Throughout my service life I managed my finances in an ad hoc manner but I could not take a chance with my retirement corpus and hence I engaged Mr Vipin Khandelwal (Unovest Financial Services) as a financial advisor.

The most important factor in my opinion is that it has given me the confidence that we (me and my spouse) will not be short of money for our whole lifetime and can continue to enjoy life in our present lifestyle with travel and hobbies added. This financial assurance has made us quite stress- free.

My corpus is now being managed in a professional manner with the right mix of safety and growth and I always get personal advice where to dip my hand when I require some extra money for my one-off needs. With access to the smart Univest tool I can also review my investments from time to time.

I have experienced that Mr Vipin Khandelwal is quite knowledgeable in his field and takes care of my finances with due diligence. He takes a holistic view of your expenses and corpus and plans accordingly. His gentlemanly behaviour and friendly way of interacting is an icing on the cake.

I think I have taken the right decision and have been continuing with his services for the last five years. I would recommend him as a personal financial advisor without any hesitation.

For us, Vipin ji is our go-to-man for everything! He is our Financial advisor,our guide, life couch, and our one true friend on which we can trust for his unbiased and invaluable advice both on his domain (on which he is undoubtedly an expert’s expert) and life in general, but most importantly the man with ‘a real big heart’ with a genuine desire to help and serve. In short, he is always there when we need him. And you can also be rest assured that he will leave no stone unturned to help you reach your financial goals faster and make your money lasts longer to the maximum extent possible. When we first approached him with our tiny portfolio, my husband had just retired and we were clueless about what to do with our little fund and how best to manage it so that it lasts. We were a little hesitant, awkward and a little bit worried whether he would agree to take this huge responsibility of managing such a tiny portfolio. But not only he agreed to give us his invaluable service, but also gave his genuine assurance that he would try his best to manage our fund within the limitations. And rightly, he has given our money the kind of discipline and structure it needed through the right allocation of resources so that we can achieve optimal utilization of funds to the maximum extent possible. And we know that we are in the best of hands.Not only his exceptional fund management skill has made it possible in more than doubling our fund value over the years, but also took out the stress from our life as to how to manage our fund. Thank you, Vipin ji! Wish you every success and happiness you deserve.

I began my financial planning journey with Vipin in 2020, thanks to a recommendation from a close friend and colleague. At that time, I was just starting to save, with my loans and other commitments nearing completion. Most of my investments were in real estate, and I had no exposure to equity. I also lacked term insurance and only had the health insurance provided by my employer. I held several LIC policies, but overall, my financial portfolio needed a thorough revamp.

Vipin began by helping me organize my finances from the ground up. He took the time to understand my short- and long-term goals, and based on my income and time frame until retirement, he recommended the appropriate term and health insurance coverage and set up my emergency funds. Following his advice, I gradually started investing in mutual funds and began building a more balanced portfolio.

One of the things I appreciate most about Vipin is his annual financial review process. It’s a valuable exercise where we reassess my finances, goals, and investment strategy, ensuring that everything stays aligned. He is always available and approachable—I often reach out throughout the year to discuss new ideas or strategies I’ve come across. Vipin encourages exploration without letting you make risky decisions. He carefully explains why something is a good or bad idea, always in the context of my current financial situation and goals.

Over the past five years, I’ve learned and grown tremendously with Vipin’s guidance. I’m deeply grateful for his advice and support, and I want to thank him from the bottom of my heart for being such a dedicated and insightful advisor.

Working with Vipin has freed me from the worry of making financial mistakes that will only be apparent later when it's too late to rectify. I have a peace of mind that my financial plan is comprehensive. He’s prompt and acts as a coach rather than just a planner for us. Instead of chasing market trends, he focuses on building a solid financial foundation for the future.

Since 2016, Vipin from Unovest has been my Financial Advisor. I learned the ropes of Financial planning and discipline from him. Over the years, his clarity of thought, keeping it simple  and fundamentals oriented while planning helped declutter and avoid noise. He has been a mentor and sounding board in my decision making while investing in breadth of financial instruments. Looking forward to many more successful years together.

Interestingly, while I only started working directly with Vipin in 2023, I was already familiar with his work. I had been using his platform, Unovest, as far back as 2017. Unovest was one of the few platforms at the time offering commission-free direct investments in mutual funds. It had so many unique features—like an "X-ray" view into all mutual funds and the ability to manage family accounts—which made it really stand out. So, in a way, I’ve been benefiting from his expertise for a long time, even before we ever spoke!

I had worked with financial advisors before, but I was searching for someone who could guide me for my complete portfolio and not just MFs or insurances, and can make recommendations for the complete portfolio based my real risk appetite. Secondly, while so far I had primarily taken all the major financial decisions, I wanted my wife also to be part of the process here on out.

That's where Vipin stepped in and made a real difference. He has this incredible way of keeping you grounded, reminding you of your long-term goals, especially when you feel tempted to go off track. I often run my wild investment ideas past him, and he's always there to give honest, straightforward advice. He always involves both myself and my wife in discussions and specifically asks about both our opinions. He also understands the emotional aspects of financial decisions, and focuses on practical advice rather than always going by the finance-rule-book. What I really appreciate is how he can turn serious discussions into something lighthearted with just the right amount of humor. He also throws in some practical life advice along the way, which makes our conversations even more worthwhile.

Despite having years of experience in the investment world, he never comes across as preachy. He genuinely listens to what I have to say and is open to exploring my ideas. He's also accessible whenever we need him.

I've been working with Vipin for almost two years now, and the important thing is that I don't feel stressed about my investments. We're in sync when it comes to our investment philosophy, which has brought me a lot of peace of mind. While there is some FOMO at times when I see others taking different routes with their investments, I largely feel content and at peace with the investment approach.

Vipin has been my financial advisor for about 3 years now. I mainly choose him because of his flexible approach to financial advisory. He is willing to talk through almost any investment type and provide responsible honest guidance on the same. I also like his hybrid approach to investing where the majority of investments are still in MFs and ETFs but he doesn't shy away from trying to generate alpha through investment in stocks, though in a limited capacity depending on the risk taking capacity of the client. He was also flexible in advising me on my international investments too. And he is willing to help educate clients about personal finance too if one is inclined. In short, he is very hard working and has a very dynamic approach and tries to stay up to date with the market and instruments through research. I highly recommend Vipin's Unovest for financial advisory services.

As a young salaried employee who just started making enough money to overcome the needs and stuck with the mentality of "now I deserve this and i should buy this". The only reason to be able to shake this mental and financial debt out and start understanding the reality of money was only possible due to Vipin's advisory. The feeling of being on the journey to be financially free is itself an amazing experience. Engaging with Vipin on this financial journey has generated a feeling of confidence in securing the financial freedom of me and my family along with learning the right way to identify monetary wants/needs/desires and decide accordingly.