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Please play the video to hear my digital twin take you through the journey of Financial Radiance.
Every year, as 1st December approaches, I pause for a quiet ritual to reflect on the journey of Financial Radiance. This year marks nine years of learning, serving, and staying committed to the mission that started it all: helping families build a life of choice, not compulsion.
Many clients tell me they look forward to this annual note. I look forward to writing it just as much. It helps me acknowledge the wins, accept the stumbles, and realign with purpose.
2025 was a year that demanded resilience, rewarded discipline, and reminded me that when your “why” is strong, progress always follows.
Let’s dive in.
This year, Financial Radiance continued its steady climb:
Behind every number is a real story, a family planning their child’s education, a professional preparing for early retirement, a couple building passive income, or an NRI creating financial stability back home.
Watching long-standing clients reach financial freedom and enter their “second innings” with confidence has been deeply fulfilling. These moments remind me why Financial Radiance exists.
Back in my 6th work anniversary note, I shared a personal mission:
To help create 50 dollar millionaires and 200 crorepatis during my practice timeline.
This year, we took a meaningful step forward:
This brings us to:
The numbers may look small today, but the goal was never speed. It was meaningful, disciplined, long-term progress. We will exceed this mission milestone by milestone.
As our client base grew, it became essential to strengthen backend processes. Introducing Zoho CRM has helped:
It is the kind of infrastructure upgrade that stays invisible but improves every part of the client experience.
Financial Radiance is no longer a one-person practice. This year, we expanded meaningfully:
This strengthens our capabilities and protects the personalised experience our clients value.
Financial Radiance has always been rooted in suitability-based recommendations, understanding your goals, time horizons, and risk appetite, and suggesting the right mutual funds accordingly.
After years of helping clients with insurance and asset retrieval services (via our 14-year specialist partner), we felt it was time to take a bigger step toward holistic financial solutions.
Here is what we introduced this year:
Mrs. Garima Singhal, a qualified Chartered Accountant, has joined us to offer:
All at nominal fees, exclusively for our clients.
For clients seeking a more curated, high-conviction investment approach, we now facilitate access to suitable PMS offerings. Minimum investment: ₹50 lakhs.
With international mutual fund restrictions still on and AMC windows opening only sporadically, many investors have been left waiting. Gift City now enables outbound investments into U.S. and global markets through the LRS route.
The SIP option is not yet available.
Through our tie-up with a digital-first loan service provider, clients can now explore:
The platform compares rates across banks and NBFCs, understands your profile, and recommends the best-fit option.
Each initiative has been added with a single intention:
To make Financial Radiance a one-stop partner for your personal financial journey.
If any of these resonate with you or someone you know, we are always here to help.
A heartwarming milestone this year was republishing all three of my books with refreshed covers and cleaner layouts:
All three books: Retire on Your Terms, Second Innings on Your Terms, and The Career Escape Plan are now available in paperback, eBook, and audiobook formats on Amazon and other platforms.
Explore them here:
👉www.tinyurl.com/RajeshMinochaBooks
The response has been promising, especially from mid-career professionals seeking clarity, and retirees exploring purpose beyond paychecks.
If you want to know more about my books, you can read my blog – Why I Wrote Three Books?
2025 also brought a personal health challenge, unexpected, unsettling, and a forced pause in my otherwise fast-paced routine.
If you would like to read the full experience:
👉 https://www.financialradiance.com/when-illness-reminds-what-matters-most
It reinforced a truth we often forget:
Financial planning is ultimately about protecting health, freedom, time, and peace of mind, not just returns.
For years, Financial Radiance grew primarily through referrals. While that continues, we are now seeing a new wave of prospective clients coming through:
This year, I uploaded several short, simple explainer videos – designed to make personal finance easier to understand.
2025 brought visibility in mainstream media:
This aligns perfectly with our vision of helping families achieve financial clarity and independence.
Subscribe here: 👉 www.youtube.com/c/financialradiance
Thank you to each one of you who shared your feedback. Your insights guide our improvements every year.
These numbers reassure us that we are on the right path.
Some feedback snippets that made us smile:
This year brought global uncertainty, interest rate noise, and domestic market fluctuations. But India’s long-term growth story remains strong.
My core advice remains unchanged:
Traditional wisdom remains the best compass.
As we step into another year, our focus areas include:
The mission stays the same:
Helping families build a life of choice, not compulsion.
To every client, thank you for your trust, your partnership, and your belief in Financial Radiance. Every milestone is possible because of you.
If you would like to explore more:
📘 Purchase Books: www.tinyurl.com/RajeshMinochaBooks
📹 Join YouTube Channel: www.youtube.com/c/financialradiance
Here’s to another year of wealth, wellness, purpose, and financial freedom.
See you again next year – when we celebrate a decade of Financial Radiance!
Address
B 346, Victoria Drive, Paramount Golf Foreste,
Opp. Sector Zeta 1, Greater Noida – 201306
Uttar Pradesh
Email Address
rajeshminocha@financialradiance.com
Contact Numbers
+91 98664 61113 | +91-120-4548926
