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Guides for advisers.

Short, practical reads on the financial health check, protection, and the conversations that win and keep clients.

Health check 4 min

Why a short goal is costed at a lower return

Three years or less is held at 7%, under five at 10%, and five or more gets the full rate. Why the step exists, what happens at the boundary, and how to explain it to a client.

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Health check 8 min

Reading the financial health score in a client meeting

A practical guide to reading the six-part health score - emergency fund, insurance coverage, savings rate, debt management, goal readiness and wealth built - and using it to lead and prioritise client conversations.

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Investing 8 min

Step-up SIPs: start small, finish strong

A practical guide to how step-up SIPs let hesitant clients start small today and still reach their goal.

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Debt 8 min

Prepay the loan or invest the surplus?

A practical framework for thinking through when a client might prepay a loan rather than invest the spare money.

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Protection 8 min

How much life cover does a client really need?

A practical guide to sizing life cover for Indian clients using income, human life value and needs-based methods, and how the FinClarus benchmark relates to them.

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Health check 8 min

Building an emergency fund that actually holds

A practical guide to sizing, building and protecting a client's emergency fund in the Indian context.

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Retirement 8 min

Sizing a retirement corpus a client can trust

A practical framework for sizing a retirement corpus from income, inflation and longevity, then finding the monthly amount that closes the gap.

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Goals 8 min

Costing a child's education and marriage

A practical guide to sizing, funding and protecting a child's education and wedding goals without sacrificing the client's retirement.

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Health check 5 min

How the financial health score is worked out

The score out of 100, explained in plain words and followed all the way through with one real client's numbers, so you can see exactly where every mark came from.

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