To us financial planning is personal and we understand that your financial plan is about you. So far, we’ve ensured customer satisfaction by being completely transparent and having detailed discussions with our clients. We discuss the financial planning solutions and strategies beforehand for your feedback. In the implementation stage, we explain why we’ve made each recommendation so that you are on the same page. We know that there’s more than one way to make a financial plan, but we try to make the best one for you.

Thinking about how much you pay for things is an important step in achieving financial freedom. Price is important but it isn’t everything. We have a team of competent professionals who are certified financial planners and chartered accountants. We’ve also been awarded the title of India’s Wisest Adviser by HDFC Wealth Forum. At ithought we follow a collaborative approach to financial planning, where our whole team gets together to give your financial plan a well-rounded finish. The quality, process, and competence that goes into your plan is very high and this is what you’re paying for.

Per SEBI guidelines we are to charge you a fee based on the assets under advice (AUA). You can schedule a free consultation session where we assess the AUA and the scope of work. Following this, you can decide how you want to take the engagement forward.

Our core belief is that financial planning is personal. It’s not a cold checklist of things to do or ratios to maintain. We understand that people want to plan to achieve their dreams, navigate life’s biggest milestones, and build a better relationship with their money. Our planners bring empathy and experience to the table. As a SEBI Registered Investment Adviser, we act only in a fiduciary capacity – keeping your best interests at heart.

At ithought, financial planning is independent of how much money you have, how old you are, or how much money you want to invest. Our youngest planning client was 21 years old. And our oldest planning clients are in their late 60s.

We aim to keep our financial plans free of all product influences. Planning with us means no commissions, no hidden fees, no misselling, and no marketing. It is entirely your choice on how you want to implement your plan. You could do it by yourself, with another adviser, or with us.

For those who are looking for an all-in-one solution, we have investment advisory services and portfolio management services that you can opt for. We would recommend looking at investment options once your financial plan is ready so that you have a solid framework to build on.

Once we have all the information we need, you should have your financial plan within 7-10 working days. Timelines are in both our hands. We’ll do everything to build trust and give you comfort, but we would never want to rush things if you’re not ready.

Our initial conversations will be used to understand what you want to achieve through financial planning and based on the data provided we will analyse your financial position. Then we brainstorm within our team to find financial solutions to achieve your goals. We share these ideas with you and listen to your feedback. After this, we prepare your financial plan. Once your plan is ready we take you through it and work with you on implementing it.

Our aim is to deliver a one-time lasting solution in the form of a financial plan. This means we try to account for as many of your financial goals as possible right at the start. Sometimes life may have different plans, at which point we recommend that you review your financial plan.

Almost always, we need to look at finances holistically. For example, people think they only need help with tax planning. Little realising that optimising payslips is going to cascade into changing their cash flows. Tax planning is also about picking the right insurance products. And fitting investment choices into financial goals.

The value addition you get will be much higher when you recognize that the different elements in your finances are interrelated.