Quick Answer: What Happens After You Book a Financial Planning Appointment With Us
You call, WhatsApp, or fill our contact form. We confirm your appointment and send you a link to our free online risk profile questionnaire, which takes about two minutes and helps us understand your goals and comfort with risk before we ever speak. Then we meet – in person at our Pallikaranai office if you are nearby in Chennai, or over video for clients across India and NRI families worldwide. In that meeting, we review your existing portfolio and discuss what needs restructuring – or, if you are starting fresh, build your financial plan from the ground up – and walk you through it in writing. Nothing gets executed without your sign-off, and every plan is followed by scheduled reviews as your life and goals change.
Key Facts About Meeting Deepak Wealth Framework
- First consultation: free, no obligation, over call, WhatsApp, or the online contact form.
- Risk profile link: a short online questionnaire we share before your appointment so the meeting itself is more productive.
- Meeting format: in-person at our Pallikaranai office, or video consultation for clients anywhere in India and abroad.
- What we cover: your existing investments, insurance, loans, and goals – whether that means restructuring what you already have, or building a fresh financial plan if you are starting from scratch.
- Services offered: mutual funds and SIP, portfolio review, retirement planning, tax saving, child education planning, wealth creation and protection, contingency planning, estate planning, and health and life insurance.
- After the plan: execution happens only with your approval, followed by ongoing portfolio reviews on a set schedule.
Step-by-Step: From Your First Call to Your First Review
Many clients tell us they were not sure what to expect before their first appointment with a financial advisor. Here is exactly how the process works, from the moment you reach out to the point we sit down together.
Step 1 – You Reach Out, We Confirm
You can call us at +91 91763 40301, message us on WhatsApp at +91 99402 47435, email service@deepakwealth.com, or fill out the contact form on our website. We typically get back to you within one business day to confirm a convenient time for your appointment. There is no cost and no obligation at this stage.
Step 2 – You Complete Your Risk Profile Online
Before we meet, we share a link to our free risk profile questionnaire. It takes about two minutes and asks about your income stability, investment experience, time horizon, and how you would react to a market downturn. As a mutual fund distributor, understanding your risk profile before recommending anything is not just good practice for us – it is how we make sure the schemes we eventually present are genuinely appropriate for you, not generic suggestions.
Step 3 – We Meet, In Person or by Video
If you are in or around Chennai – OMR, Anna Nagar, Velachery, Adyar, Pallikaranai, Medavakkam, Tambaram, Chromepet, T Nagar, Nungambakkam, Mylapore, or nearby – you are welcome to visit our Pallikaranai office in person. If you are elsewhere in India, or an NRI with Chennai roots, we meet over a scheduled video call. Either way, this first proper meeting is where we go through your existing portfolio, your goals, and anything that concerns you about your current financial situation.
Step 4 – We Prepare a Written Plan
After the meeting, we put together a structured recommendation based on what you told us and your completed risk profile. This includes transparent disclosure of how we are compensated. You review it, ask questions, and nothing moves forward until you are comfortable with it.
Step 5 – We Execute, Then Review Regularly
Once you approve the plan, we help you act on it – new investments, restructuring existing ones, or setting up insurance cover, depending on what your plan calls for. From there, we schedule ongoing portfolio reviews so your plan keeps pace with your life, not the other way around.
Free Calculators You Can Try Before We Meet
Want a head start before your appointment? These free tools on our website let you run your own numbers first:
- SIP Calculator – see how a monthly SIP could grow over time at different return rates.
- Step-Up SIP Calculator – see how increasing your SIP every year builds a bigger corpus than a flat SIP.
- Retirement Planning Calculator – find out the corpus you need at retirement and whether your current SIP, lump sum, or step-up plan is on track.
Our Financial Planning Process, in Detail
The appointment itself is only the starting point. Here is how we actually build your plan once we understand your goals.
Understanding Your Own Goals
We start by listening. Retirement at a certain age, a child’s education abroad, buying a home, or simply building an emergency cushion – every plan begins with what you actually want, in your own words and your own timeline.
Reviewing Your Current Financial Situation
Next, we look at where you stand today: existing mutual funds, insurance policies, PF and NPS balances, fixed deposits, bonds, loans, and any other holdings. This is where overlap between funds, gaps in insurance cover, or under-utilised tax benefits usually surface.
Identifying Your Requirements
We match your goals against your current situation to see the gap – how much more you need to save, whether your risk profile matches your current investments, and whether your insurance cover is adequate for your family’s needs.
Suggestion and Planning
Based on this, we put together specific, written recommendations – which schemes, how much SIP, what restructuring is needed, and why. Every suggestion links back to a goal you told us about, not a product we are trying to sell.
Ongoing Portfolio Reviews
A financial plan is not a one-time document. We schedule periodic reviews to check performance, rebalance where needed, and adjust for any change in your income, goals, or life stage.
What to Bring or Discuss at Your Appointment
Coming prepared makes your first meeting far more useful. Here is what helps us help you faster:
- Your existing portfolio: mutual fund statements, stocks, fixed deposits, bonds, PF and NPS balances – anything you currently hold.
