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Why Us?

  • SEBI Registered Investment Adviser
  • 2Professional: Qualified and highly experienced Professionals
  • 3Trustworthy: Professionals with proven integrity and honesty.
  • 4Competent: Upload on the latest developments in financial markets
  • 5Fee only: Provides fee only services and are independents of product sales.
  • 6Unbiased: Recommendations on best financial products matching the client's needs.
  • 7Client first: Clients interest kept uppermost in mind that provides comfort of maximum security to the client

Benefits of Financial Planning

Financial Planning is the long term process of managing your own finance so that you can achieve your goals and realise your dreams. It also helps you to know; where you are today? Where you want to go? and how to reach the destination?

If you have the time and knowledge, you may be able to do a lot on your own. But most of us are too busy to do proper financial planning on our own. Sometime a specific event or need will trigger the desire for professional financial planning guidance; it may be for buying a house, funding education or marriage of children or planning for retirement. Some aspects of financial planning may be too complex for most people such as calculating how long your retirement savings will last. Further the recommendations made by the neighbourhood advisor or insurance agent may not match your needs. There are advantages in seeking guidance from a professional financial planner, who not only helps you to prepare a proper financial plan but also keep you in track to achieve your goals too.

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Why Do You Need Financial Plan?

  • 1Is your existing Life insurance cover adequate, such that if something were to happen to you today, your dependants can still continue the lifestyle they have been accustomed to? 
  • 2Are you having a Mediclaim policy which covers the hospitalisation expenses?
  • 3Have you bought a house or still waiting for that dream home? 
  • 4Have you started savings/investments for the higher education of your son/daughter?
  • 5Have you already planned for adequate retirement income, which can beat inflation and ensure a decent standard of living for that long post retirement life?
  • 6Have you made a will, so that there is least inconvenience to your legal heirs in inheriting your assets?

Financial Wellness program for corporate employees

We conduct Financial Wellness programmes on Personal Finance and Financial Planning for the benefit of corporate employees. We also promote financial awareness amongst various target groups such as College Students, Home makers, Non Finance executives and Retiring employees. We have conducted such programs for Corporates which have been highly appreciated by both the employer and participating employees. If you are a corporate, the program will greatly benefit both the employees and employer.

A win win proposition for the Corporates and employees

  • The employees gets better advice and their money management skill improves
  • Helps employees to set and achieve their personal financial goals
  • Helps them to do a better job of their spending, saving and investing and managing risks in life
  • Enables them to take charge of their financial life and Enables them to achieve peace and happiness in the golden period after retirement
  • Creates Corporate Good Will amongst the employees and leads to higher motivation & improved productivity which leads to Improved Employee Retention

Contents of the Program

  • Why Financial Planning is necessary?
  • How to plan for contingencies in life?
  • How to select proper and adequate life insurance?
  • How to plan for health insurance for self and family?
  • How to plan for investments to achieve financial goals?
  • How to avoid costly Loans and Debts?
  • How much retirement corpus is needed ? 

You may ask the following questions before engaging a Financial Planner:

What are your qualifications? What experience do you have?
What services do you offer?
What is your approach to personal Financial Planning?
Will you be the only person working with me? How will I pay for your services?
How much do you typically charge? Could anyone besides me benefit from your recommendation?
Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career?
Can I have it in writing?

Right Of The Clients

You have the right to a planner who has integrity
You have the right to objective advice
You have the right to a planner who is competent
You have the right to be treated fairly
You have the right to privacy
You have the right to a planner who is professional
You have the right to a planner who is diligent

Mistake In Financial PLanning

Not attaching importance in setting measurable goals
Confuse financial planning with product selling
Confuse financial planning with investing
Expect unrealistic returns on investments
Think that financial planning is only for the wealthy
Think that financial planning is for when getting older
Think that Financial Planning is the same as retirement planning
Wait until faced with money crisis to begin Financial Planning.
Believe that Financial Planning is primarily tax planning.
Neglect to re-evaluate their financial plan periodically

About The Owner

About The Owner
Shri Prakash Praharaj has a passion for excellence. He has been awarded two gold medals for securing top positions both in Graduation and Post Graduation in Commerce. He is an MBA with specialization in Finance and marketing. He has been awarded Diploma in Treasury, Investment and Risk Management besides CAIIB from the Indian Institute of Bankers. He is a CERTIFIED FINANCIAL PLANNER CM from the Financial Planning standards Board, India (FPSB), affiliated to FPSB, Denver, USA and  a Certified Personal Financial Adviser from NISM. He is also a SEBI registered Investment Adviser vide no INA 000000045 dated 2nd August 2013.

Shri Praharaj started his career with Reserve Bank of India and then joined General Insurance industry as an Asst Admin Officer. After three years, he joined State Bank of India as a Probationary Officer in the year 1983 and got wide exposures in various areas of retail banking and SME financing for 22 years with last assignment in the Treasury Department at Corporate centre. Thereafter he joined Life Insurance industry in the year 2006 as Chief Risk Officer in a leading private sector Life Insurance Company. With the all round experience in all major financial services i.e. general insurance, Banking ,investments and Life Insurance, he decided to make available his expertise by providing independent advice. The promoter is committed to spread financial literacy and guide clients to achieve their financial goals and realise their dreams by providing right financial planning advice.

Shri Praharaj is a leading columnist on Financial Planning and Insurance in The Financial Express. He has also taught MBA students Financial Planning at ITM,Vashi and Security Analysis & Portfolio Management at IIBM, Sanpada, Navi Mumbai.

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