One document covering every goal, every account and every premium, reviewed twice a year. The starting point for anyone who has products but no plan.
What this actually does for you
Most people own products, not a plan
Three policies, two SIPs and a deposit bought at different times for different reasons rarely add up to a coherent whole.
It shows overlaps and gaps
Duplicate cover, six funds holding the same companies, or no health insurance at all — these only become visible when everything is on one page.
Goals get priorities and dates
Competing goals stop competing once they have dates attached and a sequence.
It survives you
A single document your family can find and understand matters enormously at the worst possible time.
Honestly, who should and shouldn’t
✓ This is for you if
- You hold several products bought at different times and are not sure how they fit
- You have multiple goals competing for the same monthly surplus
- Your income has changed significantly and the old arrangement no longer fits
- You want one person accountable for the whole picture rather than several product sellers
- You want your family to be able to understand your finances without you
✕ This isn’t for you if
- You want a single product recommendation quickly — that is a different conversation
- You are not willing to share the full picture; a partial view produces a partial plan
- You want investment advice for a fee, which requires SEBI Registered Investment Adviser registration and is a different service
- You expect the plan to be fixed forever; it needs reviewing as life changes
When this matters most
A simple first plan. Emergency fund, cover, one or two goals.
The most valuable stage, when several goals overlap and the surplus is contested.
Consolidation and the shift toward retirement need deliberate structuring.
Drawdown, estate arrangements and simplification.
5 steps
- 01Gather everything
Every policy, investment, loan and account. The picture is only useful if it is complete.
- 02List and date the goals
What you are trying to achieve, when, and roughly how much.
- 03Find the gaps and overlaps
Where you are under-covered, over-covered, or duplicating.
- 04Allocate the surplus
Which goal gets what, and in what order.
- 05Review twice a year
Scheduled, not reactive. Most changes are small; the value is in catching drift early.
Read this before you commit
Undisclosed loans or investments produce recommendations that do not fit your actual situation.
We are remunerated by the product manufacturers, not by you. That is worth knowing when you weigh any recommendation, including ours.
A plan from four years ago that has never been revisited is a historical document, not a plan.
Change the assumed return and the required contribution changes with it. We show the range rather than a single figure.
Structuring improves the odds and the discipline. It does not guarantee outcomes.
Common questions
What does this cost?
There is no separate advisory fee for this conversation or for the plan we put together with you.
What do I need to bring?
Details of existing policies, investments, loans and income. The more complete the picture, the more useful the plan.
How long does it take?
Typically an initial conversation, then a plan presented within a couple of weeks, then a review schedule.
Do you sell products as part of this?
We are a distributor, so yes, implementation usually involves products we distribute. We will always show you what the alternatives are, including doing nothing.
Is this the same as investment advisory?
No. Fee-based investment advice requires SEBI RIA registration and is a separate regulated activity. We distribute products and help you structure around them.
Ask about The Blueprint
Our team calls back within one working day. Nothing is sold on the first call.