For founders, doctors, consultants and anyone whose money doesn't arrive on the first of the month.
Salaried people get a lot of financial structure without asking for it. When you work for yourself, every piece of it becomes your job.
The same amount on the same day every month
You decide what to pay yourself, and when
Provident fund contributions, automatically
Retirement savings happen only if you set them up
Gratuity after five years
There's no lump sum unless you build one
Group health insurance
Cover for your family is yours to arrange
Tax deducted before the money reaches you
Advance tax, paid in instalments through the year
Paid leave
No income when you stop working
None of this is hard. It just doesn't happen by itself.
Move a fixed amount from your business or practice account to your personal account every month. Same date, same amount. Good months top up a reserve. Lean months draw from it.
Salaried people are often told to keep three to six months of expenses aside. With uneven income, more is usually wiser. We help you work out a number that fits your pattern, and keep it somewhere easy to reach.
A big payment tempts you to invest it all at once, or to spend it. A systematic transfer plan (STP) moves it gradually from a steadier fund into growth funds over a few months. You stay invested without staking everything on one day.
You started earning years after your school friends. First the training, then the cost of setting up a practice. When the income finally arrives, it arrives fast, and so does the pressure to catch up. We help you catch up calmly, without products that promise shortcuts.
Most of your wealth sits in one company: yours. It might be worth a great deal one day. It might not. Your personal savings shouldn't depend on the same outcome. We build a mutual fund portfolio that stands on its own, apart from the business.
Your income is tied to your hours. When you take a break, so does the money. A strong cushion and a steady monthly transfer turn a sabbatical into something you look forward to, not something you dread.
Bucket one holds your cushion and the next year's needs.
Bucket two holds money for the next few years. A clinic upgrade, a home or a child's school fees.
Bucket three is long-term money that doesn't care what this quarter looked like.
Your Yearly Rhythm follows your business, not the calendar. We time check-ins around your busiest and leanest months.
Often, yes. Companies, LLPs and partnership firms can usually invest surplus money in mutual funds. The tax treatment differs from personal investing, so we work it through with your CA first.
It changes how your tax is worked out, not how your money should be organised. Your CA keeps the books simple. We keep the investing simple.
Yes. Keep the SIP small enough to survive your leanest month. Add lump sums when the good quarters come.
My practice runs like clockwork. My own money doesn't.
When a good quarter comes, I'm too busy to deal with it. When a slow one comes, I'm too worried.
Everything I own is tied up in the business. I know that isn't ideal.
I pay my staff on the first of every month. I've never paid myself a salary.
My CA handles the taxes. Nobody looks at what happens to the money after that.
There's no employer PF or gratuity for me. Retirement is entirely up to me.
45 minutes, around your clinic or client hours. No fee, no pressure.
Limited to 15 new partnerships this quarter.