Pranamya Financial Services
SEBI Registered Investment Advisor
Frequently Asked Questions
We are a SEBI-registered investment and financial planning firm. We help individuals and families gain financial clarity, build wealth, and plan for a secure future—especially with a strong focus on retirement planning. Anyone looking for structured financial guidance—whether you're just starting your career, planning for your children’s future, or preparing for retirement. We offer goal-based, unbiased advice—free from commission-driven product pushing. Our approach is personalized, transparent, and focused on long-term financial well-being. Retirement can last 25–30 years. Without a plan, inflation, medical expenses, and lifestyle needs may compromise your financial security. A plan ensures stability and peace of mind. Yes. Retirement planning goes beyond individual products—it aligns all your investments to target a specific retirement corpus, ensuring sufficiency, diversification, and efficiency. The earlier, the better. Starting in your 30s or 40s helps you benefit from compounding. That said, it’s never too late to start planning wisely. Yes. We create and manage mutual fund portfolios that match your goals, risk profile, and investment time horizon. Returns vary based on market conditions and portfolio composition. Our focus is on long-term, inflation-beating, goal-aligned performance—not short-term chasing. Yes. All investments are made directly in your name with trusted institutions. We do not hold or manage your funds—our role is that of a trusted advisor. Yes. We are fee-only advisors. Our charges are based on the complexity of your situation and the scope of services. We maintain 100% transparency. We begin with a discovery call, followed by data collection, analysis, plan creation, and implementation. Regular reviews and updates are part of our ongoing engagement. Absolutely. We provide portfolio reviews and second-opinion consultations to help you assess if your investments are working toward your goals. We recommend at least one annual review. However, we’re available for reviews after major life or financial changes. Both. We serve clients via video calls, phone, email, or in-person meetings—based on your preference and convenience. Typically, we need: General FAQs
1. What does Pranamya Financial Services do?
2. Who can benefit from your services?
3. How is Pranamya different from other financial advisors?
Retirement Planning
4. Why do I need a retirement plan?
5. I already invest in PPF and insurance. Do I still need retirement planning?
6. At what age should I start planning for retirement?
Investment & Portfolio Management
7. Do you help with mutual fund investments?
8. What kind of returns can I expect from your investment strategies?
9. Is my money safe if I invest through you?
Fees & Process
10. Do you charge a fee?
11. What is your onboarding process?
12. Can I get a second opinion on my current investments?
Other
13. How often will my plan be reviewed?
14. Do you offer services online or only in person?
15. What documents do I need to get started?