◈PlusFinance

Financial Planning

A clear roadmap to every financial goal you have

Whether you're planning for retirement, your child's education, or simply want to grow your wealth — we build a personalised financial plan that works for your life.

What We Cover

Retirement Planning

Build a corpus that lets you retire comfortably — on your own terms.

Goal-Based Investing

Child's education, wedding, dream home — we attach a number and a plan to every goal.

Tax Planning

Legally reduce your tax outgo with smart use of 80C, 80D, and other provisions.

Cash Flow Management

Understand where your money goes and optimise your saving rate.

Estate Planning

Ensure your wealth passes smoothly to the right people.

Emergency Fund

Build the financial cushion that lets you take risks confidently.

Our Process

01

Discovery

We understand your income, expenses, liabilities, goals, and risk appetite.

02

Analysis

We map your current financial health and identify gaps.

03

Plan

We create a detailed, written financial plan tailored to you.

04

Execute

We help you implement — product selection, paperwork, and setup.

05

Review

We revisit your plan every year or when your life changes.

A Worked Example

Take a 32-year-old with a ₹1.4L monthly take-home, ₹6L in savings sitting idle in a bank account, and a vague goal of "retiring comfortably." A financial plan turns that into numbers: assuming 7% inflation and a target corpus of 25x annual expenses at 60, the retirement goal alone needs a monthly SIP of roughly ₹18,000-22,000 in equity funds, started now rather than at 40.

The ₹6L idle balance gets split — an emergency fund of 6 months' expenses (~₹3L) stays liquid in a sweep-in FD or liquid fund, and the rest is deployed toward an existing gap, such as inadequate term cover. We also map this against Section 80C (₹1.5L) and 80D (₹25,000-₹75,000 depending on parents' age) limits so the plan is tax-efficient by design, not as an afterthought in March.

Frequently Asked Questions

Our financial planning consultation is free. We earn through standard, disclosed commissions or fees only on the products you choose to invest in — never a hidden planning fee upfront.

No. Financial planning is about structuring your goals and cash flow, not the size of your portfolio. We work with clients starting SIPs at ₹500 as well as those with existing seven-figure portfolios.

A mutual fund is one product. A financial plan links every investment, insurance policy, and loan you have to specific goals — retirement, education, a home — with a timeline, so decisions are coordinated instead of ad hoc.

Related Reading

Financial Planning

What A Financial Plan Looks Like When Nobody's Trying To Sell You Anything

Most people who ask me for a financial plan have never actually seen one. Here's a real 12-page plan, section by section — including the page that genuinely surprised the couple it was written for.

11 July 2026 · 7 min readFinancial Planning

The 30-Minute Conversation That Changes A Retirement Number By ₹40L

A 43-year-old bank manager from Rajkot was saving ₹20,000 a month diligently — and still on track to retire ₹40L short. The fix wasn't saving more. It was one allocation decision, and the maths is worth seeing in full.

3 June 2026 · 6 min readFinancial Planning

Emergency Fund: 6 Months Of What, Exactly

Every article says 'six months of expenses' and stops there. Does the EMI count? School fees? The SIPs? Here's how I actually build the number, line by line, for one real Pune household.

23 March 2026 · 6 min read

Get Expert Financial Planning Advice

Book a free consultation with Yatri Bhatt and get clarity on your financial planning needs.