Here’s how you can know if your goals and your bucket list are threatened.
- Do you feel that your approach towards your money is not structured?
- Do you feel lost looking at your investment portfolio? (or don’t even know where all the money is…it’s true for many people)
- Do you feel constrained for time or effort to make the right investment decisions?
- Do you feel the money is getting wasted in the bank and not working for you?
- Do you feel you are paying dumb commissions on your investments to the bank without getting the right advice?
- Do you feel it is too late now?
Each of the above listed issues can lead to an underperforming portfolio not just in terms of returns but also in terms of what you can make your money do for you.
More: Why did I become a fee only financial planner?
But with the right advice from a fiduciary, you can do better.
I am a fee-only financial planner and a SEBI Registered Investment Adviser. I have worked with more than 500 clients over the last 15+ years. Linkedin Profile
I am happy to help you uncover these aspects of your investments and personal finance. I am willing to work with you to build a plan that structures your investments, creates focus, generates behavioural alpha and helps you achieve your financial goals, faster.
Build a Plan that serves your goals and makes your money work harder
By itself, money has no meaning unless it helps you achieve your goals and enables a fulfilled and meaningful life.
Financial Planning is an exercise to map your money and your life goals. It helps you answer the most important question.
What do you want your money to do for you?
Once this is done, you can then take appropriate action steps to achieve your life goals, financially.
In this engagement, my focus is to listen to you and understand what is important to you, what do you want out of your money and investments.
This would lead to listing of your financial goals and setting priorities.
Post that, we would analyse and see what is the best strategy to reach the identified goals including an asset allocation (what should be invested where).
We will then go on to identify the most suitable investments to execute the investment strategy including appropriate risk management.
You would also understand how can you protect yourself and your dependents adequately with the use of insurance.
This service also includes a review of any existing investments that you might have. Yes, if there is any junk or things that were just piled on you, we would see the best way out for them too.
This is not just a number driven exercise. The foundation of this service are the conversations that we have. At the end of it, you will feel empowered and confident to achieve your goals.
Here are 50 decisions that you can assess with financial planning.
Yes, we also figure out how can you stop making unnecessary interest payments to the bank and make your money work for you.
We look at taxation of various investment products and how you can build your own tax efficient portfolio.
Once the plan is finalised, the next step is taking action on it. We will draw a checklist of all action points.
More often than not, those who engage with this service, end up realising that they can do more with their resources.
This is relevant for you – if you are 20 years or more into the career, about to retire or simply have just started. What’s better than laying a solid foundation for your finances now!
With this engagement, we ensure that you STOP making random transactions that have no fit with what you want to achieve with your money and create a focused investment portfolio that delivers on your goals.
Narendranath Baliga, CFO & VP, Finance & Corporate Processes South Asia at BASF India Ltd, Mumbai
Vipin plays his role of an advisor to perfection. While I have been investing in MFs for long and have accumulated some knowledge in the process, interacting with Vipin took the discussion to the next level.
He has the maturity to guide you in the direction you want to go (without overbearing), always patiently highlighting the pros and cons of such a move. He being a fee-only advisor, you can be sure of getting unbiased opinion. The periodical blogs are also a good source of information on relevant topics.
To summarise, it is an engagement worth many times the investment in fees.
The Benefits don’t stop
#1 Build a focussed portfolio
Focus is the differentiator between a winner and also ran. Too many funds or other investments instruments, chasing an elusive alpha has not served your well.
#2 Diversify with Asset Allocation
Asset Allocation accounts for >90% of the portfolio success. Taking into account your profile, deciding a suitable asset allocation and then sticking to it is the most important action item.
#3 Portfolio Construction
Stocks, mutual funds, international equity, fixed income instruments, real estate, gold. Let’s pick the right investment instruments that work for your goals and help you optimise your taxes, liquidity and cash flows.
#4 Timely Rebalancing
Over time, your savings flow will change, markets will go up and down, personal challenges will emerge – your investment portfolio too should reflect those changes and be adjusted accordingly.
#5 Create behavioural alpha
Your interests come first, always. We get paid by you and it is your interest that we serve. The focus is on getting your cash flows aligned rather than the seller’s or product manufacturers.
Write to me at firstname.lastname@example.org or call me at +91 99203 71082. It would be great to know about you, your work, what’s important to you and what are you looking to achieve with your investments.
Client Experience and Testimonials
Vaddadi Kartick, Developer @Noctacam, Ex-Google, Bangalore says
I have been working with Vipin and have been impressed by his knowledge and advice, and by his tendency to share his insights with people who aren’t paying him, on his blogs, as opposed to people who have a zero-sum view of the world.
Vipin is analytical and data-driven, and is ready to say that he doesn’t know something when he doesn’t, rather than blustering his way through.
Vipin has been helping me improve my investments, insurance, financial planning, retirement planning and managing my expenses.
I know a lot about investing, but still benefitted significantly from Vipin’s advice. I think that no matter how good you are at investing, you’ll benefit from an expert’s advice.
Sriram Saroop, Product Manager, Google, Bengaluru
I recently moved from the US to India and was looking for some financial advice on how to go about investing in India. Given the number of Mutual Funds and other financial instruments available in the market, this was a daunting task.
