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Why You Need The Financial Management Assistance

Being financially secure is not only a wish but a right of every salaried employee, who has been putting a major part of his life into delivering his liabilities.

However, complexities in the financial landscape have made this task complicated. Now, only earning can’t ensure life-long financial security unless it is supported by matured financial management.

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Educational Sessions/ Workshops

Salaried employees hardly get time to attend detailed educational programs except for their functional streams. So these small sessions, free from any marketing gimmicks, are ideal choices for them. Online platforms have made this much easier.

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Comprehensive Financial Planning

Healthy finances are difficult to achieve without comprehensive financial planning. This planning covers all aspects of finances, right from short-term goals to retirement planning. A periodic review ensures its effectiveness forever.

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Retirement Planning

Retirement is the most crucial phase of salaried employees. This, being a non-earning phase, needs a large sum to maintain the pre-retirement lifestyle. Expensive Medical care & increasing life expectancy are making this phase very expensive. 

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Pre-Retirement Hand Holding

This service is typically offered to one, who is scheduled to retire in the next few years. This service is intended to help, “would be” retiring employees consolidate their financials to create a “ready to use” retirement corpus. However, this phase can also be opted along with comprehensive retirement planning.

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Post-Retirement Hand Holding

This service is typically offered to retirees who are facing difficulty in managing their financials due to the dynamic nature of the financial landscape. However, this phase can also be opted along with comprehensive retirement planning.

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Personal Coaching

Many youngsters believe in handling their finances on their own. However, they struggle to find the right answers to their queries and commit mistakes. Sometimes, they need only the resolution of their queries and sometimes, they need hand-holding, to achieve their financial targets.

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About Me

I am a seasoned “Financial Coach” passionate about empowering salaried employees to manage their finances efficiently.

With my long association (35 Years +) in the corporate world (Reliance, Essar, BPCL), I could feel the unique financial challenges a salaried employee faces, including the financial burden of the retirement phase.

Responding to this, I’ve helped countless professionals to re-draw their landscape of personal finance, through educational sessions, workshops and personal coaching in the last 10 years of my financial acquaintance.

As an independent advisor, I offer unbiased guidance tailored to one’s unique need, free from any institutional constraints.

I am an Engineering Graduate with a Master’s in Business Administration (Financial Management), educating salaried employees for the last 10 years & started using social platforms to educate the masses, after certification by AMFI.

Why To Choose Me

One can’t help someone unless he can feel the problems. This applies to personal finance also. Since my thoughts are perfectly aligned with salaried employees, I can understand their limitations, strengths, & aspirations, when it comes to financial management. So my services are also customized to their needs.

Generic financial planning is not a solution for salaried employees because every individual is unique in terms of his financial needs, liabilities, lifestyle, dreams, perception towards the future etc. So customized financial planning, which applies to him & only to him, is the only solution. That too with a personal touch to empower you to handle your financials in a way, appropriate for you.

You can choose any of my services to become financially empowered.

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Blogs

Why your investments fail to grow to your expectations?

Why your investments fail to grow to your expectations?

It’s a common problem; we invest with certain expectations, but, at maturity, we fail to achieve it. We wonder why does this happen and ask few questions to our-self…

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कैसे निर्णय लें – आपको ये निवेश, बैंक/ पोस्टऑफिस फिक्स्ड डिपॉजिट्स (F.Ds.) में करना चाहिए, कि नहीं ?

कैसे निर्णय लें – आपको ये निवेश, बैंक/ पोस्टऑफिस फिक्स्ड डिपॉजिट्स (F.Ds.) में करना चाहिए, कि नहीं ?

FD मे किया गया निवेश सुरक्षित निवेश (Safe Investment) की श्रेणी में आता है यानि कि निवेश का उद्देश्य अच्छा रिटर्न्स (Returns) कमाने की जगह, अपने धन की सुरक्षा…

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रिटायर (Retire)/ सेवा निवृत होने पर पर्याप्त लगने वाली आय कुछ ही वर्षों में कम क्यों पड़ने लगती है, इससे कैसे बचें?

रिटायर (Retire)/ सेवा निवृत होने पर पर्याप्त लगने वाली आय कुछ ही वर्षों में कम क्यों पड़ने लगती है, इससे कैसे बचें?

