Money decisions that hold up over decades.
I'm a CERTIFIED FINANCIAL PLANNER® working in comprehensive planning across investments, insurance, retirement, tax and cash flow, held together in one document a family can actually follow.
Most people think financial planning starts with choosing investments. In my experience, that is usually where it ends, not where it begins.
I'm a CERTIFIED FINANCIAL PLANNER® with five years of experience, working with salaried professionals and families. The people I meet are not careless with money. They are busy, and nobody ever showed them how the pieces fit together: income and spending, savings, insurance, taxes, investments, retirement.
My work is to make that picture clear, and then help build the discipline to act on it. Client centric, and free of jargon.
I write a weekly financial planning series on LinkedIn, breaking one piece of the puzzle down at a time. Educational, never advice.
Alongside the CFP certification I hold an MBA in Financial Management from NMIMS, the QPFP® designation from Network FP, and NISM certifications.
One written plan covering income, spending, goals and the gap between them, with the trade-offs made explicit rather than buried.
Every rupee assigned a job and a date. Goals set the time horizon; the time horizon sets the risk.
Funds chosen against a client's goals and their tolerance for a bad year, not against last year's returns.
Periodic reviews that check the portfolio still matches the plan, and correct the drift when it doesn't.
Working out the number to aim for, the path toward it, and how income is drawn once the salary stops.
What's actually covered, what's paid for twice, and what would happen to a family in the worst case.
I publish a carousel most weeks breaking down one piece of personal finance, usually the kind of thing that gets explained badly, or not at all, to the people it affects most.
It's general education rather than advice, and the clearest picture of how I think about money.
Open to professional conversations about financial planning, and to roles with planning-led advisory firms.
mannacatherinem@gmail.com