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    Financial Planning Services in India

    Clarity-first financial planning for long-term investors

    We help Indian and NRI investors bring structure to their finances – aligning goals, risk, and time horizon into a clear, long-term plan.

    No product pushing. No constant switching. Just disciplined guidance.

    Why Financial Planning Matters More Than Picking Products

    Get personalized financial advice to help you achieve the financial goals you envision.

    Request a Call Back

      Why Financial Planning Matters More Than Picking Products

      Most investors don’t fail because they chose the wrong mutual fund.
      They struggle because their investments are not connected to a clear plan.

      Over time, portfolios become scattered –
      multiple funds, overlapping strategies, unclear goals, and decisions driven by noise instead of logic.

      Financial planning brings everything together.

      It helps you:

      • Align your investments with real-life goals

      • Understand how much risk you’re actually taking

      • Build discipline during market ups and downs

      • Avoid unnecessary switching and emotional decisions

      At The Gainers, we focus on structure first – products later.
      Because long-term wealth is built through clarity, consistency, and informed decisions.

      Start with a Financial Review

      What Financial Planning Brings to Your Financial Life

      Better Control Over Your Money

      Financial planning helps you clearly understand where your money comes from and where it goes.
      It brings structure to income, expenses, and commitments – so you’re not guessing, but deciding with confidence.

      Stronger Day-to-Day Cash Flow

      A clear plan helps you balance saving, investing, and spending without stress.
      You know what’s available today, what’s locked for goals, and what should not be touched – creating calm, predictable cash flow.

      Investments That Match Your Life Goals

      Instead of random fund selection, financial planning aligns investments with your time horizon, risk comfort, and priorities.
      Every investment has a reason – and a destination.

      More Stability Across Market Cycles

      Financial planning reduces emotional decisions during market ups and downs.
      With a clear framework in place, you’re less likely to panic, overreact, or keep switching strategies unnecessarily.

      Get Clarity on Your Financial Plan

      Our Financial Planning Approach

      Clarity on Goals & Spending Patterns

      Goal-Aligned Investment Strategy

      Risk Aligned to Your Life, Not Markets

      Visibility Into Your Future Cash Flows

      Retirement Planning With Real Numbers

      See How This Applies to You

      Your Financial Planning Journey, Made Clear
      Plan with clarity | Invest with discipline | Stay on track

      Every stage of life brings new financial priorities – income, responsibilities, goals, and risks.
      A structured financial plan helps you make sense of these changes, align your investments with your life goals, and stay disciplined through market cycles.

      Our role is to help you move forward with clarity – not guesswork.

      Request a Financial Planning Consultation

      Accomplish More With Structured Financial Planning

      Improved, investor-first copy:

      Save and invest with purpose
      When your finances are guided by a clear plan, saving and investing stop feeling random. Every rupee is assigned a role – helping you build long-term financial security and independence with confidence.

      Improved clarity-led version:

      Stay disciplined through market cycles
      A well-defined financial plan helps you avoid emotional decisions. You stay invested with discipline – during market highs and lows – because your actions are anchored to long-term goals, not short-term noise.

      Improved, personal-finance framing:

      All finances working together
      Your investments, savings, insurance, and goals should work as one system -not in isolation. We align every part of your financial life into a coordinated plan that supports your priorities at every stage.

      Balanced and diversified portfolios:

      Diversification reduces risk and improves consistency. A thoughtful mix of assets helps you participate in growth while protecting your portfolio from overexposure to any single risk.

      Get Clarity on Your Financial Plan – At No Cost

      Speak with a financial advisor to review your goals, investments, and next steps – without any product pressure.

      Request an Advisor Callback

      or call us at 882 689 6236

      Get Clarity on Your Financial Plan – At No Cost

      Speak with a financial advisor to review your goals, investments, and next steps – without any product pressure.

      Request A Callback

      or call us at 882 689 6236

      Frequenty Asked Questions

      A financial planner helps you bring structure to your money decisions.
      Instead of reacting to markets or chasing products, a planner helps you align your income, goals, risk appetite, and time horizon into a clear plan – and stay disciplined through market cycles.

      Financial planning turns life goals into actionable steps.
      By mapping goals like retirement, children’s education, or wealth creation to realistic timelines and investments, it helps you stay consistent, manage risk, and avoid costly emotional decisions over time.

      SEBI-registered advisors follow a regulated framework designed to protect investors.
      They are required to follow suitability, transparency, and disclosure norms, ensuring advice is aligned to the client’s needs rather than short-term market movements or product trends.

      Yes, when done through a regulated and transparent advisory setup.
      Online financial planning allows structured discussions, documented advice, and periodic reviews – provided the advisor follows regulatory standards and maintains clear communication and disclosures.

      Look for clarity, process, and discipline – not promises.
      A good financial planner focuses on understanding your goals, explains risks clearly, avoids return guarantees, and follows a long-term, goal-based approach instead of frequent portfolio changes.

      Personal financial planning typically includes:

      • Goal setting and prioritisation

      • Risk profiling and asset allocation

      • Investment structuring and review

      • Cash-flow and liquidity planning

      • Periodic plan reviews as life evolves

      The focus is on building and maintaining a long-term roadmap.

      A planner’s primary role is guidance and structure.
      At The Gainers, the emphasis is on aligning investments with your plan – not pushing frequent switches or unnecessary products. Any recommendations are made within a disciplined, suitability-based framework.

      Read More

      A financial plan should be reviewed periodically – typically once a year or when there is a major life change.
      Reviews help ensure your investments stay aligned with your goals, risk profile, and evolving priorities without reacting to short-term market noise.

      Anyone who wants clarity and discipline with their money.
      Financial planning is useful for salaried individuals, business owners, families, NRIs, and investors who want a structured approach to long-term wealth creation rather than ad-hoc investing.

      Advisory Leadership

      Komal Thakur leads the advisory function at The Gainers with a clear focus on disciplined, goal-based investing and long-term wealth planning.

      Her approach is built around understanding each investor’s financial life – their goals, risk comfort, time horizon, and real-world constraints – before any investment decisions are made.

      Rather than chasing trends or short-term market movements, Komal emphasizes portfolio structure, asset allocation, and regular reviews to help investors stay aligned with their long-term objectives through different market cycles.

      With experience across banking, financial planning, and advisory roles, she brings a balanced perspective that combines technical understanding with practical decision-making. Every recommendation follows a transparent, ethical, and SEBI-aligned advisory process.

      At The Gainers, her role is not to predict markets, but to help investors make informed, confident decisions – and stay disciplined over time.

      Komal Thakur
      Chief Investment & Portfolio Advisor

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