Certified Financial PlannerCM

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Systematic Investment Plan

Financial Planning

Financial Planning is broadly defined as a process of determining an individual's financial goals, purposes in life and life's priorities, and after considering his/her resources, risk profile and current lifestyle, to detail a balanced and realistic plan to meet those financial goals. The individual's goals are used as guideposts to map a course of action on 'What needs to be done' to reach those goals.

Financial Planning is all about planning your future. Don’t wait, let’s begin the journey.

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track

Why do you need financial planning?
  • If you need expert advise in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio or adjust your retirement plan due to changing family circumstances.
  • Effect of inflation and tax implications.
  • What should we do to achieve financial goals like buying a home/car, Children’s education/marriage, retirement planning.
  • Whether or not you need any insurance coverage? If yes, how much & why?
  • Asset Allocation depending upon the risk appetite & financial goals?
  • How to deal with medical expenses, the same can destroy your wealth.
  • Systematic approach to use equity as an asset class?
  • Power of compounding & of rupee cost averaging?
  • If you want to get a professional opinion about the financial plan you developed for yourself.
  • If you don’t have the time to spare to do your own financial planning.
  • If you have an immediate need or unexpected life event such as a birth, inheritance or major illness.
  • If you feel that a professional adviser could help you improve on how you are currently managing your finances.
  • If you know that you need to improve your current financial situation but don’t know where to start.

Myth: Financial Planning is only for rich people
& not for small investors.


I have had never invested money in equity. However, I have been advised to start investing money in equities by Mutual Fund SIP. Now I know, how to take advantage from the equity as an asset class. Thanks for the great advice.

Rahul Saxena – MBA Marketing- IIM

“Thanks for the great service. I didn’t know anything about investing until I called Fcafe.You made it seem easy.”

Gaurav Mahtur- Head -IT

“I have been dealing with Financial Cafe for the last 3 years and I can vouch for professionalism and honesty in all their dealings. I have never had the need to look for another establishment for any of my financial requirements”

Dr. Rajeev Garg

“I used to lie awake nights worrying about how I was going to put two kids through MBA. Now I sleep like a baby. Thank you Financial Cafe”

Renu – Homemaker

I congratulate for good work and wish them best of luck for future.

Jasvinder Singh- Head- India & South-east Asia

Though my comfort in handling technicalities involved in financial domain has always been my forte in the past, Financial Café has helped me develop new insight about the financial planning. Indeed, Financial Café is perfectly suited for all individuals, who seriously believe in shaping the future.

Manoj Verma- Vice president- Sales

The simplicity & clarity in the approach adopted by financial café is remarkable. Their step-up approach is very pragmatic and easy to implement. I found portfolio rebalancing generating better returns as you put more money in equity when share market are lower level and withdraw money when markets are at their peak.

CA. Sachin Gupta

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