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Retirement Financial Planning & FIRE Advisory in Bangalore

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.

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Certified retirement financial planner in India offering SEBI-registered fee-only retirement planning consultation

  • 15+

    Years of Experience

  • 1200+

    Clients Globally

  • 20+

    Countries Served

  • SEBI

    Registered Investment Adviser

  • 100%

    Fee-Only Advisory

  • Personalized Plans

Wealth Crafts fee-only retirement planning advisor helping you build a structured FIRE plan for financial independence

Financial Advisor for Retirement Planning in Bangalore

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 See What Our Clients Say

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.

Client Stories on Financial Planning & Retirement

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★★★★★

"I was looking for a fee-only financial planner who is neutral to financial products and services companies, does not get commission from mutual fund and other financial houses, and more importantly who can advise me on appropriate asset allocation based on my risk profile, age and retirement goals. Vivek's approach was very professional, methodical and very specific to my needs. He took time to understand my risk profile, and came up with a financial plan."

Srikanth Narasimhan

Mentor for Cisco Lanchpad Cohort 2021, Technical Advisor - Vunet Systems, Advisor Psiog Digital, Founder - Wellnessfor100.org

★★★★★

"In our first conversation, Vivek comprehended my financial priorities and needs very well. Regular meetings gave me confidence in his approach towards financial planning. He helped me create a portfolio to achieve not just my financial goals, but also my life goals. The Investment policy statement designed by Wealth Crafts has helped to protect my portfolio during the current market crash (2020 Covid-19 Pandemic)."

Sandeep Koul

Co-Founder & CTO - Humming Waves - Bangalore

★★★★★

"He advised me very well on all the possible investments that I should do to grow my money and be ready for my emergencies and future planning. He was able to align with my goals and channelize the money so that one day my goals become a reality. Basically, Vivek is someone you can completely rely on when it comes to finances and you will not regret it."

Ankit Mukherjee

★★★★★

"He showed us the real picture of where we are positioned currently in terms of managing our finances and what we need to do to secure our current and future financials. He has been very approachable and friendly while providing any recommendations for our financial investments, suggestions and answering our doubts. Thanks Vivek for the service, my husband and I am satisfied with the experience!"

Pooja Shiwani

Assistant Manager - KPMG - Bangalore

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

Retirement Goals Planning Fee-Only Advisor

Understand Your Retirement Goals

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

Inflation FIRE Number Retirement Planning India

Calculate Your FIRE Number

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

Risk Assessment Retirement Financial Planner

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.

Investment Strategy Retirement Planning Advisor

Build Investment Strategy

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

Retirement Income Plan Fee-Only Advisor India

Plan Retirement Income

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

Retirement Plan Review Fee-Only Financial Planner

Review & Adjust

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

Fee-only retirement planning advisor in Bangalore offering comprehensive financial advisory packages for all life stages

Comprehensive Financial Advisory Service Packages

Value Plan

Plan for your Dreams

POPULAR Get Started

Deep planning for complex, growing wealth

Ideal For

  • Mid-career professionals, dual income
  • Multiple goals running simultaneously

Financial Planning

  • Money Autobiography & Personality Check
  • Comprehensive Financial Plan with Cash Flows
  • Goal-based Planning & Prioritisation
  • Insurance Needs Planning & Review
  • Global Asset Allocation

Implementation Guidance

  • Direct Mutual Fund Implementation Support
  • Asset Allocation & Portfolio Rebalancing
  • Review of Existing Portfolio & Insurance
  • Excel Execution Tracker

Advisor Access

  • Dedicated Team Advisor
  • Email, Scheduled Calls & WhatsApp Access
  • Major Decision Check-ins

Reviews & Reporting

  • Quarterly Structured Reviews
  • Financial Health Report
  • Access to WhatsApp Community

Behavioural Coaching (Any One - Semi-Annual)

  • Money Belief
  • Overcome Financial Fear
  • Money Values Clarification
  • Financial Regret Review
  • Overcoming Scarcity Mindset

₹45,000(Inclusive of Taxes)

Get Started

Premium Plan

Designed for Sophisticated Investor

Get Started

End-to-end wealth partnership for high complexity.

Ideal For

  • Senior executives, NRIs, business owners
  • Estate, succession, or exit planning needs

Financial Planning

  • Couple's Money Session by Vivek
  • Comprehensive Financial Plan with Cash Flows & Two Scenarios
  • Real Estate Optimization / Feasibility
  • NRI RNOR Remittance & Transition Strategy
  • UCITS ETFs / GIFT City Strategy
  • Planning Return to India within 5–10 Years

Implementation Guidance

  • Direct Mutual Fund Implementation Support
  • Asset Allocation & Portfolio Rebalancing
  • RSUs / ESPPs / ESOPs Compensation Reallocation
  • Master Document for Family
  • Trusted Network of CAs, CPAs & Estate Planners

Advisor Access

  • Senior Dedicated Advisor
  • Priority Video, Email & WhatsApp Access
  • Unlimited Between-Meeting Support
  • Family & Next-Generation Meetings

Reviews & Reporting

  • Quarterly Structured Reviews
  • Annual Comprehensive Wealth Report
  • Access to WhatsApp Community & LMS

Behavioural Coaching (Every Quarter)

  • Money Belief
  • Overcome Financial Fear
  • Money Values Clarification
  • Financial Regret Review
  • Overcoming Scarcity Mindset
  • Planning for Legacy and More

₹75,000(Inclusive of Taxes)

Get Started
Wealth Crafts retirement roadmap providing a clear step-by-step plan with FIRE number, investment strategy and income planning

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

Retirement Financial Planning Services Across Bangalore

We provide retirement financial planning services to individuals and families across Bangalore, helping them plan their retirement corpus, investments and future income based on their financial goals.

Areas We Serve:

  • Indiranagar

  • Koramangala

  • HSR Layout

  • Whitefield

  • Marathahalli

  • Bellandur

  • Sarjapur Road

  • Electronic City

  • Jayanagar

  • JP Nagar

  • Banashankari

  • Malleshwaram

  • Rajajinagar

  • Hebbal

  • Yelahanka

  • Devanahalli

  • Varthur

  • Brookefield

  • Bengaluru Central

  • Outer Ring Road

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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.

Yes. Wealth Crafts provides Retirement Planning (FIRE Advisory) services across major cities including Chennai, Mumbai, Hyderabad, and Delhi, as well as other locations across India. Our retirement planning and FIRE advisory services are delivered online, making it easy to receive personalized retirement strategies, financial independence planning, and early retirement guidance from anywhere in India.

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