1. The Financial Wellness company

2. Our Vision
Enhance financial wellness 21st century
salaried professionals who are under
20% tax bracket

3. Our Mission
To help atleast 1 Lakh families
accumulate Rs 1Cr each

5. Challenges Faced by Salaried
Professionals
• Very high % of discretionary spending leading
to low savings
• No access to Qualified/knowledgeable/ethical
advisors (because of low potential to earn
income from this segment)
• Community and Group Anchors
– PPF is treated as best investment
– Buy house as early as possible
– Emotionally trapped by Insurance Investments

6. Unique 5 level Financial Wellness
Enhancement Approach
Level 5: One now focuses on implementing the plan to share wealth with society by creating and providing
jobs. At this stage one is secure on Short term and Long Term Financial Needs.
This is the highest level of Financial Wellness.
Level 4: Financial Freedom is achieved, but now savings and investment are being done primarily for
accumulating wealth for the next generation
Level 3: Savings have reached a stage where they is more than what one needs to achieve for financial
freedom. However, one is now saving & investing to meet one’s aspirational needs.
Level 2: Primary focus is on implementing the plan to make Financial Freedom a reality. One has started to
save & invest enough consistently each month so as to achieve Financial Freedom in the near future
Level 1: One is able to comfortably meet normal financial needs even if pay cheque is delayed up to 3
months. However one is still over-dependent on the monthly pay cheque, and monthly savings are far
lesser than what is needed to make Financial Freedom a reality
Level 0: Even if salary is delayed by one day, one is put to a lot of stress, due to committed monthly cash
outflow like Insurance Premium, mortgage EMI, etc.

7. How does the model help?
• Overcome Procrastination
• Simplified model, Easy to understand  Decision making becomes faster
• Overcome Herd Mentality –
• Understand Current Financial Wellness level and take right action (and not
action based on what my neighbors or colleagues do?)
• Overcome Anchors
• Helps identify priorities better (Home first or Retirement Saving First ?
Children Education or Home?)
• Overcome Recency Effect
• Vision from Level 0  Level 5
• Over come Lack of Self control ( by changing the equation)
• Income – Expenses = Savings (is not the right equation)
• Income – Savings = Expenses

8. Our Journey: 2012-2015

9. Unique offering and solutions

10. 10000+ Professionals positively
influenced

11. 500+ Workshops in India’s Leading Companies

12. Financially free, Complementary
Core team – Here for good
• Kaushik Ramachandran
– BITS Pilani, IIM Lucknow
– 15 years Exp in Banking Technology (i-flex) across the globe
– KRA : Consumer Research, Products and Solutions
• Manish Mohan
– BIT Mesra, XLRI
– 20 years+ Experience in Data Analytics with Wipro, HCL, Barclays and Tera Data
– KRA : Process, Compliance and Key Accounts
• S Natarajan
– Madras University
– 20 years in Project Management – Stock Holding/i-flex
– KRA : Technology Enablement
• Anand Kulkarni
– Mumbai University
– 20 Years in LIC
– KRA : Partner Motivation and development

13. What we plan to do to over come these
challenges and reach these investors?
• Create following Positive Anchors before Graduates and Post Graduates
start earning through education
– Save before Spend
– Invest in 3 buckets (Short term, mid term, long term)
– Buy home only after marriage
– 10 times of Annual Income as Insurance and first Policy is to be from PM’s
Jeevan Bhima Yojana and Suraksha Bhima Yojana
• Reinforce above anchors for a sustained period of 3 months and make
them into habits, through simulation exercises via online game based
learning http://dyotasolutions.com/ibank_template/login.php
• Teach them how to manage investments through www.mfuindia.com and
through Direct Plans
• Follow up with them through online till they start earning and make them
start SIP at the early age (imoneyplant mobile app)
• Provide life time online counseling for a very small fee