Estate Planning
Ensure your wealth reaches the right people — at the right time, with minimum frictionEstate planning is not just about writing a Will — it is about making sure every rupee you have built reaches the right people, through the right instruments, with minimum friction. As your financial planner, we coordinate the full picture.
What We Offer
Nomination Audit
We review and update nominations across all your financial instruments — mutual funds, insurance, bank accounts, PPF, EPF, and demat accounts.
Life Insurance Gap Analysis
We calculate exactly how much life cover is needed to protect your estate, fund your family's lifestyle, and clear outstanding liabilities.
Joint Account Structuring
Advise on "either or survivor" bank and investment accounts to ensure seamless transfer without legal delay.
MF & Demat Transmission
We guide your family through the process of transferring investments after death — step by step, AMC by AMC.
Loan Protection Planning
We link home and vehicle loans to appropriate term cover so your liabilities don't become your family's burden.
Will, Trust & PoA Referrals
For Will drafting, trust creation, and Power of Attorney, we connect you with empanelled lawyers — and stay involved as your financial coordinator.
Our Estate Planning Process
A clear, repeatable process — so you always know what happens next and why.
- 01
Estate Readiness Assessment
We walk you through a structured checklist to identify gaps across nominations, insurance, documents, and legal instruments.
- 02
Nomination & Insurance Audit
Every financial account and policy is reviewed for outdated or missing nominations. We calculate your family's exact cover requirement.
- 03
Asset Documentation
We help you create a centralised record of all assets, liabilities, and documents — and ensure your family knows exactly where to find them.
- 04
Legal & Tax Coordination
We refer you to trusted lawyers, CAs, and company secretaries for Will drafting, trust creation, and inheritance tax structuring.
- 05
Annual Review
Marriage, new assets, children — life changes your estate plan. We revisit it every year and after every major life event.
A Worked Example
Figures are illustrative, based on typical scenarios. Your numbers will differ.
A common gap: a client with a ₹40L mutual fund portfolio, a ₹25L PPF balance, and a life insurance policy still has their unmarried college nomination from 2014 listed as beneficiary — 12 years and a marriage later. On death, this doesn't make the transfer illegal, but it forces the family through a legal-heir certificate process that can take 6-18 months, versus a same-day nominee claim with an updated nomination.
Our nomination audit typically takes under an hour per client and catches these gaps across every mutual fund folio, insurance policy, bank account, and demat holding — usually finding at least one outdated or missing nomination even among clients who consider themselves organised.
What we don't do.
The financial industry has habits that quietly cost clients money. These are the ones we have chosen never to practise.
Lead With Complex Products
We don't start with trusts and PoAs when basic nominations are missing. We fix what matters most first — simply and quickly.
Act as Legal Advisors
We are financial planners, not lawyers. For Will drafting and trust creation, we always refer you to qualified legal professionals.
Let You Procrastinate
Estate planning feels non-urgent — until it's too late. We give you a clear action list and follow through until every gap is closed.
Ignore Business Succession
If you run a business, your personal estate plan is incomplete without a succession plan. We make sure it's always part of the conversation.
Treat It as a One-Time Exercise
Marriages, births, new assets — life changes your estate plan. We review your estate readiness every year so nothing falls through the cracks.
Miss the Human Conversation
Estate planning involves difficult conversations about mortality. We approach them with sensitivity, care, and the long-term view your family deserves.
Questions, answered.
Do I need a Will if I already have nominations on my accounts?
What is the difference between a nominee and a legal heir?
When should I start estate planning?
Learn before you decide.
Get expert estate planning advice.
Book a free consultation with Yatri Bhatt and get clarity on your estate planning needs.