Goal-Based Financial Planning for Indian Families
Make clearer money decisions across goals, retirement, investments, risk and financial wellbeing.
Built by Salonee Sanghvi
CFA Charterholder
SEBI Registered Research Analyst.
19+ years in financial services
Headquartered in Mumbai
Remote-first conversations across India
Work With Us From Anywhere in India
We work with Indian families, professionals, business owners and NRIs who need help thinking through Indian financial decisions such as:
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Goal planning
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Retirement planning
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Mutual fund portfolio review
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Risk profiling
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Financial wellbeing
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Net worth organization
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India-linked family financial decisions
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Headquartered in Mumbai
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Available remotely across India
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For Indian residents and NRIs
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Focused on Indian markets and India-linked planning
We do not provide foreign tax, legal or cross-border regulatory advice.
Free Financial Calculators for India
Start with one of our free financial calculators or assessments. Each tool helps you answer a specific money question before you book a conversation.
How My Wealth Guide Helps
We help individuals and families think through financial decisions in a structured way.
We help you connect money decisions to real goals such as retirement, children’s education, buying a home, family security and long-term wealth creation.
We help you estimate retirement corpus needs, future expenses, cash flow, asset allocation and how current assets fit into your retirement plan.
We help you understand your risk capacity, investment horizon and behavioural comfort before making investment decisions.
We help assess cash flow, emergency readiness, insurance protection, net worth, goal readiness and investment behaviour.
We help review whether your mutual fund and investment portfolio is aligned with your goals, time horizon, risk profile and broader financial plan.
NRI India-Linked Financial Planning
We can work with NRIs who need help reviewing India-linked financial goals, Indian mutual fund portfolios, family finances in India or India-based retirement planning assumptions.
Our Planning Approach
Good financial decisions come from structure, discipline and realistic expectations — not from chasing short-term market noise.
We focus on:
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Goals before products
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Risk suitability before return chasing
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Cash flow and emergency readiness before complex strategies
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Transparent assumptions before false precision
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Long-term planning before short-term market reactions
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Periodic review instead of one-time decisions
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Education before blind action
Where mutual fund investments are implemented through My Wealth Guide, we may earn distributor commissions. We believe this should be stated clearly so that clients understand how implementation works.
How the Planning Process Works
Understand Your Situation
We start with your goals, current investments, income, expenses, liabilities, risk profile and financial concerns.
Diagnose the Gaps
We review whether your current financial position is aligned with your priorities, time horizon and ability to take risk.
Build the Plan
We map goals, retirement needs, protection, asset allocation and investment actions into a structured plan.
Implement Carefully
Where suitable, we help you execute the required transactions and organise the next steps.
Review and Rebalance
We review progress periodically and when major life, market or financial changes require attention.
Why Work With My Wealth Guide?
Research-Led
My Wealth Guide is built by Salonee Sanghvi, CFA Charterholder and SEBI Registered Research Analyst.
Practical
The focus is on usable decisions, not jargon-heavy reports.
Transparent
We explain assumptions, limitations, product roles and implementation economics clearly.
Long-Term
We do not build plans around short-term market noise or guaranteed-return promises.
Tool-First
Our calculators and assessments help you start with clarity before committing to a conversation.
See Our Published Model Portfolio
Projections are illustrative. Where relevant, you can also review our published model portfolio on Smallcase to understand how we think about portfolio construction over time.
Frequently Asked Questions
What is goal-based financial planning?
Goal-based financial planning starts with specific goals such as retirement, children’s education, buying a home or long-term financial security. It then works backward to estimate how much may be needed, by when and what investment plan may be required.
Does My Wealth Guide work with clients across India?
Yes. My Wealth Guide is headquartered in Mumbai, but planning conversations and tool-led workflows can be handled remotely. We can work with Indian residents across India, subject to fit, scope and regulatory limitations.
Can NRIs contact My Wealth Guide?
Yes. NRIs can contact us for India-linked financial planning conversations, such as Indian goals, Indian mutual fund portfolios, India-based family finances or retirement planning assumptions. We do not provide foreign tax, legal or cross-border regulatory advice.
Is My Wealth Guide a SEBI Registered Investment Adviser?
No. My Wealth Guide should not be described as a SEBI Registered Investment Adviser. Salonee Sanghvi is a SEBI Registered Research Analyst, and My Wealth Guide also operates as an AMFI Mutual Fund Distributor.
Can My Wealth Guide review my investment portfolio?
Yes. We can help review whether your investments are aligned with your goals, risk profile, time horizon and broader financial plan. This does not mean returns are guaranteed or that every investment action will be suitable for every investor.
Does My Wealth Guide recommend mutual funds or investment products?
Where implementation is suitable, My Wealth Guide may help with mutual fund transactions as an AMFI Mutual Fund Distributor and may earn distributor commissions. Any product discussion should be understood in the context of your goals, risk profile, time horizon and broader financial plan.
Do you provide guaranteed returns?
No. We do not provide guaranteed returns or promise investment performance. Investments are subject to market risk, and financial planning depends on assumptions that may change.