A Better Life Starts with a Beautiful Smile
This is a short description elaborating the service you have mentioned above.
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.
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.
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.
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.
Blogs
Why Stock Market Day Trading will not help an investor create long-term wealth
Why Stock Market Day Trading will not help an investor create long-term wealth Meet Mr. Satish, a 38-year-old IT professional who, like many others, dreams of achieving financial independence and securing a prosperous future for his family. However, his journey towards wealth creation has taken a detour. Instead of focusing on building a solid financial …
Why Stock Market Day Trading will not help an investor create long-term wealth Read More »
A few guidelines to follow while buying your first house
Check sub limit conditions before you buy health insurance Ever Since Pankaj Shastri (39) moved out of his parental house in Thane seven years ago, he has been virtually living on rent along with his wife (33) and daughter (4). For several years now he has been contemplating buying a 1BHK flat in Thane but …
A few guidelines to follow while buying your first house Read More »
Don’t mix emotions with your equity investments
Don’t mix emotions with your equity investments The stock markets surprised a lot of investors by rising more than 20% over the last 6 months with the sensex and the nifty having crossed the psychological mark of 19000 and 6000 respectively. During this period when the markets were moving up, a lot of investors who …
Don’t shun equity now for real estate
Don’t shun equity now for real estate Mr. Sharad Rai (40), a senior manager with an IT firm based in Mumbai, has been visiting a few property fairs recently as he intends to invest in real estate purely with the intention of cashing out after a few years with handsome returns. Last few years of …
Financial Planning basics before you venture into business.
Financial Planning basics before you venture into business. Over the last few years we are witnessing a surge in the number of people venturing on their own or keen to start their own business. There does not seem to be a dearth in business ideas and with a lot of new businesses working successfully, many …
Financial Planning basics before you venture into business. Read More »
Get Your Priorities Right
Get Your Priorities Right A few months back I met my school mate – Pravin(39) during a common friend’s family function. After a casual conversation I told him that I am a financial planner and he became interested to know what I really do. After explaining him about my profession he agreed to meet me …
This festival season, go shopping with a budget in mind.
This festival season, go shopping with a budget in mind. With the festival season having kicked in, an average consumer is now flooded with hundreds of mouth watering offers. Right from the car dealers to consumer goods appliances showrooms, all are advertising heavily to catch the attention of the average consumer. It’s very natural to …
This festival season, go shopping with a budget in mind. Read More »
Good Money habits we can learn from our parents
Good Money habits we can learn from our parents Mr.Rajesh Iyer(37) has fond memories of his childhood days when his father was the only earning member in his family of 4 siblings. His mother was a homemaker and was supposed to take care of the children and the kitchen. Rajesh still doesn’t know how much …
Have you planned for worst case scenarios?
Have you planned for worst case scenarios? Francis Pinto had a dream career since the time he landed his first sales job in 2001 at a very young age of 23 after having completed his MBA in marketing. Slowly he rose up the ranks in his organization based on his exceptional performance and by the …
How portable is your health insurance policy
How portable is your health insurance policy Mr. Anand Rao (42), was suggested by his insurance advisor to switch his existing health insurance policy to a new insurer under the portability guidelines applicable since 1st October 2011. Since the benefits and features offered by the new insurer were better, Mr. Anand applied for portability nearly …
Investing in right assets according to your time horizon
Investing in right assets according to your time horizon Mr. Rajesh Iyer(45), a businessman proudly proclaims that his investments for retirement comprises of 25 traditional insurance policies each maturing every year from his age of 61 till 85 years, thereby providing his sufficient income for his retirement. Mrs. Shweta Rao(36), a school teacher has invested …
Investing in right assets according to your time horizon Read More »
Last Minutes Tax Planning: What Options Do You Have
Last Minutes Tax Planning: What Options Do You Have Nikhil (33) was informed by his HR department to submit his investment proofs for the financial year by the weekend failing which they would not accept any proofs after the deadline and the tax would be deducted accordingly. Coincidentally he received a telephone call from his …
Last Minutes Tax Planning: What Options Do You Have Read More »
Managing your Finances in the time of Corona Virus
Managing your Finances in the time of Corona Virus As the world reels under the fear and economic standstill created by the Pandemic – Corona Virus, its important to take stock of a few basic things related to your money and personal finances. Corona Virus has been labelled as a “Black Swan” event, meaning it’s …
Managing your Finances in the time of Corona Virus Read More »
Plan for a Dignified Retirement Life
Plan for a Dignified Retirement Life At the age of 53 years, when most people of that age start thinking about planning for retirement, Mr. Pankaj Kumar quit his job and banking career for good. Over the next 1 year he indulged in his passion – Travel and trekking as he travelled across north India, …
Plan Your Purchases To Avoid Debt Trap
Plan Your Purchases To Avoid Debt Trap It’s that time of the year when you are flooded with numerous offers and discounts right from the apparel and electronic shops to the car dealers. As the festival season draws near, most of us have it in our mind to go out and buy something lest we …
Planning for healthcare expenses
Planning for healthcare expenses Sridhar Iyer’s (28) parents are diabetic since several years and that is the sole reason which has prompted him to buy health cover of Rs 5 lakhs for himself as he is aware that sooner or later he might end up with the same illness as diabetes is a hereditary disease. …
Watch out. That debt is piling up?
Watch out. That debt is piling up? After a long wait of 3 years, Tanmay (37) and Renu Gupta (35) finally got possession of their flat in November 2012. Since this was their first home, they decided that they will not cut corners and get the best interior for their flat. After the initial budget …
Media
How to Find Us
Fill up the Form and Ask Your Queries
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
Book Your Appointment
Register your Complain
FAQ
Most frequent questions and answers
I am item content. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar leo.
I am item content. Click edit button to change this text. Lorem ipsum dolor sit amet, adipiscing elit. Ut elit tellus, luctus nec mattis, pulvinar dapibus leo.
I am item content. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus ullamcorper mattis, pulvinar dapibus leo.