Simple, unbiased and no-nonsense approach to Financial Planning
Welcome to VivekTaru. I am Swapnil Kendhe, founder of VivekTaru. I am a SEBI Registered Investment Adviser (RIA) and a Fee-Only Financial Planner.
I work on the Financial Planning model of advisory. My job as a financial planner is to set your financial house in order, and align your savings and investments with your goals and objectives; so that you have enough funds available at the time of need. The emphasis is on avoidance of serious mistakes or losses, and to be free from effort, annoyance and the need for making frequent decisions.
I give advise based on the understanding that the future is unpredictable. There are a range of possibilities in the future. There could be lucky as well as unlucky outcomes. I believe that the financial plan should be designed to withstand and survive unlucky outcomes and not just to sell dreams.
After spending over 6 years of my life studying and exploring personal finance and investing, I have realised that outcomes are not in investor or adviser’s control. No investor or adviser can find the best performing fund of the future unless he/she is lucky. The role of an adviser is to help his clients focus on the process, follow time-tested principles and practicalities of investing, and avoid common investing pitfalls since it leads to much better outcomes in investing compared to the focus on outcomes. I keep things simple in life as well as in financial planning. I do not recommend complicated financial products.
If you are looking for a simple, unbiased and no-nonsense approach to your financial planning, you have landed at the right place.
‘VivekTaru’ is a Marathi word meaning ‘The Wisdom Tree’. I chose this name for my website because everything boils down to wisdom in investing and money management.
As a SEBI registered investment adviser, I have the fiduciary responsibility to serve my clients. Meaning, I have to put my client’s interest above my own.
“Fee-only” means I charge a flat annual fee for the advice, based on the amount of work involved. I receive no commissions or incentive of any kind from mutual fund houses, insurance companies and other financial product manufacturers.
The Fee-Only model eliminates the conflict of interest involved in commission-based advice. This helps me provide unbiased, objective and comprehensive financial advice.
Over 125 Fee-Only Financial Planning clients.
I feel fortunate to have met Swapnil to sketch out my investment strategy and financial planning. Since I met him, he is been a single point of contact for all my investment need including mutual fund, insurance, debt or any other tax saving instruments. Swapnil has wealth of information and works in very organized and simple techniques which helps you connect to your long-term strategy, identify goals and put together execution plan. It's only when you engage with him you realize all the benefits you were missing by not having a good financial advisor.