Honest, conflict-free money planning for Indian families — the guides a fee-only adviser would write, because no product is being sold.
The honest retirement-corpus number for India — why the US 4% rule is unsafe here, why you need 30–33× your annual expenses, and how tax on withdrawals quietly shrinks the pile.
A nominee is a trustee, not an heir. Why ~85% of Indians having no will leaves families locked out of their own money — and the simple file that fixes it.
Endowments, money-back and ULIPs bundle insurance with investing and do both poorly — typically 4–6% returns with too little cover. The term-plus-SIP alternative, explained.