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I do not indulge in financial predictions since I possess no knowledge of future. I do not claim to have encyclopedic knowledge about markets and investing either. My only answer to questions like “what do you think market will do in next month, next quarter or next year?” etc. is “I don’t know”. And therefore, if you are looking for an adviser who has all the right answers to all your questions, the adviser who can entertain you with his advice, then I am not the adviser you are looking for.

I give advise based on the understanding that future is unpredictable. There are range of possibilities in future. There could be lucky as well as unlucky outcomes. Therefore, the only sensible thing we can do while designing financial plan is to follow time tested principles and practicalities of investing, to stick to the process and avoid common investing pitfalls.

I like to keep things simple in life as well as in investing. I do not recommend fancy or exotic financial products. I do not seek sophistication to justify my fee but I believe that simple is more sophisticated in investing.

If you are looking for simple and no-nonsense approach to your financial planning, then you have probably landed at the right place.