Looking for a trusted Certified Financial Planner in Mumbai?
Achieve Financial Clarity with Mumbai’s Trusted Financial Planner
Personalized financial planning, investment guidance, and life-focused strategies to secure your future.
Book a Consultation
Best Financial Planner in Mumbai
In a fast-paced city like Mumbai, money management is not easy.
High living costs, rising inflation, EMI pressure, and tax complexities often leave people unsure about their financial future.
Mumbai is a dream city — but managing finances in the dream city is a big challenge.
The fast lifestyle, unexpected expenses, and pressure to maintain a certain standard of living make financial planning essential for long-term stability.
And it’s not only about salaried individuals.
Many business owners in Mumbai earn extremely well but still have no clarity about where to invest, how to plan their money, or how to generate consistent returns. Without proper guidance, even high earners often miss long-term wealth creation opportunities.
Why the Right Guidance Matters
Niraj Nanal, a Certified Financial Planner (CFPCM) and Registered Life Planner (RLP),
has been working closely with working professionals, business owners and families for over 15+ years to help develop financial clarity and confidence.
Using the Life Planning Approach, the goal is not just to build wealth but to make money a tool that supports the life you truly desire.
What Makes Financial Life Planning Unique?
At Niraj Nanal, we don’t start directly with numbers.
We start with YOU —
your goals, dreams, responsibilities, the life you want to lead, and your personal definition of financial freedom.
Trusted Financial Planner in Mumbai, India
- Expertise : Deep understanding of tax environment, investment options, wealth management, insurance planning and other aspects of financial planning.
- Financial Planner : As a CFPCM we follow the best practices of the industry and a fiduciary approach.
- Holistic Life Planning Approach : Beyond investments and high returns – Life Planning is more than just managing money; it’s about aligning your financial decisions with your personal values and life goals.
- Personalized Financial Plan : An individual financial plan is prepared for each client, aligned according to their goals, risk profile and timelines
- Clear Communication : No hidden charges, clear recommendations and regular reviews of your financial plan.
Financial Planning Services Offered By Niraj Nanal
- 1-year FLP Program: A one-year financial life plan offers a targeted short-term strategy for effective management of your finances.
- Investment Planning Services: Goal-oriented asset allocation, mutual fund selection and portfolio rebalancing. Get mutual fund investment plan designed for long-term wealth creation.
- Retirement Planning Services: Create a retirement corpus with tax-efficient instruments and income-generation strategies to enjoy a comfortable retirement in Mumbai or anywhere you wish. Also use Niraj Nanal retirement calculator.
- Tax Optimization Services : Practical and useful tax planning services, claim exemptions, optimize investments and structure withdrawals in a tax-efficient manner.
- Wealth Management Mumbai: Manage your wealth with effective investment planning and estate planning services
- Insurance Planning: : Life, health and disability planning to protect your family in case of emergency.
- Goal-based Planning: Children Education Planning, Travel Goals, Property Purchase and Succession Planning mapped with timelines and required funds to achieve your goals.
How Do We Work
Understand:
We listen to you and discover your goals, assets, liabilities, cash flows and risk tolerance.
Design
A personalized financial plan aligned to your goals with investment, insurance and debt strategy
Review
Regular Reviews, Rebalancing and course correction as life changes.
Analyze
Examine your finances in general as well as cash flow, net worth, and gap analyses.
Execution
We assist you with the execution of your financial plan (product selection, mutual funds, insurance, etc); .
Planning
There are many variations of passages of lorem Ipsum available, but the majority have suffered.
Who can benefit from our services?
Working Professionals
Who seek disciplined wealth creation and professionalism
Owners and Entrepreneurs
Looking to manage their personal and business finances
Families & Individuals
Aiming for financial stability for individual and families
High Net-Worth
Individuals
Who require wealth management in
Mumbai
Retirement
Planners
Seeking structured financial habits for retirement
Financial
Wellbeing
Anyone who wants a structured approach to financial well-being
Niraj Nanal the Trusted Financial Planner in Mumbai
- Proven track record with clients not just in Mumbai but “Pan-India” and abroad.
- Unique and Effective Life Planning approach to achieve financial freedom and client-first plan.
- Long-term relationships and behavioural coaching to help you stay invested in market cycles.
- A clear roadmap includes the financial plan, execution checklist and periodic reviews of your financial plan.
Book Your Exploration Session Today
Let’s understand your goals and map out a clear, practical, and effective plan to achieve them.
Select the planner who has appropriate certification preferably CFP, can articulate a clear financial process from Exploration to Execution of the plan and further review of your financial plan.
A financial planner in Mumbai offers investment planning, retirement planning, tax optimization, insurance planning, and goal-based planning services.
Yes, a financial planner reviews your income, investments, and withdrawals to plan on tax-efficient instruments and structure investments for optimum tax outcomes while keeping investment goals intact.
A financial planner takes into consideration retirement income needs, inflation, existing savings, and expected returns to arrive at the required corpus. Then design a mix of Equity, Debt and other instruments to reach the targeted corpus.
Start with emergency fund accumulation (6-12 months). Implement pay yourself first strategy for discipline investment. Most important, follow a goal-based plan, not market noise.