Financial Planning & Management
Goal-based financial plans covering cash flow, insurance, debt, tax, investments and retirement, with regular reviews.
- Estimate Cost
- ₹5,000 – ₹50,000
- Typical duration
- 10 days
Service overview
- Financial Planning & Management combines all aspects of your financial life—income, investments, insurance, taxes, and major life goals—into a single roadmap
- This service brings structure to your wealth creation, ensuring every financial decision aligns with your risk profile and long-term aspirations
Who needs it? / When is it needed?
- Working Professionals & Executives: Individuals seeking structured wealth creation alongside busy careers.
- Families Planning Milestones: Anyone preparing for major life events like child education, home purchase, or wealth transfer.
- Business Owners: Entrepreneurs looking to align business profits with personal wealth growth and risk protection.
What to expect from the WCP Professionals
- Diagnose Financial Health & Goals: WCP professionals evaluate your current net worth, income sources, existing insurance coverage, and categorized life goals.
- Audit Risk Profile & Asset Allocation: WCP professionals assess your risk tolerance, liquidity needs, and current portfolio imbalances across asset classes.
- Execute Integrated Master Plan: WCP professionals design an integrated blueprint covering asset allocation, emergency buffers, insurance coverage, and goal-indexed investments.
- Fix Strategy & Implementation: WCP professionals coordinate the setup of recommended investment channels, insurance policies, and tax-saving instruments.
- Review & Portfolio Rebalancing: WCP professionals conduct bi-annual reviews to monitor progress toward life goals and adjust strategies for market or life changes.
- Final Delivery: You receive a complete Master Financial Plan, Risk Analysis Report, and Execution Dashboard.
Key deliverables
- Comprehensive Net Worth & Financial Health Audit.
- Personalized Master Financial Plan & Goal Matrix.
- Risk Profiling & Insurance Adequacy Report.
- Bi-Annual Review & Rebalancing Schedule.
Standard turnaround time
- Data Analysis & Plan Draft: 5 to 7 working days.
- Final Plan Presentation & Setup: 10 to 14 working days.
Government fees, timelines & key outcomes
- Government Fees: Nil (Advisory service).
- Statutory Timelines: N/A.
- Key Outcomes: Complete clarity on financial trajectory, fully funded emergency & risk buffers, and organized goal progress.
Forms & filings involved
- Central KYC (CKYC) & Investment Account Opening Forms.
- Risk Assessment Questionnaire
Documents required
- PAN Card, Aadhaar Card, and passport-size photographs.
- Last 3 years' Income Tax Returns (ITR) and Form 16.
- Statements for existing investments, bank accounts, loans, and insurance policies.
What we need from you
- Transparent sharing of financial goals, time horizons, and current commitments.
- Prompt completion of KYC verification and authorization steps.
Important conditions
- Financial plans are dynamic and require periodic review to remain effective against inflation and market shifts.
- All projections are based on historical market trends and client-provided data.
Additional information
- Under the Banning of Unregulated Deposit Schemes Act, 2019, running such a scheme is a serious offence, and the Act provides for attachment of assets to repay depositors.
- You can ask the WCP professional to coordinate with your bank on disputed transactions and chargebacks.
The estimated cost covers indicative professional fees only. Government fees, stamp duty and taxes are payable at actuals.
How it works
- 1. Raise a service enquiry describing your requirement.
- 2. A Relationship Manager reviews it and opens it for bidding.
- 3. Pay into escrow and assign the professional you select.
- 4. Track progress to completion, then accept and release payment.
Frequently asked questions
Who needs a financial plan?
Anyone with financial goals — buying a home, children's education, retirement — who wants a clear, realistic path to reach them.
How long does financial planning take?
Usually one to two weeks to gather data, analyse and present the plan.
Does the planner sell products?
Independent planning focuses on advice; you can implement through any provider you choose.
What documents are needed?
Income details, expenses, existing investments, insurance policies, loans and your goals with timelines.