Holistic Financial Planning Assessment Form

Section 1 — Personal Details: Mapping Your Journey to Financial Freedom

This form is an important first step in building a financial plan that’s truly yours. It’s designed to give us a 360° view of your current finances, future goals, and the life you envision. You’ll find sections on your income and expenses, assets and liabilities, insurance, investments, and personal priorities. Completing it in detail will help us uncover opportunities, address risks, and craft a strategy that fits you perfectly. It may take about 30–45 minutes to complete, but that time will be well spent in creating a clear, actionable plan for your financial peace of mind.

Why This Matters: We use dependent information (name, relation, DOB, gender) to model goals like education and marriage and to auto-populate beneficiary fields.

Full Name *

Date of Birth *

Gender *

Mobile Number *

Email Address *

Marital Status *

Number of Dependents *

State / Union Territory *

City *

Citizenship / Residency Status *

Preferred Mode of Communication *

Your Health Status (self) *

Any major health issues in household?

Sole Earning Member? *

Income Tax Regime *

Why this matters: Your tax regime determines which deductions and exemptions apply — this directly affects investment recommendations under 80C, HRA, NPS and other sections.

Holistic Financial Planning Assessment Form

Section 6 — Goals & Priorities

Please list your financial goals below. For each selected goal provide the Target Year, Target Amount (numeric), Amount already saved, Goal Beneficiary, Priority, Funding Preference (one or more), and whether the goal is flexible. Notes are optional. All fields except Notes are mandatory for each selected goal.

Even if your savings are pooled, try assigning them to individual goals for better clarity.

If any part of your current pooled savings is already meant for a goal, select SIP/Regular Savings under that GOAL and note your estimated monthly contribution.

Select goals that apply to you *

Emergency Fund

Home Purchase (Buy a house)

Car Purchase

Children's Higher Education

Children's Marriage

Travel / Vacation

Other (use Add Another Goal to create multiple)

Emergency Fund — Details

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

SIP / Regular Savings Lump Sum Sell asset Other

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.)

Range: 1%–15%

Assumed Annual Inflation Rate (%) *

Pre-filled at 6%. Range: 1%–10%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Emergency Fund

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Home Purchase — Details

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.)

Range: 1%–15%

Assumed Annual Inflation Rate (%) *

Pre-filled at 6%. Range: 1%–10%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Home Purchase

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Car Purchase — Details

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.)

Range: 1%–15%

Assumed Annual Inflation Rate (%) *

Pre-filled at 6%. Range: 1%–10%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Car Purchase

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Children's Higher Education — Details

In case of Multiple Children, use names of all Children under Beneficiary Name and Target amount as Sum for all the Children

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

Education Location *

Assumed Annual Inflation Rate (%) *

India default: 12% | Abroad default: 9% | Range: 1%–15%

Already saved for this goal (₹) — enter current market value below. Nature & expected return help us project growth.

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.) *

Range: 1%–15%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Children's Higher Education

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Children's Marriage — Details

In case of Multiple Children, use names of all Children under Beneficiary Name and Target amount as Sum for all the Children

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.)

Range: 1%–15%

Assumed Annual Inflation Rate (%) *

Pre-filled at 6%. Range: 1%–10%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Children's Marriage

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Travel / Vacation — Details

Target Year *

Target Amount (₹) *

Already saved for this goal (₹) *

Enter current market value.

Goal Beneficiary *

Priority *

Overall Rank (relative to other goals) *

Rank 1 = highest priority. Each rank can be assigned to one goal only.

Funding Preference (select one or more) *

SIP / Regular Savings Lump Sum Loan Other

Nature of Existing Investment

Nature & expected return help us project growth.

Expected Return on Existing Investment (% p.a.)

Range: 1%–15%

Assumed Annual Inflation Rate (%) *

Pre-filled at 6%. Range: 1%–10%

Is this goal flexible in date/amount? *

Notes (optional)

Current Monthly Contributions — Travel / Vacation

Current Monthly Contribution for this Goal (₹) *

Enter amount currently contributing towards this goal. Enter 0 if not contributing.

Type of Investment *

Expected Return on this Contribution (% p.a.) *

Enter the expected annual return for this specific investment.

Holistic Financial Planning Assessment Form

Section 2: Income, Expenses & Cashflow

Please enter your regular monthly income and expenses below. Important: all amounts requested on this page should be provided as monthly amounts. The surplus calculated here represents the amount available for financial planning and allocation.

