Most people know what to do with money. but Few have a plan to actually do it.
We started Planwise because financial advice in India was mostly product-driven, not people-driven. We flipped that. Our job is to counsel, educate, and build a plan that actually fits your life — not sell you a policy.
The Planwise Approach
We don't manage money.
We change how you think about it.
When a new client walks in, the first thing we do is listen. Not pitch. We want to understand your life before we look at your money — because every rupee you earn or spend is tied to something you care about.
Then we educate. We explain exactly what's working, what isn't, and why. Our clients never sign anything they don't fully understand.
Our Mission
Financial freedom through honest, structured planning.
Core Foundations
The three pillars of financial control.
Unbiased financial advising is more than choosing investments. It is about restructuring the way you interact with your money, starting with budgeting and long-term stability.
Long-term Financial Needs
Every person functions to achieve specific financial goals in life. Owning a home, purchasing a car, securing competitive education for children, and planning for marriage are common, inevitable responsibilities. To fulfill these milestones across specific timelines without stress, you need an effective, structured plan.
Effective Fund Management
Few people manage their monthly budget effectively, yet it is the key to strengthening and stabilizing your savings. All it requires is prioritizing saving before spending. This fulfills current obligations, cushions emergency ad-hoc situations, and puts you in a mindful, guilt-free spending position.
Financial Stability
An investment—be it a property or a vehicle—should be an asset that increases your net worth or standard of living. Often, people get burdened with EMIs, turning assets into heavy liabilities. A logical, planned approach to asset building ensures optimum resource utilization and minimal exposure to debt.
Our Practice
Six services. Covered in two sessions.
When we meet our clients, we go for structured counselling. People often relate Financial Planning to Investments, but the fact is that Investment is the last part of any financial plan. Many times, you can save a lot of money without investing any money at all, simply by understanding basic financial principles.
In our first session, we financially educate you to ensure you understand every aspect of your finances. In the second session, we do your budgeting and implement targeted strategies. In a structured manner, we cover all the following core aspects of an individual's financial ecosystem:
Financial Planning
Financial planning is the process of meeting individual life goals through the proper management of one's finances. Life goals can be short-term (like creating an emergency fund or purchasing a car) or long-term (like financing children's higher education or planning for retirement). We provide comprehensive financial planning services to map out these responsibilities across specific timelines.
Includes
- Short & Long Term Goals Mapping
- Comprehensive Cash Flow Management
- Emergency Fund Planning
- Standard of Living Upgrades
Financial planning is the process of meeting individual life goals through the proper management of one's finances. Life goals can be short-term (like creating an emergency fund or purchasing a car) or long-term (like financing children's higher education or planning for retirement). We provide comprehensive financial planning services to map out these responsibilities across specific timelines.
Includes
- Short & Long Term Goals Mapping
- Comprehensive Cash Flow Management
- Emergency Fund Planning
- Standard of Living Upgrades
Insurance is a critical and most important part of any financial plan. A simple visualization of one's family without them brings the importance of insurance cover. Protection of all valuable assets and health is critical. We build safety nets around your life, health, liabilities, and disabilities.
Includes
- Life Insurance Adequacy Analysis
- Health and Disability Insurance Cover
- Asset & Liability Protection Plans
- Risk Mitigation Advisory
Rather than a compulsion, retirement should be a matter of choice. But the critical question is: 'Will you be able to maintain the desired standard of living after retirement for the rest of your life?' Considering life expectancy, lifestyle longevity, and inflation, we use a conservative and conventional approach to structure your retirement corpus.
Includes
- Longevity & Life Expectancy Cost Modeling
- Inflation-Adjusted Corpus Estimation
- Regular Post-Retirement Income Streams
- Conservative Wealth Preservation
Saving tax in a legitimate way is everyone's right. However, sometimes it is better to pay taxes to secure higher benefits in the long run. Supported by designated tax professionals and CAs, we take care of all tax-related filings, structures, and optimization opportunities in your best interest.
Includes
- Legitimate Tax Deduction Analysis
- CA-Backed Audit and Advisory
- Long-Term Capital Gain Optimization
- Corporate & Personal Tax Planning
Estate planning is the process by which one arranges the transfer of assets in anticipation of death or incapacitation. With the help of various legal tools (Wills, Trusts, Power of Attorney, Gift deeds), we carry out the transfer process so that the intended beneficiaries benefit with minimal dispute.
