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Our Process
Tailor-made Financial Solutions
for your family
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MoneySarthi started by looking at Sharma family's complete financial picture—not at which product they should buy.
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We mapped their goals, cash flows, existing investments, insurance, loans and future commitments.
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And then the picture became clear.
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Some money was invested without a defined purpose.
Some risks were inadequately covered.
Some goals were competing for the same money.
And they were taking decisions one at a time, without seeing their impact on the bigger picture.
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So instead of adding more products, we first simplified the financial architecture.
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We identified what needed to change, what could stay, what needed protection, how much should be allocated to each goal—and what decisions could wait.
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We built realistic alternatives, personalized for the Sharma Family.
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We stress-tested the alternatives against different scenarios, using Monte-Carlo simulations
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We helped the family decide what actually suited best for their circumstances. Ultimately improving their financial health
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Only then we executed the roadmap, marking important milestones with proper safety net.
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After implementation, comes constant review, in order to change the plan, as and if circumstances changes
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Your Needs, Our Services
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Sounds Familiar?
If you are nodding your head while reading this, then MoneySarthi is here to help.
Unclear Investment Purpose
You have multiple investments, but don’t know which goal each investment serves?
Unsure If Investments Are Working
You invest regularly, but feel unsure whether they will work or not?
Insurance Protection Gaps
You have insurance, but aren’t sure what risk it actually protects.
No Long-Term Financial Strategy
You earn well, but feel decisions are reactive, not planned.
How MoneySarthi Helps You
The Core Team
Our Philosophy
Money decisions should not start with products. They should start with clarity.
At MoneySarthi, we believe most financial mistakes happen not because people lack investment options, but because they lack a clear diagnosis of their financial situation.
Just like a doctor studies reports before prescribing treatment, we begin with a Financial X-Ray — a structured analysis of your cash flow, investments, insurance protection, tax structure, and long-term goals.
Only after understanding the full picture do we recommend solutions.
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We act as a financial guide — a Sarthi — helping families make confident financial decisions through clarity, structure, and long-term thinking.
Manujanshu Pal
Principal Consultant - Finance
Personal Finance & Wealth Management
With over 12 years of experience, specializes in personal finance advisory, wealth management, and investment strategies across debt, equity, and derivative instruments.His professional journey combines both analytical expertise and hands-on trading experience, enabling him to deliver comprehensive financial solutions tailored to client goals.
Sanjiv Chanda
Principal Consultant - Taxation
Tax Planning & Investments
Ex-Deloitte with an overall experience of more than 12 years in taxation and debt investments. His experience in GST and Income Tax planning, along with strong analytical skills has helped numerous indivual and business clients in achieving their financial goals.
Our Guiding Principles
Diagnosis Before Advice
Every financial recommendation must start with data, analysis, and context — not assumptions.
Protection Before Growth
A strong financial life is built on risk protection, liquidity, and stability before aggressive wealth creation.
Strategy Before Products
Insurance, investments, and loans are tools. The strategy always comes first.
Clarity Before Complexity
Financial planning should simplify life, not overwhelm it with jargon and unnecessary products.
We work like a financial architect Not product sellers.
Advice First.
Execution Second.
Handholding Always.
For Responsible Individuals & Families
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Married couples starting a family
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Lifestyle inflation
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Dual income drift
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No defined long term plan
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Married couples with kids
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EMIs + Childcare
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Insurance confusion
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Compounding delay
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Mid-aged family with teenagers
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Education funding pressure
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Asset liquidity planning
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Goal mismatch
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Pre-retirees assuring post retirement stability
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“Is it enough?” question
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Portfolio risk
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Income transition planning
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Single parents looking for family security
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Zero margin for error
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Protection anxiety
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Decision overload
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Senior bachelor supporting ageing parents
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Medical uncertainty
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Emotional financial decisions
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Hidden dependency load
In short, if you are the one who handles financial responsibility of your family, then this is for You!
How MoneySarthi Works
The "Financial Blueprint"
What it is?
A structured financial plan that aligns:
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Your goals
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Your cash flows
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Your investments
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Your insurance
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Your loans
Into one clear system.
What you receive?
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Goal mapping with timelines
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Cash flow & surplus analysis
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Investment structure & allocation
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Risk & insurance review
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Actionable next steps
What it is not?
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A product pitch
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A return promise
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A generic report
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