Dear Friends, A decade ago when I(was 18) entered this world of financial planning, I never knew the power it posses, nor did I visioned then that how crucial it can be in one's life. It can be very helpful in achieving the financial short falls that an average middle class family gets trapped into every now and then. Over the period of time, being practically working on the ground, I gained a deeper insight of it. All these years, I had approached many peoples, families and discussed financial planning with them. Imparting good understanding of financial products and making them choose the best to cater their needs has provided an extra edge to their investments in terms of returns. Diverting people from uncertain legacy savings habits to proper goal oriented investing habits has certainly made them realized the true benefit of financial planning. Today, when I sit with those families, watching them discussing their financial goals, planning for it, taking possible steps