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Welcome to Proficient Financial Planners

Proficient Financial Planners is a FEE ONLY Financial Planning advisory firm based in Mumbai and operating since 2009.
We are in the business of helping people manage their finances and help them achieve their financial dreams and aspirations.

Why do you require a Financial Planner?

Today our generation is earning much more income than the previous generation, but most people don’t have the time to devote towards managing their money efficiently for creating sustainable assets for themselves and for their beloved family. Secondly, due to lack of time and knowledge, many of the investments are done without understanding its benefits, risk-reward parameters and tax implications.

Many don’t have any defined financial goals and hence take decisions based on impulse due to which the future might not be as pleasant as you would want to be.

Mr. Fernandes also regularly writes in the media especially in newspapers such as Business Standard, Indian Express, Business Bhaskar, Daijiworld, Moneycontrol, etc

How can a Financial Planner help?

The financial planner takes a holistic view of your financial situation, helps you define and decide on your financial goals & prepares the roadmap for you to achieve your goals. During this entire process he interacts with you as a friend and guide and is there for you during your entire journey to help you move in the right direction of your goals by closely monitoring your progress.

We at Proficient Financial Planners are committed to establishing a long term relationship with our clients based on trust and understanding while also providing you unbiased advice.

About Us

Proficient Financial Planners is a FEE ONLY Financial Planning advisory firm started by Mr. Steven Fernandes CFPCM in September 2009. We cater to a diverse set of clients from salaried to business owners. Our clientele comprises of people passing through various life cycles, starting from the young and single, married couples including retirees. We have drawn several financial plans for clients and are therefore capable of understanding the unique requirements of each individual/ family and thereby provide appropriate advice. We understand that each individual’s financial requirements are unique and we emphasize strongly on understanding your requirements and
attending to the minutest of details which will enable us to provide you right advice.

We also take up corporate training and investor education programmes in the area of
Financial Literacy, Investment management, Financial Planning, etc.

Mr. Steven Fernandes is a Sebi Registered Investment Advisor (RIA) and chief planner of Proficient Financial Planners. Prior to this Mr. Fernandes has been in the financial services business namely managing insurance and investment portfolio’s in his independent capacity since 2001.

He is regularly quoted in the financial media and writes regularly for various publications. He has authored a book on financial case studies titled “ There is always a financial solution” in the year 2019 and covers people across all age groups, providing solutions to their various financial challenges.  Besides he is also actively involved in conducting financial literacy programmes in various corporates and colleges and
has so far addressed more than 30,000 students across Maharashtra, MP and Goa.

Financial Planning

Financial planning is the process of preparing the roadmap to enable achievement of your financial goals through proper management of your finances.

The process is initiated by understanding your financial situation and leads to setting of your financial goals. The planner then looks into your income, expenditure pattern, risk profiling, cashflows, asset allocation, existing investments, insurances, assets and liabilities, etc and suggests you an appropriate strategy to enable you to achieve all your financial goals in a planned manner with routine monitoring.

Financial planning is an ongoing process since income/ expenditure, social and economic factors keeps changing over one’s lifetime and there could be a course correction required in between. At times people’s dreams and aspirations also change over time due to which regular monitoring and review with the financial planner becomes mandatory.

Why Fee Only?

The soundness of your financial health depends on the kind of advice you receive. With no time and stressed out at work you lay a trust on your financial planner to ensure your financial objectives are taken care of. There are mainly three varieties of financial planners which you will come across. A fee based, a commission based and a fee only planner. There is a strong distinction of how these planners work.

COMMISSION BASED
The planners from this category earn from commissions received from the financial products they sell such as insurance, investments, real estate etc. They are likely to be associated with companies and so will take the commission earning as their bigger interest. Very less go in planning for the clients.
Fee Based
A fee based planner will have earnings from both - from clients and commissions from the financial products they sell. There are independent planners and representative from companies who are into financial planning. No doubt there are sincere people doing a honest job but there will always be a possibility of a bent towards commissions if the earnings from it are substantial .Hence, a probability of conflict of interest will always be there on the cards.
Fee Only Planner
They earn their income solely from their clients and are paid for their advice. Since they do not have motivation to earn commissions, they do not carry any financial stake on the recommendations given. They focus more on long-term investing and avoid any short-term trade thus ensuring their client's interest is served. Being a fee only planner we do not accept any kind of compensation from a third party which allows us to create a financial plan that is unique to your situation. This helps us in avoiding a conflict of interest which can arise on financial compensation related to any advice. Moreover, to ensure you continue using our services we offer more than just a traditional financial planning advice. Our focus is on making you understand about your personal finance and so budgeting, money management, regular discussions on your personal finance behavior, unique set of values, priorities, challenges and opportunities which decide the rich life you will live are features of our services. Thus, a Fee Only Planner becomes the right choice when you are looking for someone who can serve your interest on priority.
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Services Offered

Though our forte is financial planning, we also offer a few other services which are mentioned below.​

This service provides you a detailed analysis of your cashflows, budgeting, insurance analysis, investment portfolio review, Financial goals setting, Retirement planning, Tax planning and actions to achieve your goals. Read more…

Here we offer our expertise in creating the right investment portfolio as per your risk profile and financial goals. We then hand hold you and guide you in managing your investments and providing you with regular updates and reviews. Primarily we advice on mutual funds through direct plans (Zero commission plans) only. ​Read more…

We help you create a detailed will document with the help of our Lawyer who exclusively deals in Will creation. The initial guidance and detailing of assets with right nominations is done by us.

We provide this service to our salaried clients who have taken any of our financial planning or investment management services. 

We believe that in order to be fair with our clients, we will charge as per the level of work that needs to be done. Since each person’s needs and situations are unique, we quote a fee only after understanding the requirements.

Webinars & Workshops

Online Webinars

Online Webinars

We conduct monthly webinars on financial literacy for Kids & Youth. For adults we conduct financial planning modules. Usually the webinars run for a duration of 1 to 1.5 hours.

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Corporate Workshop​

Corporate Workshop​

We conduct Financial Wellness workshops for employees to help them plan their finances well. These workshops are very interactive and contain activities which help them understand concepts well. 

These workshops cover a range of topics from Contingency management, financial goals, Investment management, tax planning & Investor Psychology. 

Corporate clients – Kimberly Clark- Pune, Lawrence & Mayo- Bangalore, Orion Hydraulics – Belgaum.

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Financial Literacy​

Financial Literacy​

Mr. Steven has conducted more than 100 workshops spread across the states of Maharashtra, Goa & Madhya Pradesh covering nearly 30000 students in association with Consumer guidance society of India.

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Client Testimonials

THERES ALWAYS A FINANCIAL SOLUTION...

And it always starts with a good financial plan

Blogs

Media

How to Find Us

Fill up the Form and Ask Your Queries

Email

service@proficientplanners.in

Phone

+(91) 22 49748484 / +(91) 9821465874

Head Office Address

3B-37 Highland Corporate Centre, Samata Nagar, Inside High Street Mall, Kapurbawdi, Thane West, Thane, 400607

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FAQ

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