1. Getting Financial Plan at PrudentFP
Very often in life, we don't seem to have a plan. This is a debateable topic, still let's try to understand
and find out why should I have financial plan. Everything "just happens". Things are moving on each
passing day in our financial lives too.
Getting Financial Plan is the first step towards turning the invisible into the visible. It would tell you
"Where are you now?","What may you need in future?" and "What you must do to reach your goals?".
Getting Plan is deciding a road map for you self. It is deciding in advance how will you invest your
money which helps you achieve your Financial Goals in life comfortably. It will give you a Path on
which you just have to walk overtime. Financial Plan is about Consistency. It’s about having a vision.
It’s about promise to yourself that you will follow the plan with discipline. Its not about getting 30%
or 40% its about getting X%
Have you ever paid the fees?
We like to pay Doctor fees, Architect fees, Lawyer fees and accordingly professional Financial Planner
charges fees. The fees are charged for the competent and unbiased advice which our Financial
Planners give you by using his/her expertise and experience.
You buy an arbitrary ULIP insurance policy with a premium of Rs 50,000 per annuam because the
salesman was really persuasive or some uncle (or dad' close friend) happened to be an agent and sold
you policy to save tax and secure your future. If you are in the 30% tax bracket, you will save Rs.
15,000 in tax. But if that was a ULIP with a 50% premium allocation charge( which is the case, quite
often), Rs 25,000 is lost the moment you sign the document and this amount would go in the pocket
of your agent in the form of his first year commission. So you save 15k and lose 25k as charges!
Actually, you have paid indirectly fee to your agent for buying biased product, still you are in happy to
pay them and considered as good investment instead of expense.
Page 1 of 5

2. Getting plan an expense or an investment?
Ask yourself: "Is taking advice from an expert regarding my financial life an "expense" or an
"investment" which can improve my financial life and enable me to reap benefits over the long term?"
We are simply programmed to try to acquire anything we pay for at a lower cost or may be even for
FREE.
Would you settle for a common school for your child, even if you can afford a better one? Would you
opt for hospital merely because the fees are low compared to others in the vicinity, even though it is
the health of your loved ones that may be at a stake? No. You wouldn't compromise on these services
because you consider them as crucial. In these cases, you want the best quality that your money can
buy. If that's so, why is it not the case with financial advisor? Keep in mind the fact that your financial
advisor is going to deal with your wealth; your hard earned money, which is going to be used for your
children's education, your dream home, your retirement, your other big goals in life.
We work with you to make your financial life awesome. So you would be better off hiring us as we
know the best and give the best quality that your money can buy because you are putting your life in
our hands…after all, your life is governed by the state of your finances to a great extent. Don't
compromise on quality for a couple of thousand.
Look for value or real return of product who is more interested rather than more interesting; look at
PrudentFP is to serve you rather than please you; look at PrudentFP is committed to solving your
problems; look at PrudentFP is willing and able to bring about the change in your financial life that
you have been seeking... The focus must be on Value and not on Price.
Transform your financial life so that you would give it at least 8-9 stars out of 10 if you were to rate it.
Get financial plan who shall help you move forward. Consider paying for advice and getting plan as an
investment, rather than just another monthly expanse.
Get the best plan at the best price!!!
____________________
Suresh K Narula, CFPCM
Principal Financial Planner , Prudent FP
Page 2 of 5