Why this matters: Monthly inflows and outflows form the basis of your cash-flow statement and help us compute your surplus — the amount available for financial planning, goal funding, and investment allocation.

Income Sources

Include income of all family members (if both husband and wife are working) — enter monthly amounts.

Why this matters: Capturing all income sources (salary, business income, rent, dividends, etc.) gives an accurate picture of cash inflows and helps calculate sustainable savings and tax planning.

Salary (Provide Net Take-Home SALARY)

Business / Profession income

Rental income (net monthly)

Dividends / Interest

Income from Annuity Plans / Pension Plans

Income from other sources

Total Monthly Income (₹)

Income Stability

Why this matters: Understanding whether income is fixed or variable helps us plan your emergency fund and short-term reserves more accurately.

My income is stable and consistent throughout the year My income fluctuates (business, commission, or seasonal income)

NEEDS (Essential Monthly Expenses)

Why this matters: Needs are non-discretionary expenses required to maintain your basic lifestyle. Accurately capturing them shows the minimum cash required each month and helps set realistic saving targets.

Housing EMI (Home Loan EMIs) *

Monthly home loan EMIs or housing finance payments.

Rent *

Monthly rent payments if applicable.

Maintenance, Water & Electricity *

Monthly society maintenance, water and electricity bills.

Communication Bills *

Broadband, internet, telephone, and DTH bills.

Food & Groceries *

Daily groceries and essentials.

Transport & Fuel *

Fuel, public transport, and vehicle maintenance.

Debt Obligations / EMIs *

Covers Car Loan, Personal Loan, Education Loan, Business loans and minimum credit card payments.

Insurance Premiums *

Health, term, vehicle and home insurance premiums. (For annual premiums, divide by 12 and enter monthly equivalent.)

Healthcare *

Medical checkups, medicines and related expenses.

Children's Education *

School/college fees, tuition and related costs.

Basic Clothing & Personal Care *

Essential clothing, footwear, toiletries and hygiene products.

Household Help / Domestic Help *

Monthly maid, cook, driver salaries or domestic service expenses.

Other essential expenses *

Any other mandatory monthly payments not covered above.

WANTS (Discretionary Monthly Expenses)

Why this matters: Wants show discretionary outflows. Tracking these helps identify savings opportunities and re-prioritise spending if needed.

Dining / Entertainment *

Eating out, movies, events and leisure activities.

Subscriptions / Memberships *

Streaming, magazines, memberships and recurring services.

Travel / Holidays (monthly equivalent) *

Domestic and international trips — provide monthly equivalent amount.

Luxury Purchases *

Branded clothing, premium gadgets and discretionary high-value items.

Home Upgrades / Décor *

New furniture, décor, renovations beyond repairs.

Fitness & Wellness / Hobbies *

Gym, classes, hobby-related spends and wellness subscriptions.

Seasonal / Irregular Annual Expenses (Monthly Average) *

Why this matters: These are periodic expenses that don’t occur monthly but must be planned to avoid cashflow shocks. Provide the monthly equivalent (annual amount ÷ 12).

School / College Admission Fees *

Average annual admission or term fees divided by 12.

Festivals / Occasional Gifts *

Average annual festival and gifting expenses divided by 12.

Other irregular expenses *

Any other periodic expenses averaged monthly.

Total Monthly Expenses (₹)

Monthly Surplus — Amount Available for Planning & Allocation (₹)

Surplus = Total Income – Total Expenses. This represents the amount available for financial goals and investment allocation.

Holistic Financial Planning Assessment Form

Section 3: Assets & Liabilities

This section collects the financial elements that form the foundation of your balance sheet — everything you own (assets) and everything you owe (liabilities). We use these inputs to produce a clear Net Worth snapshot.

Assets are grouped into three categories — Liquid Assets, Invested Assets, and Use Assets — so we can separate emergency cash, long-term investments and personal/consumption assets.
Liabilities are captured as Long-term (tenor >12 months) and Short-term (due within 12 months or revolving).
Please enter values in ₹ (INR). If an item does not apply, enter 0. Use the "Add another" button to include items we have not listed.

