Live RICH - Online goal based Financial Planning
A Comprehensive Goal based Financial Planning
Human Adviser
You will talk to a Human who Listen and Feel. Its a Personalized Service, not a Software Program
Time Efficient
You will get an Online Service Delivery , so you don't have to move from the comfort of your Office or Home.
Cost Effective
You will not have to pay a Bomb for your Financial Plan. Online Services are always cost effective.
Fiduciary
You will get an Unbiased advise & Transparent discussion with a CFP Professional.
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Financial plans are Customized and Personalized. The Online service delivery is just to improve upon the efficiency in the process, so you can have ample time to use it wisely on other important tasks.
Manikaran Singal, Chief Financial planner
Client's Experiences
"Manikaran Singhal is very knowledgeable and trustworthy Financial Planner . He provides a fresh impetus to your personal Financial planning by providing very transparent Pro\Con 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, Director, ITC Infotech, USA
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My experience with the whole financial planning an financial planner was EXCELLENT… I was in a mess and had absolute no knowledge of Financial Planning.
I used read a lot of articles, invest as per advise of friends but all in vein. Now I am on track and can see some money at my disposal. I am hopeful and confident for a brighter future with help of Mr. Manikaran.
Anoop Bhardwaj, GM, HSIL, Gurgaon
What Financial Planning is all about?
As the name suggests, financial planning is the process of thoughtfully organizing your finances to help you achieve both short- and long-term goals with clarity and confidence. While investments are a part of the process, they are not the starting point. Sound financial planning begins with a detailed understanding of your cash flows, assets and liabilities (net worth), and your risk profile—only then can a suitable asset allocation and investment strategy be recommended.
A Profession Built on Trust and Transparency
Financial planning is a Fee-Only profession regulated by SEBI (Securities and Exchange Board of India). If someone offers financial advice "for free," it should raise a red flag. Such services are often compensated through commissions, creating a potential conflict of interest—which SEBI strictly prohibits in the advisory space. As Fee-Only Planners, we work exclusively in your best interest, with no hidden agendas or product-based incentives.
More Than Returns—It’s About Financial Wellness
When it comes to personal finances, vigilance is crucial. A well-structured and professionally managed financial plan contributes not just to your financial wellbeing, but also to peace of mind across other areas of life. It's not just about chasing returns—it’s about building a structure that is easy to understand, practical for your family, and robust enough to support your life’s transitions.
Financial planning goes beyond accumulation. It equally emphasises preservation, distribution, and clarity.
How we do it?
Frankly, financial planning is a team effort—and your active participation is essential. You are not just a client; you are a co-creator of your financial plan. This isn’t about handing over money and expecting to be judged solely on returns. It’s about building a roadmap for your financial wellbeing—something that, much like immunity, can’t always be measured in numbers but is deeply felt in day-to-day peace of mind.
To craft a meaningful plan, we start by gathering your complete financial data. This includes understanding your income and expenses, lifestyle, assets and liabilities, personal and family goals, and any specific financial concerns. We also conduct a detailed risk profiling exercise to determine the most suitable asset allocation for you.
All this information comes together to create a holistic financial plan—one that acts as a GPS for your future decisions, helping you navigate life’s financial crossroads with confidence and clarity.
What your Financial Plan will have
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Lets Discuss in Detail
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