3. Plan Options & Pricing
We offer Financial Planning options to suit-everyone. After all, we have always maintained that financial planning is not only for rich and
ultra rich people. Check out the details of out three variants and choose the one that suits you.
Plan Option Standard Plan Premium Plan Prudent Plan
Standard Financial Plan Premium Financial Plan Prudent Financial Plan
covers Single or Multiple Goals covers Single or Multiple Goals and with Detailed Analysis of every piece of
and is completely based on is completely based on inputs information relevant to you prepared after
Plan Coverage inputs provided online by you provided online by you as well as scrutinizing all your documents & papers
collected during discussion with
Financial Planner
Plan Content 15-20 Pages approx. 25-35 Pages approx. 40-60 Pages approx.
Very High but mainly Very High with a Certified Financial Intricate calculations covering every area of
Calculation Depth automated Planner's Expert Touch your file and considering every financial
detail relevant to you
Service Time 1-2 Weeks 2-3 Weeks 3-4 Weeks
Depends on You. Only the Details provided by you as well as Everything is considered. Your every financial
Incorporation of Information provided by you is information collected during decision & every investment made in the
Existing Investments considered for plan discussion with Financial Planner is past is evaluated and appropriate
preparation considered and used recommendations are made
Completely Online. Mainly Online with limited Highly Personal with many rounds of
Information is collected and Interaction with Certified Financial discussions via meetings, phone, FB or mails.
Plan Process plan delivered virtually in pdf Planner. Plan delivered in pdf Plan delivery option as desired by you both
format format pdf and physical options available
Personal Touch by
Limited Moderate Maximum
Planner
Plan Implementation
Available Available Available
Assistance
Ongoing Services Getting update all latest Monitoring of Plan as well as reviewing of
Not Applicable amendments in Financial areas plan for the first year only
/Availability
Tax & Estate Planning as well as Tax
Special Features NIL Tax & Estate Planning
computation and filing of income tax return
We prefer life long association with
Mainly for one-time financial Recommended long-term
comprehensive annual reviews. Suggested
Client Commitment planning clients with simple commitment with a minimum of 10
commitment from your side is a minimum of
financial goals years along with annual review
10 years
Completely Online. Mainly Online with limited Highly Personal with many rounds of
Information is collected and Interaction with Certified Financial discussions via meetings, phone, FB or mails.
Plan Process plan delivered virtually in pdf Planner. Plan delivered in pdf Plan delivery option as desired by you both
format format pdf and physical options available
Clients looking for moderate Clients looking for high level of detailing,
Suited For Everyone
detailing and customization customization and personal touch
Page 3 of 5

4. Annual Fee
` 6,000 ` 10,000 ` 15,000
(All inclusive)
Per Day Cost ` 17 ` 28 ` 41
Much less than what you pay for a meal of McDonald's, a movie ticket or a drink at a restaurant.
Something you do without even thinking about the cost, isn't!!!
Per Month Cost ` 500 ` 834 ` 1,250
Much less or equivalent your monthly mobile bill, petrol expenses, gym charges and club fee etc.
Convenience is the main advantage at PrudentFP because of the following reasons:
Hassle Free Data gathering You can provide your details whenever you have the time and you don't need to provide all the details in one
go. You have to fill simple and lucid manner automated Prudent Questionnaire in excel along with your Xerox copies of requites documents
and mail to planner@prudentfp.in
No Travel Constraint You also enjoy the convenience of location. There is no need to travel to your financial planner's office or to entertain
him at your home. Whether it is providing the initial information, Reviewing the Financial Plan or providing your feedback- you can do it
right from your home, office or a cyber cafe!
Time The entire process of preparation of your financial plan can be completed in 2 to 4 weeks ,depending on the complexity of the
situation and /or time constraints at our end.
Process:
Payment Once you decide to select our plan model, the first step is to Make Payment of Our Annual Fee. After all
Step 1-
,there are no free lunches in life!!!
Data Gathering After your payment is received, we would forward you a Prudent Questionnaire excel based
Step 2- (data collection) form. If you are familiar with excel, you can fill relevant information online. Otherwise, take a
printout of the form , fill it by hand send it to us by courier.
Request for Additional Information. We would like to ask a list of Xerox copies of your investment and income
Step 3-
details.
Draft Financial Plan Based on the information provided by you ,we will prepare a draft financial plan and forward
Step 4-
it to you (PDF format) for your review.
Your review of the draft financial plan You go through the plan and check your details have been shown correctly.
Step 5-
You share share your views and would also mention changes, if any that would like to be incorporated.
Step 6- Your FINAL financial plan Based on your reviews and feedback ,we would post your financial plan (PDF format)
Periodically Review Preparing the Financial Plan is the first and most important step in maintaining a fine financial
health. But we also need to ensure that the financial plan is changed as and when appropriate-say when there is an
Step 7-
addition to the family, income level changes, etc. Also we need to see that the financial plan is performing as
expected, and changes need to be made if required.
Page 4 of 5

5. Payment Options
You can pay by (1) Cash, (2) Cheque or (3) Net Banking
Our Account details are as under:
Name Suresh Kumar Name Suresh Kumar Narula
Account No. 001301020052 Account No. 10304726488
IFSC Code ICIC0000013 IFSC Code SBIN0001443
Branch Sector 9-D, CHANDIGARH Branch Sector 30-C, CHANDIGARH
Schedule FREE Initial Consultation with our Principal Financial Planner
1397 Sector 25 Panchkula (Haryana)-INDIA
Mobile: +91 98160 02197 E-mail:sureshcfp@gmail.com website: www.prudentfp.in
Page 5 of 5