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 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 future is unpredictable. There are 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 more than 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 simple, unbiased and no-nonsense approach to your financial planning, then 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 personal finance.
As a SEBI registered investment adviser, I have a 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 service, based on the amount of work involved, and I receive no commissions or incentive of any kind from mutual fund houses, insurance companies and other financial product manufacturers.
By not selling products, the conflicts of interest that are commonly experienced with commission-based advisers are automatically eliminated. This helps me provide unbiased, objective and comprehensive financial advice.
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.