एक लम्बी नौकरी के बाद हर माह वेतन पाने की हमारी एक आदत सी हो जाती है, और इसलिए सेवा निवृती (Retirement) के बाद भी हम कुछ इसी तरह…

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Modules

You can select any of the modules or in a combination to enhance your knowledge in specific fields.

1. Financial Goals Estimation

Financial goals can be achieved only when you know, how much fund is to be created to deliver that particular goal (estimated value to achieve). This module talks about the practical aspects of estimation to target a value that can deliver your financial goal/ liability.

This module focuses on investment aspects to achieve any financial goal. The right investments can help you to achieve your goals easily. On the other hand. the wrong selection can land you in financial discomfort.
Inappropriate investments not only consume your money but also kill your precious time. Right investment optimizes your investments and gives you confidence to achieve the target successfully. Depending upon the type of goal, a combination of investments can also be selected.

Under-investment & over-investment, both are not desirable for your financial health. Compromising with the present for the sake of a bright future (which in any case is uncertain), does not make much sense.
To balance it, the right investment values play an important role. And these values can be determined by considering all the relevant factors (in addition to inflation) to estimate the desired target value, required to accomplish the event.

Your retirement corpus plays a very important role in your post-retirement financial security. An under-estimated corpus is an open invitation to financial discomfort. If you know the right value of corpus you need, your investments can always achieve it. The assumed corpus can give you comfort while creating it but can give you a financial shock while pursuing your post-retirement phase.

A decent corpus can also not ensure your financial security if it is not invested strategically, to meet tail-end expenses. Therefore, don’t take this activity lightly but invest as per a suitable strategy.

A scattered fund can’t be invested as per the corpus investment strategy. Therefore it is of utmost importance to first put your house in order and then follow your investment strategy. Typically, this should be started 5 years ahead of retirement.

The initial years of your career lay the foundation stone of your financial journey. In this period, time works in your favour and hence even with smaller investments, you can ease out your liabilities & create a decent retirement corpus.

This is a period when major liabilities start knocking on the door but sparing a sizable fund becomes difficult because your lifestyle and living expenses have also increased. Salary rise starts looking insufficient and investments start looking like a burden. Maintaining a balance between the present & future becomes very important in this period.

This is a period where the fund position for most of the liabilities has already been set and the last but most important liability, retirement starts knocking at the door. The savings accumulated for retirement appear to be insufficient. As a result, people are tempted to adopt shortcuts to grow their investments fast & make mistakes.  In this period, choosing the right investments becomes very important, which can keep you within your risk boundaries and still generate good returns.

Life insurance is important but the policy coverage should be selected judiciously. The coverage value should not be chosen on the institution but must be selected based on your RESIDUAL LIABILITIES only. This can provide your family with the desired safety.

Mutual fund investments have become very popular. However, with insufficient knowledge and making decisions based on tips/ suggestions, one can always make mistakes. You might have to pay a hefty price in the long term. the probability of making mistakes has increased. And salaried employees are no exception. Basic knowledge can empower individuals to make mature decisions and to ease wealth creation.

