Goal-Based Financial Planning & Roadmaps
A comprehensive, 360-degree roadmap connecting your monthly income with your family's future dreams.
Structure a clear, goal-aligned financial roadmap covering emergency buffers, family risk protection, children's education, and retirement readiness.
The Common Challenge
Most people have disjointed financial products: random fixed deposits, 3-4 scattered mutual fund schemes, an inadequate corporate health cover, and no structured plan connecting their monthly savings to upcoming life milestones.
Our Approach & Solution
Goal-Based Financial Planning brings order and direction to your complete financial life. Sunil Srivastava personally reviews your cash flows, emergency reserves, debt obligations, insurance safety nets, and long-term goals to build a cohesive, step-by-step financial plan.
We follow a strict 'Protection First, Growth Second' philosophy. We ensure your financial foundation is rock solid before deploying capital into equity compounding.
Critical Factors & Considerations
- Building a mandatory 6-month emergency cash buffer in liquid instruments
- Adequately insuring health and life liabilities BEFORE investing aggressively
- Inflation-adjusted target costing for children's higher education and marriage
- Structuring post-retirement passive income and healthcare buffers
- Annual asset allocation reviews and milestone tracking
Key Benefits
- Complete clarity on exactly how much to save and invest each month
- Elimination of overlapping, inefficient, or high-cost financial products
- Peace of mind knowing your family is shielded against medical or life emergencies
- Disciplined, automated execution powered by NJ Wealth's platform
Who Is This For?
- Young couples planning their family's financial roadmap, home purchase, and children's future
- Salaried professionals wanting to transition from random savings to structured investing
- Business owners needing clear separation between personal wealth and business capital
- Individuals within 10–15 years of retirement seeking corpus readiness
4-Step Execution Process
Step 1: Cash Flow & Net Worth Discovery
We analyze your monthly income, living expenses, existing investments, and debt EMIs.
Step 2: Risk & Emergency Gap Audit
We ensure you have a 6-month emergency cushion, adequate health cover, and pure term protection.
Step 3: Goal-Anchored Portfolio Blueprint
We map dedicated SIP investments to specific milestones: child education, home buying, retirement.
Step 4: Digital Execution & Milestone Reviews
We execute the plan paperlessly via NJ Wealth and review progress annually.
Frequently Asked Questions
How is goal-based financial planning different from buying a mutual fund?
Buying a mutual fund is merely a transaction. Goal-based financial planning is the holistic strategy that determines WHICH fund to buy, HOW MUCH to invest, for HOW LONG, and HOW to protect that investment from medical emergencies or life events.
What is the 50/30/20 budgeting rule in financial planning?
A proven budgeting framework allocating 50% of net income to Essential Needs (rent, food, utilities), 30% to Lifestyle Wants, and at least 20% to Savings & Goal-Based Investments (Emergency fund, SIPs, Term insurance).
How often should my financial plan be reviewed?
We recommend reviewing your financial plan at least once a year, or whenever major life events occur (e.g., job promotion, marriage, birth of a child, home purchase).
Ready to Get Started?
Schedule a confidential session with Sunil Srivastava to review your requirements.
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