Because the Best Returns aren't just measured in money

Whether you want to send your kids to college (without jeopardizing your retirement fund) or preserve your family wealth, I can advise you independently. No matter what you are already doing, I can help to make it even better  - in the form of second opinion.

I understand you. Why? Because I am,too, a father of a toddler daughter.


Integrate every areas of your personal finances in 2 months, without any product pushing

  • Gain Clarity via Consolidated "Big Picture" Analysis
  • Make Smarter and Informed Financial Decisions
  • Evaluate the Cause & Effect of a Financial Decision on the Future
  • Catch & Fix Financial Leakages or Blind spots before they Snowball
why financial planning

Why Do You Need Financial Planning?

Life is a combination of decisions – things you do; circumstances – things that others do to you, including people you’ve never met, like politicians; and results – your decisions + the circumstances.

When we complain about life we mostly complain about our circumstances, not our decisions. We seem to be fixated on circumstances. When I first meet a person they tend to ask about my circumstances first – where am I from? where do I live? It’s only when people get to know me that they ask why I decided to be a licensed financial adviser, for example.

Why do circumstances interest us more than decisions? Sure circumstances happen to us before we can even make decisions – even before we are born. But decisions are by far more interesting because that’s how you change circumstances, possibly to the point that the circumstances disappear or stop mattering.

Welcome to financial planning, where the core of such exercise is to empower you to let your own decisions determine the outcome, rather than dictated by circumstances.

Our lives are like that. We sometimes get so busy that we don't take time to take a step back and look at whether what we are doing is effective or not.

There is nothing wrong with activity and hard work.

But as we get older, we should not get so busy that we forget to review if what we are doing are ultimately becoming more (or LESS!) effective in achieving our life goals.