Includes
- Will Drafting & Structuring
- Family Trust Creation & Management
- Power of Attorney & Gift Deeds
- Asset Transfer Friction Reduction
Investment is the final, most execution-heavy aspect of financial planning. We practice a conservative but impactful investment strategy. We build diversified portfolios using mutual funds, stocks, bonds, and other high-quality instruments. We conduct periodic, rigorous reviews to evaluate performance and adjust dynamically.
Includes
- Conservative & Impactful Asset Allocation
- Mutual Funds, Equity & Bonds Structuring
- Periodic Portfolio Performance Reviews
- Rebalancing & New Opportunity Advisory
How We Work
Five steps.
Zero shortcuts.
Financial planning done properly takes time and honesty. We don't rush it. Each step builds on the last — because a plan that isn't understood isn't followed.
“Investment is the last thing we talk about. Everything else comes first.”
We meet. Really.
The first session is a proper conversation — about your life, your worries, your ambitions. Not a form-filling exercise. We want to understand the person behind the numbers.
We audit your financial reality.
Income, spending, insurance gaps, tax exposure, liabilities, existing investments — we audit everything and show you a clear, honest picture of where you stand today.
We build a plan — just for you.
No template. No copy-paste. A custom, written financial plan covering protection, savings, investment, and estate planning — connected into one coherent strategy.
We implement it together.
We don't hand you a document and disappear. We walk through every instrument, every decision — then execute it with you, on your timeline.
We stay. And review.
Life changes. Your plan must too. Regular reviews ensure your strategy evolves with you — not against you. We're here for the long game.
From our clients
Words from people who've been through it.
I have been a client of Planwise for the past year and would highly recommend their services. Previously, I did not have clarity on my financial situation nor any long-term plan with regards to my retirement. But after one year of services from Planwise, I have a much better sense of savings, as well as clarity on my Financial Goals & Retirement Plan.
Pramod R Ingle
General Managers - ITS, Mahindra Sanyo Special Steel Pvt. Ltd.
The best part about Planwise Financial Planners is that they not only design a portfolio, but they also give us targets for savings and follow up with us on them. Automatically, the motto of our life changes to: Income - Savings = Expenditure.
Tushar Tendulkar
Practising Company Secretary, Pune
There was a time when I was worried about financial planning and looking for someone to take care of it. One fine day, I met Shrikant, a financial consultant from Planwise Consultants And Wealth Managers. They know what they are doing. They did not just manage my finances, but they made sure that I understood everything. They made me independent instead of relying on someone else for my finances, and that is what makes them trustworthy advisors. I thank the Planwise team for taking care of everything.
Binay Kumar
Country Sales Head, Cloudaction Technology Services Pvt Ltd
Shrikant is a great professional and has helped me relook at my finances from a completely new perspective. He goes that extra mile to help, which makes him stand apart. He is not trying to sell you anything like most of the other professional firms might do. That's a USP, I would say. He is more keen on building a long-term relationship. In a nutshell, a great guy to work with. Keep up the good work!
Saumajit Bandopadhyay
Passion, knowledge, and a genuine interest in achieving the best for clients is what makes a truly professional Financial Advisor. We would like to express our thanks for the work he has done for us. His dedication to clients, business excellence, and education sets him apart, and I would highly recommend Mr. Shrikant Mukte to anyone wanting to achieve better financial outcomes.
Mohit Arya
Apsara Kitchenware
I came across Shrikant last week and he simply changed my vision towards the future. His passion and knowledge in his field are awesome, and I am impressed by his attitude and concern towards his clients. I highly recommend him to anyone wanting to achieve better financial outcomes. Thank you very much, Shrikant, for being with us.
Pankaj Vaidya
SNV Solutions
Planwise Consultant & Wealth Managers
Plan Smart. Live Long.
Grow Wiser.
Get in Touch
First conversation
is always free.
We don't do pressure calls. Fill the form, tell us a little about where you are financially, and we'll schedule a 30-minute session at your convenience.
Prefer to reach out directly?
Call Shrikant Mukte
+91 93702 34923
hello@planwise.co.in
+91 77983 34488