Your ambitions are big
your
financial plan should be bigger
We help you align your wealth with your goals — through thoughtful, personalized planning that supports your evolving career, lifestyle, and legacy aspirations.
What We Often Hear from Professionals Like You
01
Uncertain Job Security and Business Challenges
Even in a high-profile role, the future can feel unpredictable
02
Multiple Responsibilities: Self, Family, Parents, Kids
You're the go-to person for everyone — and it’s a lot to handle.
03
Confusing Employee benefits and their impact on Personal finance
ESOPs/RSUs, EPF/VPF. Health Insurance, NPS, Perquisites, how to move forward with all.
04
Desire for High Returns with Low Risk
You want your money to grow, without losing sleep over it.
05
Many Distractions - Too Much of "Gyan" around
Friends, blogs, YouTube, bankers — who do you actually trust?
06
Lack of Clarity on Existing Investments and Future Steps
You are invested in bits and pieces, but it doesn't feel like a plan.
Are These on Your Mind Too?
How can I manage all responsibilities while ensuring personal happiness?
Balancing work, family, and self often feels like a constant juggle — is there a smarter way?
How do I prioritise multiple financial goals?
From Kids' education to Personal Retirement - What Comes first and How do i align it all?
Where should I invest to achieve my objectives?
So many options, yet what really fits my life, risk profile, and timeline? Some are employment benefits, and some i need to plan for.
How can I maintain a budget and discipline in savings/investments?
Earnings are fine — but consistency is tough amidst lifestyle pulls and pressures.
How do I secure the present and save for the future, even in my absence?
What happens to my family if I’m not around — is my financial house truly in order?
You need to look at your Life Holistically
When you try to solve your financial concerns in isolation, you may miss the bigger picture—and that can lead you away from your true life goals. It’s essential to view all your numbers, expectations, desires, and goals together, and align them with your current and future resources. If something doesn’t add up, you may need to revisit your assumptions, revise your budget, adjust your investments, or even reconsider the goal itself.
This is not a one-time exercise—and it’s best done with a professional. Someone who can help you organize your finances, identify gaps, encourage sound decisions, support your action plan, and guide you through the nuances of taxes, investments, fund usage, and distribution.
Remember: You have to be good with money—so that money can be good with you.
With Our Personal Financial Planning Services, we will help you understand yourself and your finances, and what do you need to do to organise and structure it in a way to achieve your financial goals.
Our Clients say...
“
Manikaran is a brilliant family physician/doctor albeit for my finances. He is the person with whom I discuss all my major financial decisions including indulgences :). He has got to know my personality in-depth and always suggests solutions that are tailor-made for meAfter having worked with him over the last few years setting my finances in order, I am today, very confident about my financial health
Shreejit Nair
North Head, HCL
“
Manikaran Singhal is very knowledgeable and trustworthy Financial Planner . He provides a fresh impetus to your personal Financial planning by providing very transparent ProCon view of various financial schemes available in the market.His greatest strength lies in his deep knowledge of the Banking Sector along with Insurance and Mutual Funds . He has always under promised and over achieved which should be a trademark quality of any Financial Planner . Happy to have him provide me with his expert service”
Yadvinder Changotra
Program Director, ITC Infotech, USA
“
One major thing I learned after working with Manikaran is that, you save so much of time which you otherwise would have spent worrying about your investments, its returns, your goals or searching for better products, reading financial books, following Money control or CNBC and other media channels. With a financial planner by your side, you enjoy your time and give your time to the other important areas in your life. I am proud of my decision.
Dr. Sachin Gupta
Senior Manager, 1mg
How Your Financial Planning will be done?
You may also tell us to Manage Investments for you
As an Ongoing Service, you may like us to Manage all the Investments for you. We will help you Execute the suggested investments, and monitor the Same keeping the Financial Plan as Base. We will also do Regular Review of Financial plan and Investment Plan so to keep them viable in the current scenario too. We will answer your questions and keep discussing the action plan.
All This So You can Focus on Other Important Areas of Life where Finances does not Matter Much
Service Plans
Whichever Service you opt for, one thing is for sure that you will feel more organized, disciplined and in Control of your Money Life.
Financial Planning
Investment Planning
Premium Services - ZERO Worries
In Today's Online World, where everything looks to be FREE, Its natural to be apprehensive to engage a FEE ONLY Professional, where you don't even know the exact outcome. So, let me take away the risk from you, and assure you that during the complete process, where ever you feel that you are not finding the same useful or not as what you had expected...we will refund you the 100% payment. No Questions Asked.
Frequently asked questions
Regularity depends on the Complexity one has in its Financial Profile. Generally, it is an annual exercise, but in many cases things have to be reviewed Bi Annually and in some cases after 2 -3 years.
Financial plan may be done after specific Intervals. but Financial Planning is an Ongoing Process. Your Income Changes, Major expense change, Tax structure Change, Changes in Goals and Goal Posts, Changes in Family Structure etc. all calls for tweaking in your Financial Plan if not Redoing it.
We have both the offerings. With and Without Implementation. Its completely your choice. If you feel that you can do the review and monitoring in a better way, then yes save the cost and do it yourself.
Else allow us to Professionally handhold you in the whole journey..
To Serve Well, a Good Professional have to have a Professional Team. However, It is also important to be part of each and every financial plan, so one should be aware if the team is doing it in the right way or not.
Moreover, to me it is a profession and not a business. So i personally take care of all my clients. I (Manikaran Singal) involve myself in all the plans and Reviews. In fact i am the one who interacts with all the clients on all Financial planning issues. Implementation /Execution may be done by the team, but I will take care of the Review and recommendations part.
There is nothing FREE in this world. In fact there's a saying that if you are getting something for FREE then You are the Product. No professional will Serve you for FREE. However if they are still doing it, then either they are doing Charity work or selling you some Investment products and earning commissions out of it. And they may be earning more than what they could have asked for FEE...this is called Conflict of Interest.
Financial planning is a specialized professional service which is required to be provided by SEBI Registered Advisers only, and you shall not expect Cheap Service from experienced professional.
Yes, we do this best. In fact 90% of our clients prefers this online route only. We are in touch with them through Phone, Email , Google meet, Zoom/Zoho Meet, WhatsApp etc. Things are going smooth. In this Fast Paced world, no one has time for personal meetings, and with technology we reduce the distance and provides cost effective advice.
No Professional can give guarantee of anything. They only can handle things the best of their Knowledge, experience and Wisdom.
No doctor can give guarantee of curing the patient, No Advocate can give guarantee of winning the case, same way no Financial planner can give guarantee on Investment Return.
What we can ensure is that Process be followed diligently and intelligently provided we keep getting client's Support and responses timely.