7 ‘Wants’ management tips for Effective financial health

7 ‘Wants’ management tips for Effective financial health “If you buy things you DO NOT NEED, soon you will have to sell things that you NEED” – Warren Buffett   It is possible to categorize all of our expenses and spending activities into two categories: “necessities” and “wants” for effective financial planning. When you spend […]

Financial Radiance completes 4 years – A perspective

Financial Radiance completes 4 years – A perspective

Financial Radiance completes 4 years – A perspective 2020 would be a year that would not be easily forgotten by anyone. The year would be known for the pandemic – Covid 19 which spread all over the World. Enough has been written about it in the media, so I will not focus on it. In […]

Want to retire early? 11 reasons most people don’t retire rich

Want to retire early? 11 reasons most people don’t retire rich I posted a blog sometime back on why we need to prioritise retirement planning. Do you want to retire early? The landscape has now changed and it is very different as compared to our parents and previous generations. I had also laid down the steps […]

Do Mutual Fund categories still scare you?

Do Mutual Fund categories still scare you? Retirement planning as a concept has been picking up in the recent past. The terminology has changed though. Retirement is generally seen as connected to old-age when we think about it which we want to avoid. So, there is a new word now which is used in conjunction, […]

3 Years helping clients achieve financial goals

3 years Financial Radiance

3 Years helping clients achieve financial goals I completed yet another vibrant year, my third at Financial Radiance on 1st December, 2019. The mission I started in 2016, with the vision of helping my clients globally achive financial freedom. While I had described my second year as a roller coaster ride, this year was with even […]

Debt trap: 4 warning signals to check if we are falling into it

Debt Trap - Early Warning Signals

Debt Trap: Is being minimalist the only option? More and more people are falling into debt trap now. Many people are frequently seeking the help of professionals who can get them out of the debt trap. Whether we switch on the television, read the newspaper or surf the internet, someone somewhere is always selling something […]

Personalized financial advice: 6 reasons why it is different

Why Financial Advice is personalized

Why is financial advice personalized? Last week, I had written a blog on why we need a financial planner. This week, it is a follow-up on the same topic wherein I present my thoughts on why financial advice is personalized and why one size does not fit all. Financial illiteracy in schools and colleges: This […]

Why do I need Financial Planner when I know how to invest

do-we-need-financial-planner-or-advisor

Why do we need a Financial Planner? This is a very sensitive and a commonly discussed topic amongst personal finance groups. What is the value of what a financial planner or the financial advisor or the financial coach (whatever name they are called), brings to the table. I would like to put some of my […]

Don’t buy life insurance without reading this – 11 critical points

Life Insurance

Life Insurance – What to look for? page In today’s uncertainty of life, planning for various goals and knowing how much is needed, considering inflationary aspect is extremely vital and therefore it is important not to neglect this aspect of life insurance in personal financial planning. Many a time, people are underinsured or simply not […]

Success Story: IFA in Hyderabad after 21 years corporate experience

IFA in Hyderabad

Success Story: Becoming an IFA after 21 years experience My Success Story posted at https://www.masterstrokeonline.com/success-story/small-city-big-vision I am a Certified Financial Planner (CFP). After working for over 21 years for companies like ICICI & Franklin Templeton, I decided to follow my passion and became an IFA in Dec 2016. It has been a great journey since I […]

6 logical ways to increase net worth

Boosting Your FInancial Net Worth

Boosting Your Financial Net Worth In one of my previous blogs, I mentioned about ways in which we can stop living a life paycheck to paycheck. One component to do so is how we smartly manage our assets and income. This can be tracked by our networth which is simply the total of all your […]

Living a life paycheck to paycheck?

Living a life paycheck to paycheck

Living a life paycheck to paycheck – Financial Planning Moving away from comfort zone I have been asked this question a number of times since I left the corporate life – Why did I leave a cushion high paying job to start on my own with an unpredictable income stream and so much uncertainty considering […]

2 Years @ Financial Radiance : My perspective as a Financial Advisor

2 Years @ Financial Radiance : My Perspective as a Financial Advisor On 1st December 2018, I complete my two years as an entrepreneur after having worked for over 21 years in the corporate sector. What a roller coaster ride it has been as a financial planner! Further, on the second anniversary, I am very […]

1 Year @ Financial Radiance: My perspective as a Financial Planner

1 Year @ Financial Radiance: My Perspective as a Financial Planner Time flies! It feels like yesterday when I was leaving Franklin Templeton with mixed sentiments of leaving an Organisation where I had been for more than 10 years and liked the culture and the environment and another of the joy of going independent in […]