Resources

MSME Registration

Leaders in Pension
& Post-Retirement
Income Planning

Expert Financial Planning for Private Sector Employees

40 Years of Experience

About Us

CA Ashish Dua

Chartered Accountant with 32+ years of expertise, having worked with GE Capital, KPMG, and Microsoft. Global consulting experience in pension and retirement planning.

Mr. Aadhar Gupta

Mechanical Engineer with 12+ years of experience in financial services, business development, and leadership. Managing partner in financial and insurance brokerage.

Why Pension Planning is Important

No guaranteed income from employer post-retirement.
Rising inflation and increasing stress.
Early retirement desire and young children still needing financial support.
Need for guaranteed income post-retirement.

Financial Categories

Category A

Income minus expenses equals savings for contingency.

Category B

Controlled expenses, planned saving for pension/retirement.

Category C

Often live stress-free lives by managing their finances effectively.

Family Income & Expenses

Age 30-40

Annual Income: ₹24 Lakhs

Expenses: ₹14 Lakhs

Disposable Income: ₹10 Lakhs

Age 40-50

Annual Income: ₹40 Lakhs

Expenses: ₹20 Lakhs

Disposable Income: ₹20 Lakhs

Above 50

Annual Income: ₹90 Lakhs

Expenses: ₹40 Lakhs

Disposable Income: ₹50 Lakhs

Investment Options

Stock Market

Volatility: High

Guaranteed Return: No

Mutual Funds

Volatility: High

Guaranteed Return: No

Bank Fixed Deposit

Volatility: Low

Guaranteed Return: Yes

Annuity

Volatility: None