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Our Happy Clients

★★★★★ 5/5
Personal Coaching
I had been interacting with Verma Sir on the matters related to Personal finance since long time. I realized that his concept of financial planning is very different. It is practical and gives the confidence to achieve all the financial goals, including the most crucial one i.e. Retirement. The goal estimations, investments calculation & redemption processes differ from those of the theoretical approach. His interpretation of practical financial planning is very close to real life.Many such interactions & his help empowered me to handle my own personal finance efficiently.I strongly believe that availing of personal coaching will empower everyone to take control of his finances for a bright financial future.
Ratnesh Singh
Senior Manager BORL
★★★★★ 5/5
Pre-Retirement Hand Holding
Retirement Planning
I knew Mr. Manish Kant Verma for over 10 years and can attest to his efficiency, hard work, and knowledge. His practical approach has greatly improved my understanding of fund management. He helped me reorganize and consolidate my previously disorganized wealth, providing timely support in preparing my retirement corpus. With his guidance, I developed a well-structured investment plan, ensuring diversification for financial security and risk management throughout retirement. His mentorship was invaluable in creating a clear post-retirement roadmap. I highly recommend Mr. Manish Kant Verma for his exceptional support in achieving a financially secure retirement.
Sunil Kumar Jaiswal
Vice President – BORL
★★★★★ 5/5
Personal Coaching
After consulting with Manish Kant Verma Ji, I realized most of my investments were similar. Following his advice, I realigned my investments and achieved a well-diversified portfolio. This diversification yielded encouraging results across market cycles. Additionally, I discovered I had overlooked important aspects in calculating my retirement corpus. Addressing these gaps in time helped strengthen my corpus. Consulting him on personal finance matters has significantly improved my financial journey. I highly recommend his services to anyone seeking to enhance their his financial stability and security. His expertise is invaluable for achieving a well-rounded and robust financial plan.
Nirmalaya Nandi
Asstt. Vice President – BORL
★★★★★ 5/5
Educational Sessions/ Workshops
Manish’s session on Retirement, for the Senior Management Team was an eye-opener to me. Corpus estimation & its investment were the two major fields where we have a higher probability of making mistakes. The second important point was the length of the post-retirement period, where the chances of making mistakes are very high. His insights emphasized the importance of careful planning in these areas. I highly recommend everyone to attend his session well before their retirement to fully benefit from his expertise & reap maximum benefits out of the session. Manish’s guidance is invaluable for avoiding common pitfalls and ensuring a secure financial future in retirement.
Prabhat Bhargava
Gen. Manager – BPCL
★★★★★ 5/5
Educational Sessions/ Workshops
I am on the cusp of retirement. Though it is late yet started thinking about financial management. We understand that it needs very meticulous planning to take care of yearly inflation & sudden cost escalation of commodities. I attended a few sessions of Mr Manish Verma to the Senior Management Team on Retirement Planning and found them very informative to adopt. The practical approach to manage retirement financials is worth learning. Specifically, assessing of futuristic financial challenges & preparing our-self to handle them. I feel that everyone due for retirement in the next few years must attend his session, to get a practical picture of futuristic financials.
Shiv Shankar Dayal
Gen. Manager – BPCL
★★★★★ 5/5
Educational Sessions/ Workshops
Manish Sir's introductory session on personal finance was an eye-opener. The highlight was his financial management approach, revealing how a casual attitude can jeopardize our financial future. His insights on recognizing and addressing these issues were invaluable. The session emphasized the importance of timely intervention in managing finances effectively. I strongly believe that everyone should attend such sessions to gain a clear understanding of the pitfalls of casual financial management and to secure their financial future. Manish Sir’s guidance is crucial for anyone looking to achieve long-term financial stability and security.
Umesh Hanswal
Senior Manager – BORL
★★★★★ 5/5
Educational Sessions/ Workshops
Impressed by Manish’s retirement sessions for senior management, I sought his financial consultancy. He is highly knowledgeable and adopts a practical approach to investment proposals. Manish provides customized solutions after thoroughly understanding an individual's current investment profile and future needs. His advice has been invaluable in planning for a secure financial future. I highly recommend that everyone nearing retirement consult with him to ensure a financially stable post-retirement period. His expertise and tailored guidance are essential for achieving peace of mind and financial security in retirement.
Y.S. Prakash
Gen. Manager – BPCL
★★★★★ 5/5
Comprehensive Planning
As I approached my 50th birthday, I dreamed of pursuing my passions rather than spending my golden years working. However, I was uncertain if my finances could support early retirement, especially with my kids' higher education and weddings still ahead. Verma Sir analyzed my wealth to ensure its adequacy and meticulously planned my retirement finances. He guided me on investment matters, ensuring my financial security throughout retirement. His expertise gave me the confidence to make this bold decision. Thanks to Verma Sir, I could finally embrace early retirement with peace of mind.
Pankaj Johri
Sr. Manager, Accenture, (Retd. on June 2020)
★★★★★ 5/5
Personal Coaching
I have been investing in various asset classes for a long time, but it wasn't until I met Verma Sir that I realized the importance of a firm plan. Investments without proper planning may not yield the desired results. Following his advice, I fine-tuned my financial planning with his practical approach. This has given me the confidence to achieve all my financial goals, including a secure retirement. I now feel assured of my financial future.I highly recommend his services to achieve lasting financial security.
Rohit Mishra
Senior Manager – BORL

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