Firstly I want to thank & acknowledge each reader of jagoinvestor.com for their immense love and support from the bottom of my heart. Each reader is like an extended family to me. It is clear because you read my articles I write, the more you read the more I get connected to you. I am always excited to reply you on blog comments and e-mails.

I am really committed that each jagoinvestor reader experiences huge financial breakthroughs in their financial life, every reader achieving financial freedom. For a lot of you, jagoinvestor is just a blog which teaches them about personal finance and makes them an informed investor; as a reader you may or may not be aware about our paid financial services. Today I want to share what was happening from last many months and what is our vision in this space. I also want to officially launch our services today which we are providing from last 15-18 months.

Around a year back, I happen to connect with Nandish Desai. He is a powerhouse of amazing ideas and carries a powerful vision which I never saw in anyone. It was very clear that he really understood the real requirements of an Investor and what kind of assistance a person needs in his financial life. It went way beyond traditional financial planning; his style is non-linear in nature. Rather than just focusing on financial data and giving solutions to rectify those, he actually worked with people on their day today financial habits and showing them those internal mistakes which is causing all the financial mess in their financial lives. He works closely with people to get them in control of their financial life by being a coach. It is not just a plain vanilla planner. His coaching skills are deep and transformative in nature. Nandish was also the main speaker at our Pune and Mumbai meets and lots of readers have already interacted with Nandish and Me at these two cities . We plan to re-launch these meets soon in future .

We were inspired by each other, identified our individual strengths and decided to collaborate and work together, hence we teamed up and now we are “Jagoinvestor team“. We then started serving some of the readers of the blog who contacted us and were committed in working on their financial life, as paid service. We started to apply coaching principles. We started working with them in a way which we believed really connects to an individual. After working with lots of clients and repeated experience, we came with something called as Financial Coaching, which I will explain below.

Jagoinvestor Services

For many it might be a surprise that we started our services from today, but it’s not the case. Let me share with you that we are actually providing our services from last 12-18 months, but didn’t open it up for public till date, as we wanted to make sure we dont compromise on the service quality. We have already served many clients till date which are from different parts of India and a lot of NRI’s across some countries who contacted us and asked if we had any services. We offered them customized services which helped them in creating a financial life which they always wanted.

This blog was there to serve readers and give them immense knowledge . This is going to continue and get better each day now onwards. These services are extension of our committment to serve those people who need our deep personal involvement in their financial life, so that we can closely work with them and serve them. Now we are ready to offer our services to everyone. Right now we have total 5 services and I will give a brief overview of those.

1. Financial Coaching

When you hear the name “Financial Coaching”, you get many ideas in your mind, you will relate it as a better version of financial planning, but you are mistaken. It is not Financial Planning, It’s the next level of Financial Planning, and it goes deeper than just financial data and your goals. It works mainly on YOU. It understands why you have messed up your financial life till date? It works on your relationship with money. In Financial Coaching you have a Financial Coach working with you closely , and not a financial planner !

Financial Coach is someone who stands for your financial success , who is a mentor to you in your financial life , who observes you , listens to your financial worries and identifies the flaws in your financial life which is causing problems and not letting you move to next level. Financial Coach will make sure you are on track with your commitment to improve your financial life, Financial coach makes sure you are on track in your financial life and take actions which forwards you with each action.

Let me give you an analogy. Suppose you are not physically fit and have health issues. What will you do? Read below –

Model 1 : You go to a doctor and do a medical check-up. Doctor gives you a report and prescription to you on what to eat , how much to eat , When should you wake-up and how much exercise you should do each day. This is very much like financial planning where you get a Plan, actions required to improve your situation and overall roadmap. If you think, this is exactly what is required, you are mistaken, this works for only a very small number of people who are committed to stay on track and do things on their own. A lot of people are again lost in their personal life after few weeks and months and forget all this planning. They need an extra hand-holding to stay on track.

Model 2 : Let’s now see the same above example and see how coaching can help the same person in the same situation. Now the same person who has health issues gets a fitness coach. The coach studies person’s lifestyle, body, habits and designs detailed action plan for him. He reaches his residence each day in the morning at 7:00 am. The coach will make sure that he will complete his exercise in front of him, he motivates him each day to go to a next level in his exercise, and the fitness coach will observe him coach him each week/month. We can see that this model is more of action-oriented and not just solution-oriented.

In the same way Financial coaching works, financial coach does not just work on your data, he works on you. Financial coach re-designs your financial life and gives you a new eye to look at your financial life, he shows you NEW possibilities possible in your financial life which you can’t see yourself sometimes. He makes you understand how your situation got created, he tries to reach the source of the problem and attacks the source or cause of the problem, not just “the problem”, because unless the source of the problem is fixed, the main issues will keep on happening.

