Financial Life Planner

Life Planning to ensure that your wealth will satisfy all your goals and last a lifetime


Financial life planning is a structured process of understanding your current financial state, your future goals and money needs and coming up with appropriate interventions that will ensure that your wealth lasts a lifetime. Some of the questions that are answered during this process are
  • Will I have enough money for my retirement and will it last a lifetime?
  • How will my Net Worth and my Income change over time in the future?
  • What expenses will I have in the future?
  • What will be my living expenses in the future?
  • How much money will I be saving each year?
  • How will Inflation and taxes impact my plan?
  • What is the ideal asset allocation for my life needs?
  • How will my Investments grow over time?
  • When will I have to start withdrawing money from my investments to support my living expenses?
  • Do I have adequate live insurance and health insurance coverage?

We are a fee-only SEBI Registered Investment Adviser (RIA) and we have helped many of our Clients secure their financial future. Financial life planning is only the first step of a two-step process. In the first step you provide us details about your current financial situation in a template provided by us. Based on this information we create your financial life plan and after discussing it with you, we fine-tune and finalize it. Once this is done, we create a financial action plan for you in the second step from the life plan.

Our Financial Life planning process

  • We start by sending you two excel templates, one for understanding your risk profile and another for understanding your current financial status
  • In the financial status sheet you will need to diclose your income, assets, savings, goals, expenses, liabilities, insurance, etc. All information so disclosed is held by us in the strictest confidence. We use this information solely for the purpose of creating a life plan for you and nothing else.
  • We also request your PAN details for the purpose of a KYC check
  • We collate all the information that you provide us and after checking it for errors we start the process of creating your life plan
  • In addition to the information you have provided us, we use reasonable estimates for parameters such as inflation, tax rates and expected short term and long term investment returns. You have the right to override our estimates for these numbers with your own numbers
  • We mail you the first draft of the life plan and solicit your feedback.
  • You review the life plan for correctness and completeness and inform us about any changes. We thus finalize the life plan in a couple of iterations
  • The life plan so created will clearly answer all the questions mentioned above

Read about

The 4 Ps of Personal Financial Planning

on our blog.

Testimonials

I run a business where income is variable due to the seasonal demand. Hence I was finding it difficult to plan for the purchase of a vacation home since I was worried about repaying the EMIs. Attainix helped me look at my entire financial situation and after review I found that I could quite easily afford the home that I had set my eyes on.
- Kalpesh Shah, Stockist for a large FMCG company, Ahmedabad

I had invested in some Mutual funds on my own and was worried that they were not performing as per my expectations. I needed someone to review my portfolio and suggest me changes. Mr Abhijit Talukdar suggested that a simple review will not be enough - I should list down my goals first. It took me some time to get convinced but I finally wrote down some of my financial goals. After this it was easy to see how Mr Abhijit aligned my investment portfolio in line with my goals. I can now track the progress I am making towards my goals without getting unduly worried about the performance of specific funds
- Madhumita Roy, Senior Manager and Homemaker, Nagpur

After 25 years of working in the IT industry, I decided to retire early and follow my passion for travelling. I like to travel to relativey unknown places and write about my experience on professional travel blogs. While embarking on this new passion I wanted to ensure that my financial situation was sound and will take care of my future. Abhijit Talukdar helped me in this process
- Vikas Khanna, IT Professional, Mumbai


Financial Life Planning Fee structure

PackageFlat FeeValidity
FP-NEW Rs. 5000 12 months
Our fee for the Financial Life Planning service is not only affordable but also fully refundable as per details below

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Notes:
  • Financial Life Planning fees are due in advance at the start of the service
  • Clients will have to fill up a brief Risk Profile form
  • Clients will also have to submit their financial details using a template that we will provide
  • We request Clients to limit their plans to no more than 10 goals. Additional goals can be accomodated at additional charges
  • In order to implement the Financial Life Plan, Clients will have to opt for a Financial Action Plan
  • The Financial Action Plan can be realized using the Mutual Fund Advisory and/or the Stock Advisory service
  • Fees paid towards Life Planning Services will be refunded back to the Client by crediting it towards immediate subsequent purchase of Mutual Fund Advisory or Stock Advisory Services towards preparation of the Financial Action Plan.
    Refund credit will be as follows - 20% credit on STARTER package, 40% credit on REGULAR package, 60% credit on PREMIUM package and 100% credit on all other packages


How to make payments

Payments can be easily made by NEFT bank transfer, cheque deposits or UPI apps like BHIM, GPay, PayTM, PhonePe, etc to our account at HDFC Bank at Mumbai, India. Our bank details are as follows:

  • Account No.: 00852560000667
    Account type: Current account
    Account name: Attainix Consulting
    Bank branch IFSC code: HDFC0000085
    Bank branch address: HDFC Bank, Regal Cinema Building, Shahid Bhagatsingh Road, Colaba, Mumbai 400039

Wishing you a life free of Financial worries!
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