Question 1

What is the Standard service? Why did you design it?

Accepted Answer

“A Financial Plan is a Roadmap.
To take your finances to where you want them to be.
To use your money intentionally with some direction.
So that you live the life you want to.
Not by accident. But with a plan. And some clarity”.

This service is designed to make that Financial Plan to chart out your life goals, to ensure you meet those goals & to give you access to your Financial Planner 365 days a year.

A Basic Financial Plan focuses on your goals, puts numbers to them, allocates assets & investments and a Financial Planner ensures you stay the course to check off all these one by one optimally.

Read more here : https://www.ashoonya.in/financial-planning

Question 2

Who is this service ideal for?

Accepted Answer

This service is apt for you if :

You want to make a Financial Plan but don’t know how to or need help from a qualified Financial Planner. One whom you trust.

You have never planned your finances before. You are investing or have even dabbled in some insurance but wish to take the next step now with your personal finances.

You have goals like retirement, paying back loans (get debt-free), your child’s education, buying a house etc but don’t have clarity yet & that confusion adds to your stress.

You earn well & have a comfortable lifestyle but don’t seem to have built wealth

You are a woman, single or married, who wishes to plan her finances independently & work with a woman Financial Planner who would understand your perspective better.

Question 3

What does the Standard service cover?

Accepted Answer

A Financial Plan which puts numbers to your goals & a plan to achieve each with timelines.

Goal-Planning for these goals - Budgeting, Retirement, Debt-free, Children’s education,Buying a house, Wealth creation etc.

Mutual Fund Investments : Building & managing a customised Mutual fund portfolio as per your Financial Plan.

Insurance Planning & Implementation with respect to Health & Life Insurance. What to get, how much, for whom as well as lifetime claim assistance.

Quarterly Reviews of progress on your Financial Plan.

Having your own Personal Financial Advisor for advice on everything related to your personal finances. That’s a little (or a lot) better than ChatGPT & Gemini.
	
Real-time tracking of your Financial Plan progress online with the Ashoonya App.

Question 4

Who will be my Financial Planner?

Accepted Answer

Our co-founder Sangeethasruthi Sundararaman will be your Financial Planner.

She is an Economist, holds a CFA Charter, is a Certified Investment,  Insurance & Derivatives Advisor and Financial Planner.

She works very closely with clients when it comes to extensive implementation of financial plans & is a subject matter expert on economics, insurance, tax, investment avenues & financial legality.

The Standard Service was Sangeetha’s brainchild. What started as her personal quest to help women with their personal finances, evolved into a Basic Financial Planning Service which appealed to everyone across genders & income profiles since it addressed the needs of all those who wish to do a little more than just invest but yet do not want extensive Financial Coaching or round-the-clock Wealth Management. Just the right sweet spot down the middle.

Question 5

What is the fee for the Standard service-Basic Financial Planning?

Accepted Answer

INR 20000 per year payable upfront in Year 1 & monthly year 2 onwards with a price freeze commitment for 2 years.

Question 6

How long will it take for you to present my Financial Plan to me?

Accepted Answer

Once all data mining is complete 100% we deliver & present your Basic Financial Plan within 2 weeks.

Question 7

Will I be able to track the progress of my Financial Plan once implementation starts?

Accepted Answer

Yes.

You will have access to our Financial Planning App called Ashoonya which will track real-time progress of all your goals.

Question 8

Do you only make my Financial Plan or do you execute it too?

Accepted Answer

On the Standard service we not only make your Financial Plan we also implement it, review it & pivot where needed, hands-on all year-round.

This isn't a one-off Financial Plan made & delivered to you & only reviewed annually which is the industry standard.

A Financial Plan is a dynamic representation of your life's numbers. The implementation is as crucial as the plan itself.

We are fully invested in your Financial Plan from start to finish-pun intended.

Question 9

Are there any hidden charges to your fee on the Standard Service?

Accepted Answer

None.

We only charge additional fee for add-on services like tax filing or Equity Wealth Management (EWM-acronym for direct equity portfolios or stock market portfolios) to standard clients if they choose to opt-in.

Fee for tax-filing we share with clients the start every new FY.
EWM fee is upon our website.

These 2 in our experience are the 2 most organic add-ons opted-in by standard clients.

We are amongst the rare breed in the personal finance space that has their fee put up openly on their website. Why would fee be under wraps we wonder. 🤔

Question 10

Does the Standard service also include access to a Financial Advisor all year-round?

Accepted Answer

Yes. 24/7 unlimited consults no-holds barred ask us anything related your personal finances & you will only & always be consulting with our co-founder Sangeetha Sundararaman. That is a commitment. No scripted trainee interns or inexperienced advisors.

Question 11

Do you have a referral program on the Standard service?

Accepted Answer

Yes we discount 1st year fee at 50% for all your referrals which is credited as 25% discount to them & 25% credited to you.

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Frequently Asked Questions-FAQ