You can read more about financial coaching here

2. Basic Financial Planning

In general Financial Planning includes lots of things which can range from cash flow analysis, your debt management, Insurance and other goals planning along with Estate management. All of this important and everyone should aim to have it in their financial life. However what we feel is that a lot of people get stopped by this complexity and the denseness of financial planning. Hence we have come up with Basic financial planning which focuses on most important aspects of your financial life.

What if you’re Insurance Planning, Children goals and retirement is complete? What if you get guidance on health insurance and Emergency fund building along with this? Won’t you consider 90% of your financial planning complete? I am sure you will and many have told us that this is what the core of their financial life, and that’s exactly basic financial planning does. We make sure we complete your top most priorities in life and guide you on how to implement your plan.

You can read about Basic Financial Planning here.

Clients Testimonials

We asked some of our clients to give their feedback and their testimonial on how our services helped them in their financial life and what they think about us . I am putting up four such testimonials

Testimonial 1

“I wish I had gotten to know Manish and Nandish 5 years back when I started my professional career. My personal finance status would have been much more organized. I have known them for 6 months now and they have been singularly responsible for correcting my last 5 years of mistakes. They not just guide but more importantly educate their readers and clients. And that to me is their biggest contribution. Nandish has gone beyond the role of financial advisor to actually become sort of a personal mentor to me and I owe to him for bringing to my notice the most important SIP we all should make but usually don’t – “Health SIP” – investing every month in ensuring we stay healthy and fit.

I hope we will continue to engage for a long time and I wish them all the best in their future endeavors”

Brij Bhushan

Management Consultant , Gurgaon

Testimonial 2

I have always been grateful to my teachers in my school and my college right from my childhood because they were the one who opened me up to a sea of possibilities and an ocean of knowledge. I am educated ‘formally’ because of them. But was I financially literate? No. I wasn’t. I, then, went in search of quest for financial freedom through Education and subsequently Action. As the maxim goes if you ask the Universe gives, I came across Jagoinvestor blog and took a decision to pursue it seriously. You were my teacher encouraging me to learn about the most important aspect of our life, Money, which others ‘choose’ not to talk about either because of ignorance or because they don’t want to project themselves as running behind money.

Today (PRESENT), I can say, I am lot better in my knowledge of money than I was few months ago(PAST). Importantly, I am more confident of my FUTURE.

And all this is possible because of the awareness created by you guys. In short the most vital thing I learnt is Education combined with Action will lead to your Dream Destination.

Thanks a ton for that!!

Srinidhi Rajshekhar

Software Engineer, Bengaluru

Testimonial 3

My Husband and I are both in our late 30’s. While we were staying in Cambodia, about 1.5 years ago, I came across JagoInvestor and got hooked on to his site. I contacted Manish to help us do our investment planning and and he put us on to his team mate Nandish Desai. Nandish and Manish both worked on a detailed investment plan after understanding our needs, income etc and helped us be on track and motivated us to implement the plan. They are extremely professional and thanks to them we have a disciplined approach to investing now.

Shalu Mehra

Hiring Lead, Human Resources , Gurgaon

Testimonial 4

Once a girl asked to her dad “From when should I start saving for my retirement”, Dad replied”The day you get your first salary”. These words got engrossed on my mind, I started searching for guidance before I got on job so that I can save right from my first salary. In my journey I had been through various financial advisers who recommended me “Whole Life insurance”, “Ulips”,”Sick mutual funds”. With my research I knew everybody was trying to misguide me to attain their targets. I had been to big branded financial advisors but I found the same thing over there. I thought I am stucked, but to my grace I called Jago Investor on 25th Sept 2010 for the first time. After that no looking back I had been in touch with Nandish Sir, taking guidance on financial planning almost every alternate day and I wanted them to be my only financial advisors but due to certain financial problems I postponed the process but finally due to Nandish Sir faith I became part of there family on 22nd Jan 2011. I had read “Rich Dad and Poor Dad” where a Rich Dad, Business Man, guides a young chap to his journey to become America’s one of the Richest person called Robert Kiyosaki. At the age of 23 I found one named Nandish Desai, I am on my way to be what i intend to be. Thanks to Nandish and Manish Sir for their immense faith.

Kamaljit Ridlon

Deputy Manager
Kotak Mahindra Bank
Mumbai

Comments ? I would love to hear what do you think about our services and what other kind of services we can provide in future .