Shirsh Kyal | ARN - 117622 | QPFP | MFD
Managing 460+ Families | Pan India 🇮🇳 & NRIs
Founder @moneypliers (2016)
Book 1-on-1 Money Session (90 min)👇

Shirsh Kyal | Personal Finance Coach

Moneypliers

Shirsh Kyal - Founder | Finance Coach | Entrepreneur

​🧭 45-Evaluation &amp; Recommendation Session​<h2>What We Will Cover</h2>1️⃣ Mutual Fund Review &amp; Allocation Evaluation of existing funds, identification of gaps, and goal-based fresh allocation aligned with your risk profile and time horizon.2️⃣ Life Insurance Review Assessment of existing policies, adequacy check, and protection gap analysis.3️⃣ Health Insurance Evaluation Review of current coverage and recommendations for optimisation or new coverage if required. What More:<ul><li>Discuss any goals missed in the previous session</li></ul><ul><li>Reassess newly identified priorities</li><li>Clarify pending doubts</li><li>Realign strategy based on updated income, expenses, or life changes</li><li>Recommendation for optimisation or new coverage if required</li></ul> <h1>📄 Post-Session Deliverables</h1>Within 2–4 working days, you will receive:1️⃣ Session Summary PDF – Structured recap with recommendations 2️⃣ Mutual Fund Action Plan – Evaluation of existing + fresh recommended allocation 3️⃣ Insurance Assessment Report – Life &amp; Health evaluation with suggested corrections (if needed) 4️⃣ Access to Your Financial Dashboard (Mobile App)

Evaluation & Recommendation Session

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<h1>📊 90-Minute Complete Money Blueprint Session</h1>Just wanted to give you full transparency before we move forward together.I am a registered MFD (Mutual Fund Distributor) and I deal in Regular Plans. My earnings come from a commission of approximately 0.70% per year on the total invested amount — for example, on 1 Lakh invested, I earn around INR.700 annually. This is a standard regulatory structure and is fully disclosed.The session fee is simply to filter out serious clients — it has nothing to do with my earnings. Once you're onboarded and investing through us, you get two portfolio review meetings per year along with support across all your financial needs.My focus is not on recommending the most schemes — it's on making sure your financial plan stays on track for the next 20 years and beyond. WHAT WE COVER<hr>💸 Expenses &amp; Cash Flow<ul><li>We write down every monthly expense — groceries, rent, school fees, subscriptions, everything</li><li>We track where your salary actually goes after it hits your account</li><li>Most people discover they're spending more than they realise — we fix that first</li></ul><hr>📈 Investments Review<ul><li>We look at everything you've invested — SIPs, FDs, PPF, stocks, whatever you have</li><li>We check if each investment has a purpose or if money is just sitting without direction</li><li>We tell you honestly if something is underperforming or if you're missing a better option</li></ul><hr>🛡️ Insurance Audit<ul><li>We check if your family is protected enough in case something happens to you</li><li>We review your health cover — is it enough for today's hospital costs?</li><li>We flag policies where you're paying high premiums but getting poor returns</li></ul><hr>🏦 Loans &amp; EMIs<ul><li>We list all your loans — home, car, personal, credit card — in one place</li><li>We check how much of your income is going towards EMIs every month</li><li>We plan the smartest order to close them and save on interest</li></ul><hr>🎯 Your Goals — With Real Numbers<ul><li>Children's education &amp; marriage, house purchase, car, retirement, vacations — we take each goal seriously</li><li>We calculate exactly how much each goal will cost in the future accounting for inflation</li><li>We tell you how much you need to invest today to be ready on time — no guessing</li></ul>🔄 Cash Flow Mapping​<ul><li>We create a clear picture of money coming in and money going out every month</li><li>Every expense, EMI, premium and investment gets a proper place on paper</li><li>Nothing is hidden, nothing is forgotten — full visibility in one place</li></ul><hr>📦 Net Worth Calculation<ul><li>We add up everything you own — MFs, stocks, EPF, PPF, FDs, property, insurance value</li><li>We subtract everything you owe — all loans and liabilities</li><li>What's left is your real net worth — your actual financial position today</li></ul><hr>⚖️ Asset Allocation Review<ul><li>We check how your money is spread across FDs, equity, gold, real estate etc.</li><li>We tell you if you're too safe (losing to inflation) or too risky (no stability)</li><li>We align your allocation with your age, goals and timeline</li></ul> By the end of the session, you won’t walk away with opinions — you’ll walk away with numbers.✔ Your current net worth position ✔ Your actual savings capacity ✔ Where your money is leaking ✔ Whether your goals are realistically achievable ✔ What needs correction before it becomes expensiveThis is clarity. Not product pushing.If you’re serious about structuring your money properly — this session will be worth it. Documents / Details to Keep Ready for the 90-Minute Money Session<ol><li>Salary Slips – EPF Contribution, Taxes, In Hand Salary, NPS, Insurance</li><li>Mutual Fund &amp; SIP Statements &amp; Stocks Holdings</li><li>FD, PPF, EPF, NPS Details</li><li>Insurance Policies – Life, Health, Term, ULIP, etc.</li><li>Loan Details – Home loan, car loan, personal loan, credit card dues.</li></ol>

📊 90-Minute Complete Money Blueprint Session

📑 Financial Execution &amp; Strategy SessionJust wanted to give you full transparency before we move forward together.I am a registered MFD (Mutual Fund Distributor) and I deal in Regular Plans. My earnings come from a commission of approximately 0.70% per year on the total invested amount — for example, on 1 Cr invested, I earn around 70K annually. This is a standard regulatory structure and is fully disclosed.The session fee is simply to filter out serious clients — it has nothing to do with my earnings. Once you're onboarded and investing through us, you get two portfolio review meetings per year along with support across all your financial needs.My focus is not on recommending the most schemes — it's on making sure your financial plan stays on track for the next 20 years and beyond. The first session gave you clarity.You saw your numbers. You understood where you stand.Now comes the part that actually changes things — execution.This follow-up session is where we stop looking at the problem and start solving it. Together, we turn your financial blueprint into a real action plan that you can follow from day one.<hr>WHAT HAPPENS IN THIS SESSION<ul><li>We present your complete, structured financial report — built from your own data</li><li>We walk you through your full financial blueprint, section by section</li><li>We align every goal you have with a practical, step-by-step execution roadmap</li><li>We recommend mutual fund strategies suited to your goals and risk profile</li><li>We finalise your insurance structure — life cover, health cover, what's enough, what's missing</li><li>We lock in your asset allocation — where your money should sit and why</li><li>We answer every pending finance question you've been sitting on</li></ul><hr>This session follows one simple path:Clarity → Strategy → ExecutionNo jumping around. No random advice. Everything builds on what we already know about your finances.<hr>BY THE END OF THIS SESSION, YOU WILL HAVE✔ Your final structured financial report — ready to keep and refer back to✔ A clear investment direction aligned to your actual goals✔ Full clarity on your insurance structure✔ An execution roadmap — what to do first, what comes next, in what order✔ The confidence to move forward without second-guessing yourselfThis isn't generic advice pulled from the internet. This is structured implementation guidance built entirely around your own financial data.<hr>AND THAT'S NOT ALLAfter this session, you won't be left to figure things out alone.You'll get a dedicated Relationship Manager — a real person you can call or text whenever a financial question comes up. Whether it's about a new investment, a policy renewal, an EMI decision, or just a doubt you can't shake — we're there.We won't always have an instant answer, but we'll always work to get you the right one.<hr>Because good financial planning doesn't end with a session. It stays with you.