The five layers, in order
- 1. Emergency fund — 6 months of expenses in liquid savings
- 2. Health insurance — for the whole family, before anything is invested
- 3. Life cover — term insurance sized to income, loans and goals
- 4. Goal investing — education, retirement, home, wealth
- 5. Tax efficiency — optimise what is already right for you
How the process works
| Step | What happens |
|---|---|
| Discovery | Income, expenses, loans, dependants, existing policies and goals |
| Analysis | Cover gap, corpus targets and cash-flow capacity calculated |
| Proposal | A written PDF or presentation with options and trade-offs |
| Decision | You choose; nothing is bought without your explicit go-ahead |
| Review | Annual check-in and adjustments as life changes |
Tools you can use right now
- Life cover (human life value) calculator
- Retirement corpus calculator
- Child education cost calculator
- Tax saving estimator under 80C and 80D
Frequently asked questions
Do you charge a fee for financial planning?
No separate planning fee. The needs analysis, calculators and proposal are complimentary; I am remunerated by the insurers for the policies you choose to buy.
In what order should I put my money?
Emergency fund first, then health cover, then term cover, then goal-based investments, then tax-saving optimisation. Skipping the first three makes the rest fragile.
How often should the plan be reviewed?
Once a year, and immediately after a marriage, a birth, a new loan, a job change or a significant income change.