Calendar Icon Schedule a Call

Certified Retirement Financial
Planner in India

Many people earn and save well, yet still feel unsure about their retirement. Without a clear plan, it is hard to know if your money will be enough or when you can safely stop working.

Questions about future expenses and running out of savings are common and valid. At Wealth Crafts, we bring clarity with a simple, structured FIRE plan so you can move toward financial independence and retire with confidence.

“Plan Today for a Comfortable & Stress-Free Retirement”

Around 80% of people approach retirement underprepared, risking lifestyle compromises later. Start planning now to ensure a secure and comfortable retirement.

Schedule a Free Introductory Call

  • 12+

    Years of Experience

  • 1200+

    Clients Globally

  • 20+

    Countries Served

  • SEBI

    Registered Investment Adviser

  • 100%

    Fee-Only Advisory

  • Personalized Plans

Certified Retirement Planning Advisor in India

Your Retirement Needs a Plan, Not Assumptions

Planning for retirement is not only about saving money. It is about knowing if your current steps will support your future life. Without a clear plan, it is easy to lose direction.

Many people save in parts. They may have PF, mutual funds, or insurance. But these are often not linked to one clear retirement goal. This can create doubt about whether they are doing enough.

At Wealth Crafts, we bring structure to your plan. We connect your savings to clear goals and guide each step based on your needs, not products.

Talk to an Advisor

What is Retirement Planning (FIRE Advisory)?

Retirement planning helps you build enough money so that your money can support your life without a regular income. FIRE means financial independence, early retirement. It focuses on saving and investing with clear goals so you can decide when to stop working.

A good plan ensures your money will last you a lifetime. It gives you clarity on where you stand today and what steps you need to take next.

A complete retirement plan covers:

  • Goal definition — when you want to retire and how you want to live
  • Expense estimation — your current and future living costs
  • FIRE number — the total amount needed for a secure retirement
  • Investment & Income Strategy — a plan to build your retirement corpus and generate regular income
  • Risk planning — protection for health and income gaps
  • Regular review —updates based on life and market changes

Our 3 Promises

CLARITY

Understand Your Financial Situation

We provide you with a detailed understanding of your financial situation, helping you gain clarity on:

  • Where you stand financially: A comprehensive snapshot of your income, expenses, assets, and liabilities.
  • What goals are achievable: We assess your financial goals and help you distinguish between what’s attainable and what might require more effort.
  • How to prioritize your goals: Not all goals can be pursued simultaneously. We’ll help you identify which goals to focus on first and what trade-offs might be necessary.
  • What course corrections are needed: As life evolves, so do financial priorities. We guide you through any adjustments needed to stay on track.

SIMPLICITY

Focus on What Matters

Successful financial management doesn’t have to be complicated. We believe in simple strategies that deliver long-term results. Here’s how we ensure simplicity:

  • Straightforward solutions: We cut through the complexity of financial markets, offering you clear and actionable steps.
  • Avoiding distractions: Many people are tempted to take on complex strategies that often lead to confusion. We help you avoid those pitfalls and focus on what truly works.
  • Consistency: The best financial strategies are the ones that are easy to follow and maintain. We’ll design a plan that’s simple but effective, allowing you to consistently build wealth and security.

STRUCTURE

Framework for Taking Action

A financial plan isn’t just something you create once and forget. It’s a living guide that requires consistent monitoring and adjustment. We provide you with a framework for action that covers three major triggers:

  • Change in goals or personal circumstances: Life changes—whether it’s a new job, a child’s education, or a major purchase, we help you reassess and adjust your plan as needed.
  • Deviation from ideal asset allocation: If your investments drift from the ideal allocation due to market performance, we guide you in rebalancing to stay aligned with your long-term strategy.
  • Change in market conditions or investment options: Financial markets can change rapidly, and new investment opportunities might arise. We’ll help you stay ahead by adjusting your portfolio when necessary.

Challenges in Retirement Planning and How We Solve Them

Many people face common challenges while planning for retirement, even when they save regularly. We help you identify these gaps early and provide practical solutions to keep your plan on track.

No Clear Retirement Goal

Many people save without a clear target, which makes tracking progress difficult. This often leads to confusion or slow results. We define your FIRE number so you know your goal.

Confusing and Unreliable Advice

Advice from many sources can create doubt and mixed actions. It may not match your needs, risk profile or life stage. We provide clear, simple guidance based only on your goals.

Ignoring Future Cost Increases

Costs rise over time, but many plans ignore this factor. This can reduce the value of your savings later. We adjust your cost of living to inflation so your plan stays realistic and steady.

Poor Risk Planning

Unexpected situations like health issues or job loss can affect your savings. Not having a contingency plan can be devastating. We build safety through emergency funds and proper protection through insurances like term, health, critical illness and disability covers.

Imbalanced Investment Approach

Some people take high risks, while others avoid growth. Both can affect long-term results. We build a portfolio with ideal asset allocation that matches your risk profile, time horizon and priorities so that there are no mis-aligned investments.

No Plan for Retirement Income

Many focus only on saving, not on using money later. This creates stress after retirement begins. We create a simple withdrawal plan to give you a steady income.

No Regular Tracking or Updates

Plans often stay unchanged even when life changes over time. This can create gaps in your progress. We review your plan often and adjust it when there are changes in personal circumstances, deviation from ideal, asset allocation and significant markets/economic events.

