Don't panic if you haven't started planning - take time to do it right. But don't procrastinate either, because the older you get, the more your options will narrow.
Financial planning can make an individual vulnerable to sharing financial information and exposing chinks in one's financial literacy.

Financial plan makes one introspect about financial goals and make them more structured leading to empowerment and freedom from financial anxieties. I would recommend it for the objective insight it provides to an individual. I found interacting with Harshavardhan, my financial planner useful; which is helping me take small steps to better financial management and wisdom.

Dr. Sachin GanorkarNew Delhi
I started investing pretty early in my life. Although I was investing, I was not doing it in a structured way. Thus, around 2 years back I started to think about Financial Plan.

After undergoing the Financial Planning process the most shocking thing I realized was the high gap in my expenditures and my wishes in life. It was really an eye opener. Even though right now I may not have sufficient funds to fulfil all my goals but at least I know what I need to do to achieve my goals and I can now plan both my expenditures and investments with a good foresight.

This is where Harshavardhan helped me out a great deal. All the Plans and actions were useless without a personal and frequent interaction. You were very professional in handling me and my queries and always finding a time for me. After working with you for a year I now feel you understand me better and we have a good working relationship. Your financial knowledge and expertise gives me the confidence that my hard earned money is in good hands. Although residing in different cities and having never met personally, communication was never a hindrance.

Financial plan is something, I recommend everyone should have. Keep up the good work.

Gajendra TripathiQuality Professional, Panchkula (Haryana)
Financial Planning was an eye opener for me. Earlier I used to think kind of "ho jayega, itna kyo tension lena hai", but after speaking with Harshavardhan and going through the Plan, I realized that money really matters and one should be very careful in planning for his/her own money.

I would say just like time spent cannot be gained back, money wasted cannot be gained back. The earlier you will be serious about your money planning, the more empowered you will be to fulfill your dreams.

I would say that the specialty of Harshavardhan is making one aware that, there is improvement needed in the current way of savings/investments and guiding well about what actions would be needed to cover those. I always wonder how come Harshavardhan has so much patience to explain the same again and again. And he is always ready to hear you. Importantly Harshavardhan goes out of the way to help you out.

Sachin PunadikarIT Professional, Pune
"Plan YOUR Date today with a Financial ADVISOR"

Self Financial Planning for me used to be an important activity; yet it suffered on account of constraints of time, energy and limited knowledge of a specialized field outside the domain of my personal professional expertise. As a result, I bitterly experienced what is implied by the Gujarati proverb, "Jyare Kaam Tene Kare; Dooja Karo To Gota Khaye" meaning LET AN EXPERT DO THE JOB THAT BELONGS TO HIS FIELD; IF ATTEMPTED BY AN OUTSIDER, HE IS SURE TO FAIL MISERABLY! Self-medication without consulting a doctor is not advisable and may turn out to be an unsafe & costly venture.

Usefulness of professional Financial Planning was a revelation when we came across our advisor Harshavardhan Bhusari. Our family members' association with him has been very fruitful. Acting as a true financial doctor he has been responsible for keeping our financial health fit and fine. His advice, based on regular interactions, timely review/revision of our investments, non-insistence on any specific financial product sale has been the hallmark of this long association. Paying a small sum for such valuable services pays back in the long run is our pleasant experience.Waste no time; do not postpone your decisions of your money matters, this is our personal advice for no fees!

Prakash / Kunal Gandhi & FamilyPune