- Existing insurance policies: life, health, and any other cover you already have, including sum assured and premium amounts.
- Loan and liability details: home loan, personal loan, or any other ongoing EMI commitments.
- Your goals, roughly ranked: what matters most to you and by when – retirement, a child’s education, a property purchase, and so on.
- Questions about restructuring: if you suspect you are holding overlapping or underperforming funds, bring that concern – it is exactly what a portfolio review is meant to address.
- Your completed risk profile questionnaire: if you have already filled it in online, this saves time in the meeting itself.
For example: a client in Velachery came in holding six different mutual fund schemes picked up over eight years, several with near-identical portfolios. During the review, we mapped out the overlap, identified which ones no longer matched the client’s current goals, and proposed a restructured, more focused portfolio – executed only after the client approved the plan. Individual results vary based on each client’s own goals, timeline, and risk profile; this is illustrative and not a guarantee of any specific outcome.
Portfolio Restructuring and Execution: What It Actually Involves
“Restructuring” sounds bigger than it usually is. In practice, it means comparing what you currently hold against what your goals and risk profile actually call for, then making deliberate changes – not wholesale churn. This can include consolidating old PF or NPS accounts, exiting funds that overlap heavily with each other, moving toward a more goal-aligned asset mix, or simply topping up insurance cover that has fallen behind your family’s needs. We walk you through the reasoning for each change before anything is executed, and every execution step happens only with your explicit sign-off – we do not act on your portfolio without your approval.
Services We Can Help You With
Once your plan is in place, here is the full range of services we can support you with, depending on what your situation calls for:
- Mutual Funds & SIP
- Portfolio Review & Monitoring
- Goal-Based Financial Planning
- Retirement Planning
- Tax Saving Planning
- Child Education Planning
- Wealth Creation
- Wealth Protection
- Contingency Planning
- Estate Planning
- Health Insurance
- Life Insurance
Explore in more depth:
Frequently Asked Questions
Do I need to complete the risk profile questionnaire before my appointment?
It helps, but it is not mandatory. Completing it beforehand means we can use the appointment time to discuss your goals and plan in more depth, rather than filling in the questionnaire together during the call.
Is the first consultation really free?
Yes. The first call or meeting is free, with no obligation to proceed. It is meant to understand your situation and goals before either side commits to anything further.
Can I meet over video instead of visiting the office?
Yes. Clients across India and NRI families worldwide are served through scheduled video consultations. In-person meetings at our Pallikaranai office are available for clients in and around Chennai who prefer that.
What documents should I bring to the first meeting?
Mutual fund and other investment statements, existing insurance policy details, loan or EMI details, and a rough list of your financial goals. If you have already completed the risk profile questionnaire, bring that too.
Will you restructure my existing portfolio without asking me?
No. We review your existing holdings and explain what we would recommend changing and why, but nothing is executed without your explicit approval.
How often will my portfolio be reviewed after the plan is set up?
We schedule ongoing portfolio reviews at regular intervals after onboarding, and we also review sooner if there is a major change in your income, goals, or the market environment that affects your plan.
What services can I actually get help with?
Mutual funds and SIP investments, portfolio review, goal-based financial planning, retirement planning, tax saving, child education planning, wealth creation and protection, contingency planning, estate planning, and health and life insurance.
Ready to see what a structured financial plan looks like for you?
Book Your Free ConsultationDeepak Gokul, CWM®
Chartered Wealth Manager (CWM®) · NISM-Series-XVII: Retirement Adviser Certified · IRDAI Licensed Insurance Advisor · Founder, Deepak Wealth Framework
Deepak Wealth Framework Pvt Ltd – AMFI Registered Mutual Fund Distributor | ARN-328771
Deepak Gokul specialises in goal-based financial planning, child education planning, SIP investments, mutual fund advisory, and retirement planning for families across the globe. With his Chartered Wealth Manager (CWM®) certification and specialised training in retirement advisory, Deepak helps clients build long-term wealth through structured, disciplined financial planning.
📞 +91 91763 40301 | 🌐 deepakwealth.com | 💼 LinkedIn | ▶ YouTube | 📘 Facebook | 📸 Instagram | ✕ X | ⭐ Google Business Profile
📍 Pallikaranai, Chennai
Dr. Uma Rani, BPT
IRDAI Licensed Insurance Advisor · Co-Founder, Deepak Wealth Framework
IRDAI Licensed Insurance Advisor (Health, General & Life) · NISM-Series-V-A Qualified (Mutual Fund Distributors) · Deepak Wealth Framework Pvt Ltd
Dr. Uma Rani is individually licensed by IRDAI to advise on health, general, and life insurance, and has cleared the NISM-Series-V-A certification for Mutual Fund Distributors. As co-founder of Deepak Wealth Framework, she works alongside Deepak Gokul to help clients build the right insurance safety net alongside their investment and retirement plans.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. This content is for illustrative and educational purposes only. We deal in Regular Plans.