    For starters, you are coming to a Certified Financial Planner (CFPCM), with close to 4 years of actual planning practice and have created over 100 plans. You get the benefit of the knowledge, expertise & perspective which comes from extensive consulting experience.  Clarity & Perspective :  This plan will give you the clarity about your current situation,  investments to be pursued last, future course and the road map to achieve the goals. You get a perspective of where you are heading, whether you will meet your goals & about your funding sufficiency Ethics :  The planning charges are based on how much time is spent for you. The planning charges do not vary a bit based on the salary, net worth or the “affordability” of the client. It stays the same for the same level of work, which is fair to all. We are committed to doing things transparently & ethically. Independent:    Since we are not attached to any company or bank, we do not have any targets to meet. This itself is a big plus ( If you have dealt with insurance agents, relationship managers etc., you will already know this! ). One-point contact :   You will be dealing with us for anything to do with finance - period.  Relationship managers etc. change jobs and you are passed on like a medicine ball.  Or agents vanish, without a trace.  Now, that would be in the past. Continuity :    We will work together and stick to the plan, making appropriate changes along the way, as the situation warrants… now and in the years to come. Detailing :   Clients, associates and peers have rated our plans as very detailed & comprehensive in it’s scope.  Arguably, the plans from us are one of the most detailed and comprehensive, that you can get. Risk Management :    This is the most important task, which is the guiding principle in all recommendations.  Shielding you from unnecessary risk and guiding you to go along the right, planned path, to meet your stated goals is our priority. Managing your risks, in investment & otherwise, is one of the most important contributions from our side.