Why this matters: Accurate asset and liability details let us estimate your financial resilience, liquidity needs and the gap between what you own and what you owe — the foundation for cash-flow planning, risk management and goal-setting.

Assets

Liquid Assets *

(Cash and near-cash items you can access quickly)

Why this matters: Liquid assets are your immediate safety net — funds you can use for emergencies, short-term goals or unexpected expenses. Tracking these helps us compute liquidity ratios and short-term survivability recommendations.

ItemAmount (₹)

Cash on hand

Savings account balance

Current account balance

Liquid mutual funds / Ultra-short

Short-term FD / RD (≤12 months)

Money market / Sweep balance

Gold (for liquidity)

Invested Assets *

(Assets held for returns and long-term wealth creation)

Why this matters: Invested assets show your long-term wealth engine.

ItemAmount (₹)

Equity mutual funds

Debt mutual funds

Direct equity / Shares

PPF / EPF / NPS

Corporate bonds / NCDs

Investment property (rental)

Insurance cash value / endowment

Alternative investments (REIT/PE/Crypto)

Use Assets *

(Personal / consumption assets)

ItemAmount (₹)

Primary residence (self-occupied)

Vehicle (car / bike)

Jewellery (personal use)

Furnishings / Appliances / Collectibles

Liabilities

Long-term Liabilities *

ItemAmount (₹)

Home loan / Mortgage

Loan against property (LAP)

Education loan

Business term loan

Short-term Liabilities *

ItemAmount (₹)

Credit card outstanding

Overdraft / Cash credit

Personal loan (short)

Buy-now-pay-later / EMI payable

Taxes / Statutory dues

Holistic Financial Planning Assessment Form

Section 8: Credit Behavior & Spending Habits

Examine your use of credit, including credit card usage, personal loans, and your approach to managing debt. Also covers spending habits, priorities, and financial knowledge.

Why this matters: Your credit and spending habits impact your financial stability and planning success. Understanding them helps design personalized strategies.

How often do you use a credit card for your expenses? *

Frequency of credit card usage for daily expenses.

How do you typically manage your credit card balance? *

Your approach to paying credit card bills.

How often do you review your credit card statements for accuracy and fraudulent charges? *

Regularity in checking credit card statements.

What is your attitude towards credit card debt? *

How you perceive and tolerate credit card debt.

Besides credit cards, how do you manage other debts such as personal or payday loans? *

How you handle debts other than credit cards.

Which payment methods do you primarily use for day-to-day transactions? *

Shows diversity in your spending payment methods.

How would you rate your overall financial knowledge and comfort with managing personal finances? *

Your self-assessed financial literacy level.

How would you describe your overall spending behavior? *

Your typical spending style and control.

How often do you make purchases that you later regret? *

Frequency of regret after spending.

Do you have a budget or spending plan that you follow regularly? *

Your use of budgeting or spending plans.

How do you prioritize your spending? *

Order in which you cover needs, wants, and savings.

How do you decide on non-essential purchases (e.g., luxury items, entertainment)? *

How you make decisions on discretionary spending.

How often do you exceed your monthly budget or spending plan? *

Frequency of overspending beyond your plan.

When you receive an unexpected windfall (e.g., bonus, gift), how do you usually spend it? *

Your typical choice for extra money handling.

How much do you shop online for non-essential items? *

Frequency of online shopping for non-essential goods.

How do you manage your discretionary spending when your income increases (e.g., a raise, promotion)? *

Your approach to spending extra income.

What is your approximate CIBIL / credit score range? *

Your credit score influences loan eligibility and interest rates for future goals. Choose the range that best fits your profile.

Why this matters: A score below 700 limits access to home and education loans needed for your goals, and typically attracts higher interest rates.

Do you use Buy Now Pay Later (BNPL) services (e.g., Lazypay, ZestMoney, Flipkart Pay Later)? *

BNPL usage patterns reveal short-term credit behaviour and potential hidden liabilities.

Why this matters: BNPL balances are increasingly reported to credit bureaus and can affect your credit score and liability picture.

How do you currently track your monthly expenses? *

Helps Kapil understand how reliable and accurate the expense data provided in this form is likely to be.

Why this matters: The quality of expense data shared in Section 2 depends on how closely you track your spending — this helps Kapil calibrate the accuracy of the plan.

