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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
Verma Sir’s 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, requisite investments & redemption processes differ from those of the theoretical approach. His interpretation of practical financial planning is very close to real life. I strongly believe that availing of personal coaching will empower everyone to take control of their finances for a bright financial future.
Ratnesh Singh
Senior Manager BORL
★★★★★ 5/5
Pre-Retirement Hand Holding
Retirement Planning
Mr. Manish Kant Verma is a Efficient, hard working & knowledgeable professional. I know him for last +10 years. His Hand holding & practical approach helped in improving my understanding of fund Management. He helped me in structuring, re-organizing & consolidation of my Wealth, which was Haphazard & unorganized so far. He extended timely & proper support during making /preparing my Retirement corpus or Road map. He also helped me to draw an appropriate investment plan, including optimum diversification to ensure financial security & risk management for the entire retirement journey. His hand-holding in pre-retirement & at retirement helped me to draw a clear roadmap for my post-retirement period. I highly recommend Mr.Manish Kant Verma for his hand-holding, support, mentoring to achieve a financially secure retirement to Customers.......
Sunil Kumar Jaiswal
Vice President – BORL
★★★★★ 5/5
Personal Coaching
After consulting with Manish Kant Verma Ji, I discovered that most of my investments were similar. I realigned all the investments, as he recommended & achieved a well-diversified portfolio. In the market cycles, I observed encouraging results after diversification. Also, I recognized, missing out on many important aspects in calculating my retirement corpus. Recognizing them in time helped me to strengthen my corpus. Consulting him on personal finance-related matters has strengthened my financial journey. Everyone should avail of his services.
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. I would highly recommend everyone to attend his session well before their scheduled retirement to reap maximum benefits out of the session.
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. 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
The introductory session on personal finance, by Manish Sir, was an eye-opener. The best part was on the financial management approach to recognize, how a casual approach can continue damaging our financial future. To address it in time, everyone should attend such sessions.
Umesh Hanswal
Senior Manager – BORL
★★★★★ 5/5
Educational Sessions/ Workshops
Impressed from Manish’s retirement sessions to senior management, I took financial consultancy from Manish. He is very knowledgeable on the subject and adopts practical approach while suggesting investment proposals. He provides customized solutions after understanding the individual current investment profile, future needs etc. Everyone, due for retirement, must take his advice to ensure a financially secure post-retirement period.
Y.S. Prakash
Gen. Manager – BPCL
★★★★★ 5/5
Comprehensive Planning
Especially considering my residual liabilities of kids' higher education and their wedding. I always wanted to pursue my passion instead of putting all my golden years, serving to others. This became reality when I was about to touch my 50th birthday. But still, I was in a dilemma to decide on my early retirement as I was not sure about the healthiness of my financials to pull the entire post-retirement period. Verma Sir, analysed my wealth for adequacy to help me make such a courageous decision. He meticulously planned my retirement financials and guided me on all the investment-related matters to ensure my financial security for the entire post-retirement period remains intact. Because of this confidence, I could make such a bold decision.
Pankaj Johri
Sr. Manager, Accenture, (Retd. on June 2020)
★★★★★ 5/5
Personal Coaching
I have been investing in various asset classes for a long. But when I came in contact with Verma Sir, I realized investments without a firm plan may not give the desired results. I followed his advice to focus on planning & took his help to fine-tune my financial planning. His approach is practical and gives confidence to achieve all the financial goals, including retirement. Now I am confident of my financial security. I believe that availing of his services can change the outlook towards financial planning.
Rohit Mishra
Senior Manager – BORL

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