Personal Financial Planning
Available across Bengaluru
Pricing Guide
Zero-Fee Doorstep Financial Planning
Consultation & Diagnosis
- Doorstep Service: In-person home or office visits in Bangalore to save travel time.
- Financial Health Check: 60 to 90 minute analysis of cash flow, existing loans, and spending habits.
- Risk & Goal Mapping: Assessment of risk appetite and planning for life goals like education, marriage, or retirement.
Execution & Portfolio Setup
- Plan Creation: Tailored mix of Insurance (risk cover) and Mutual Funds (wealth creation).
- Complete Paperwork: End-to-end handling of application forms, KYC processing, and bank mandates.
- Zero-Fee Structure: No direct fees charged to the client; compensation is via commissions on products like LIC policies and Mutual Fund regular plans.
Ongoing Support & Reviews
- Weekend Availability: Flexible scheduling for discussions on Saturdays and Sundays.
- Performance Tracking: Periodic reviews to check progress against goals and rebalance assets.
- Claim Assistance: Support during insurance claim settlements or maturity processing.
About Personal Financial Planning
ನನಗೆ (I have) seen how confusing money matters can get, especially when most people around us never really had a chance to learn about it the right way. For 30 years, I've been working to simplify financial planning for families, one step at a time.
Not Just Investment Tips - It's About Your Life
I look at your finances like a doctor looks at health. No one-size-fits-all solutions, no sugar-coating. I tell you what's needed for your situation, straight up. My advice is always about protecting your family's future, not just finding the next investment.
How I Work With You
- We start with a real conversation - your dreams, worries, and what you actually want for your family.
- I’ll do a full financial health check before giving any advice.
- Every plan is custom-made, whether it's boosting your retirement corpus or building a child education fund.
- I keep an eye on your portfolio, tweaking things as life changes.
- Regular reviews mean your plan stays relevant, because nothing in life stays the same for too long.
What I Cover
- Retirement plans so you aren’t left wondering what’s next.
- Compounding for wealth creation, no matter how little you start with.
- Child education fund strategies that actually work.
- Tax-saving investment advice to keep more in your pocket.
For The Youngsters
If you’re under 30, start now. Small, steady steps mean big results later. ಎಷ್ಟು ಬೇಗ ಆರಂಭಿಸೋದು ಅಷ್ಟೇ ಉತ್ತಮ (The sooner you start, the better).
I promise - no cookie-cutter plans, full privacy, and real talk only.
Meet your Expert
Cauvery Associates
My Story
Started way back in 1994, hungry for a better life for my family. Back then, no mobiles, just landlines and chasing clients with directions like 'near the panipuri shop'—if the shop shut, toh gaya (then I was lost)! MDRT 2005 was a big moment, counting numbers till the last day. My mentor, Mr. Appachu, always checked on me. Family has sacrificed, so sometimes I just pack up and escape Bangalore for a bit. Yoga, instrumental music, and just chatting with clients—that's how I recharge. Learnt a lot from them.
My Work
All-in-one Financial Services - We cover financial planning, mutual funds, SIPs, insurance, retirement, tax, wealth management, and even loans. Custom investment portfolio for every client.
Your Financial Doctor in Bangalore - We don’t push products. We listen, diagnose, and give real advice—just like a doctor, but for your money.
Honest, Transparent Advice - No sugar-coating. We stay customer-first, always giving transparent insurance advice and realistic plans.
Legacy & Long-term Care - We keep checking in as life changes. Now, my son Harshit is with us, so our holistic wealth management covers your family for years.