Our Approach to Retirement Planning

Understand Your Retirement Goals

We learn how you want to live, when you retire, and what's most important to you.

Calculate Your FIRE Number

We estimate your future expenses, inflation and needs to define a clear retirement savings target.

Assess Risk & Timeline

We understand your risk-taking capability, willingness and need to take risk along with an investment timeline to construct a portfolio that suits your requirements and goals.

Build Investment Strategy

We create a simple, balanced plan to grow your money based on your goals and needs.

Plan Retirement Income

We design a clear withdrawal plan, so your savings support your life after retirement comfortably.

Review & Adjust

We review your plan regularly and update it as your life and financial needs change.

Comprehensive Financial Advisory Service Packages

Value Plan

Plan for your Dreams

POPULAR

₹25,000

A complete plan to secure your future and grow your wealth.

  • Suitable for the Family Man
  • Networth upto 5 crore
  • Risk Profiling
  • Life & Health Insurance
  • Review of Existing Insurance
  • Emergency Planning
  • Investment Strategy
  • Review of Existing Portfolio
  • Goal Based Financial Planning
  • Retirement Planning
  • Knowledge Sharing Sessions
  • Excel Based Execution Tracker
  • Quarterly Review
  • Webinar Access
  • Unlimited Support
Get in Touch

Premium Plan

Designed for Sophisticated Investor

₹35,000

Advanced planning for high-value financial growth and management.

  • For the Sophisticated Investor/NRIs
  • Networth 5 crore to 10 crore
  • Everything in Value Plan
  • Life Centered Financial Planning
  • Tax Loss Harvesting
  • NRO/NRI Planning
  • Debt Management
  • Net Worth Analysis
  • Asset Allocation Strategy
  • Portfolio Rebalancing
  • Household Cash Flow Management
  • Importance of Will & Estate Planning
  • Excel Based Execution Tracker
  • Quarterly Review
  • Webinar Access
  • Master Document for Family
  • Unlimited Support
Get in Touch

What You Receive as a Wealth Crafts Client?

You receive a clear and practical retirement plan that you can follow with confidence at every stage of your life.

We give you a clear, step by step roadmap that shows how to reach your retirement goal with simple actions and steady progress over time.

We calculate the exact amount you need to retire safely, based on your lifestyle, expenses, inflation, and long term financial needs and goals.

We guide you on how to divide your investments across equity, debt, and other assets to balance growth, stability, and risk over time.

We review your current investments and identify gaps, overlaps, or risks, then suggest changes to align everything with your retirement goals.

We create a simple plan to withdraw money after retirement so your income stays steady and your savings last through your lifetime.

We provide a simple tracker that helps you follow your plan, monitor progress, and stay consistent with your investments without confusion or stress.

We review your plan regularly and stay connected to guide you, making updates as your life, goals, and financial situation change over time.

Why Fee-Only Retirement Advisory Matters?

How your advisor is paid can influence the advice you receive. When advisors earn commissions, they may suggest products that benefit them more than you. This can create confusion and reduce trust over time for clients.

At Wealth Crafts, we charge a fixed fee only. We do not earn from any financial products or providers. This keeps our advice simple, clear, and focused fully on your financial goals.

Fee-Only Planner (Wealth Crafts) Commission-Based Adviser
Source of income Flat fee from client Commission from products
Charges No conflict of interest Conflict may exist
Basis of recommendations Advice based on your goals May depend on product
Responsibility Full transparency Limited clarity

As a SEBI Registered Investment Adviser (INA000018328), we are legally required to act in your best interest at all times.

Retirement Planning

Start Your Retirement Planning with Expert Advisor

Take control of your retirement with a clear and simple plan. Talk to experts at Wealth Crafts over a free introductory call with no pressure and no obligation.

Schedule Your Free Consultation

Common Questions About Retirement Planning & Guidance

By means of disciplined saving and investing, FIRE focuses on reaching financial independence sooner.

You can start at any age, but starting earlier gives you more time to grow your money with less pressure.

Guidance enables you to avoid errors and create a precise, organized plan based on your requirements. As the leading retirement plan advisor in Bangalore, Wealth Crafts provides practical solutions for your goal.

A retirement plan includes your

  • Goals
  • Expense estimate
  • FIRE number
  • Investment strategy
  • Regular reviews to keep everything on track.

We look at your current expenses, future lifestyle, inflation, expected returns, and life span to estimate how much money you will need.

Yes, to increase clarity and performance, we analyze your current holdings in mutual funds, EPF, PPF, NPS, and others except direct equity individual stocks, and fit them with your retirement aims.

Yes, a clear plan helps you feel more secure and confident about your future.

Retirement age depends on your goals, lifestyle, and financial readiness. Some may plan for early retirement, while others prefer a traditional timeline.

The amount depends on your income, current savings, and retirement goals. A structured plan helps decide a comfortable monthly contribution.

Inflation reduces the value of money over time. Your retirement plan should include investments that help your savings grow above inflation.

Even if you start late, proper planning and disciplined investing can still help you build a stable retirement fund.

Savings alone may not be enough. Investments help your money grow and support long-term financial stability.

SEBI's mandatory disclosure requirement

View More
WhatsApp
Phone Call