I came across Unovest from the insightful blogs that Vipin writes. Based on the initial conversation with Vipin, I signed up for a Financial plan. Vipin made me think through my overall life goals and understand my current financial situation with a lot of rigor. He then helped me understand where I currently stand and where the gaps were. He then suggested clearly actionable next steps spanning insurance, consolidating investments, removing investments that didn’t make sense, reallocating funds towards the right asset allocation etc.
Finally he gave a clear and solid investment plan that provides good diversification across asset classes, market segments with little portfolio overlap. Overall, I feel Vipin provided me a lot more clarity on where I currently stand and how I should go about investing both my current wealth and future income to work towards financial freedom and my longer term goals. His rigor, insights, no-nonsense approach and ability to provide personalized advice makes him stand out.
I would strongly recommend Vipin to anyone who wants to get their finances in order.
Sanjeev Arora, Head – Supply Chain Management at American Towers, Gurgaon
Before meeting Vipin in his earlier office in New Delhi, sometime in 2006, I used to invest a lot in FDs and NSCs and considered them to be an effective money multiplier.. feeling happy. However, thinking horizon was limited. The entire rationale got changed after understanding what is SIP, financial planning for individuals, goals setting, expectations and how easy is to meet them in a planned manner with few simple but committed actions.
Mutual funds investments are absolutely safe and has a major role to play in financial future planning of individuals ageing 16 to 60 irrespective of what profession they are in, salaried or business or even retired. In fact, no other option is left.. One should talk to an expert and understand it today; sooner the better.
My finance portfolio got transformed after meeting Vipin, even after passing through 2 significant market crashes and recession phases, it withstood well and kept paying a handsome return. Mutual fund Investment with long term plan, meticulous and with patience will pay us more than we expect from it, that is what I have experienced in last 9 years. Enjoying it further…
It will not be fair if I do not thank Vipin for doing almost everything for my financial planning with his HONEST advises. Now I know what do I want, how it can be achieved and by when.
Dipanjan Das, CEO – GreyCells18, Network18
I have known Vipin as a financial advisor for more than a decade. An astute professional, Vipin brings to the table supreme competency, understanding of the business environment & business drivers, unflinching responsiveness to the customer and a supreme skill to craft a financial plan that stood for me year after year, every time. I am making a very binary statement here. I have always gained from Vipin’s advice and attribute his advice to be a major factor in my asset building activities over all these years.
Piyush Dhimate, Specialist – Product Development at FIS
I had a financially empowering experience with Vipin. I was pretty much confused when I had decided to invest in Mutual funds but Vipin along with Unovest’s goal oriented approached help me invest the right amount at the right place and most importantly for a purpose. As I communicated the many questions I had, I could see how deep Vipin’s financial assessments ran. At this point in time, my decision to seek his professional advice has given a good kick start for my investments.
Sahil Wadhwa, Lead Application Developer at Equal Experts
I had been a victim of bad financial advice from friends and family until I accidentally landed on blogs by Vipin on Unovest. My financial strategy has totally changed after that. Genuine and thought-full advice which I get through Unovest along with its unique reporting features gives me more comfort & control about where my money is going and how it’s performing. Now I am moving to do all my transaction and tracking from Unovest only. This trust with Vipin & Unovest has actually encouraged me to double my investments since last year so as to secure my future financially.
Nakul Gupta, Sales Director, South Asia at GE Aviation, Singapore says
I first got acquainted with Vipin over a decade ago when he was a part of the financial advisory firm I had enlisted for my personal finances. I am privileged to have him as my Financial Advisor and in many ways, my life coach!
Vipin’s greatest strengths are in-depth research and communication skills. Being a voracious reader and natural networker, he has a vast body of knowledge to draw upon while proposing financial solutions to meet one’s goals. He particularly endears to me due to his simple demeanour and “genuine” intent to help rather than pursue any selfish vested interest. When he makes recommendations, they are never based on gut feel, rather are data backed and emerge as the outcome of weighing pros and cons of several potential options.
As is evident from his blog, his writings are easy on the eye and stimulating for the brain. He is equally lucid in verbal prose. He explains his thoughts in a simple, straight-forward manner that is easy to comprehend.
In the past few weeks itself, he has helped me make subtle changes to my portfolio (including loans, insurance, mutual funds, debt funds and real estate) to yield significant benefits in the short and long term. Further, he has enlightened me on many new books, apps, etc not just in the financial domain. Thank you Vipin for becoming a precious partner in my success!
Dr Saifuddin Kharawala & Swati Rajput, Consultants, Navi Mumbai
We have greatly benefited, both financially and otherwise, from this association.
We have enjoyed our interactions on a personal level. In terms of the financial advice, we have benefited from your clear organised approach. We did not have a clear idea of what to do with our savings, and your advice has helped to educate us and to provide direction.
While the financial analyses involved may be slightly complex, your concepts are simple, logical and straightforward; and your advice has been tailored to our risk appetite and our requirements. With your recommendations, our money has definitely been put to much better use than before! In this world where financial predators abound, its been great to have an informed friend on our side 🙂