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.
‘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.
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 nine years of my life studying and exploring personal finance and investing, I have realized 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 arrived at the right place.
| Complaint Status as on June 30, 2021 | |
| At the beginning of the month | 0 |
| Received during the month | 0 |
| Resolved during the month | 0 |
| Pending at the end of the month | 0 |
| Reasons for pendency | NA |
FIDUCIARY
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.
NO COMMISSIONS
“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.
NO CONFLICTS
The Fee-Only model eliminates the conflict of interest involved in commission-based advice. This helps me provide unbiased, objective and comprehensive financial advice.
EXPERIENCED
Worked with over 300 Financial Planning clients.
After having burnt my fingers and money with financial advisors who worked off commission, I reached out to a number of fee-only financial advisors. Out of all the advisors I spoke with, Swapnil had a unique story and truly gave me the feeling of being a life advisor. We tend to forget that importance of financial planning and its effect on our day to day life. Swapnil made me think about my finances holistically and that really changed my perspective on how to plan and increase my saving rate. I cannot recommend him enough.
Prashant Roy
Corporate LawyerI 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.
Jayant Poogalia
Delivery Head - ERP & BI, Brandsafway, HyderabadI was looking for professional advise on my current investments and read about Swapnil on freefincal.com. I am very happy and satisfied that i decided to hire Swapnil as my financial planner . He is very organized and professional at his work. He quickly grasps the current financial situation( investments) done by an individual. Due to lack of time and being busy at work, we tend to miss out the important aspects of investing and end up getting influenced by agents/brokers/banking advisors and invest in the wrong areas. Swapnil is very good at highlighting the small but very important aspects of investing which is to look at goal based investing and not returns based investing. He also is very meticulous in highlighting the common mistakes of investing that we do( like mixing investments with insurance, the type and mode of mutual funds we invest in) He believes in keeping investing simple and also enable individuals to learn the crucial aspects of investing. I highly recommend Swapnil as a Fee only Financial planner. Keep up the good work Swapnil and ALL THE BEST.