Holistic Financial Planning Assessment Form

Section 5: Risk Profile & Investment Attitude

Answer the following questions to help us understand your risk tolerance, risk capacity, time horizon, and comfort with investments. Your answers will be scored and a recommended risk bucket will be shown.

1. Which statement best describes your attitude toward investment risk? *

Choose the option that best reflects how you naturally approach return potential versus downside risk.

2. If your portfolio declined by 20% over the next 12 months, how would you most likely react? *

This helps assess your emotional response during a market correction.

3. How important is access to your invested funds (liquidity)? *

This reflects how much flexibility you need in case money is required sooner than expected.

4. How much of your total investible assets would you typically place in high-risk investments such as speculative stocks? *

This helps gauge comfort with concentrated or aggressive exposure.

5. How comfortable are you with short-term fluctuations in portfolio value (over months or a few years)? *

This measures your practical tolerance for volatility, not just your preference in theory.

6. What is your primary investment objective? *

Your main goal should guide asset allocation and expected return assumptions.

7. How many years until you expect to use the majority of these investments? *

Longer time horizons usually support higher equity exposure and more short-term volatility.

8. How experienced are you with equity markets and higher-risk instruments? *

Past experience influences how well you may handle market cycles and portfolio changes.

9. If one of your investments underperformed for several quarters, what would you do? *

This shows whether you are likely to react impulsively or follow a disciplined process.

10. How important is diversification to you? *

This helps understand whether you naturally spread risk or concentrate positions.

11. How stable is your income (job or business)? *

Income stability affects your ability to absorb volatility without needing to liquidate investments.

12. Which best describes your reaction to short-term losses relative to long-term goals? *

This reflects whether you can remain disciplined when markets temporarily move against you.

13. If your income were to drop significantly for 6 months, how would that affect your ability to stay invested? *

This measures risk capacity — your financial ability to absorb shocks, separate from your willingness to take risk.

Why this matters: Risk capacity — your financial ability to absorb losses — is just as important as your willingness. A weak emergency fund reduces your effective risk capacity, even if you are comfortable with market volatility.

14. Which of these best describes your primary investment experience so far? *

Many investors have strong familiarity with traditional products. This helps calibrate advice to actual market exposure.

Why this matters: Many investors overestimate their experience based on FD / LIC familiarity. Calibrating this accurately helps set realistic return expectations and build a more suitable portfolio.

When you complete all questions, a risk summary will be shown automatically. You can also click "Review Risk Summary" at any time to view it again.

Holistic Financial Planning Assessment Form

Section 4: Insurance Coverage

A quick check of your protection — this helps us identify gaps and priorities. We'll collect finer policy details during 1:1 sessions only if needed.

Do you have an emergency fund? *

Why this matters: Emergency Funds are a crital part of Financial Planning and protects your Investments during uncertain times.

Personal Health Insurance Cover Amount *

Why this matters: Health cover protects you from unexpected medical bills — low or missing cover is a common cause of financial distress.

Term Life Insurance Cover Amount *

Why this matters: Term cover protects your family's income needs if something happens to you — ensuring adequate cover is critical to avoid financial shortfalls.

Disability / Income Protection — Monthly Benefit Amount *

Why this matters: Disability cover preserves household cashflow if you lose earning capacity — without it, household expenses may quickly become unsustainable.

Critical Illness Cover Amount *

Why this matters: Critical illness cover helps with out-of-pocket costs, long-term care needs, and rehabilitation — important if treatment is prolonged.

Personal Accident Cover Amount *

Why this matters: Accident cover provides lump-sum benefits or income replacement for injuries — complements health cover and income protection.

Home Insurance — Insured Value *

Why this matters: Home insurance protects against damage or loss to your house and belongings — important in disaster-prone areas.

Employer Group Health Insurance Cover Amount *

Select the cover amount provided by your employer's group health policy.

Why this matters: If employer group cover is adequate, a top-up or super top-up plan may be more cost-effective than a standalone individual policy.

Holistic Financial Planning Assessment Form

Section 7: Retirement Planning

This section captures your retirement goals and the current state of savings. Provide approximate answers — Kapil will review and clarify during your one-on-one meeting.

Why this matters: Retirement planning depends on how many years you have left to save, what you've already built up (EPF, PPF, NPS and other savings), and how much you're currently contributing each month. Together these determine the corpus you'll need, whether you're on track, and what adjustments — if any — are required to retire on your terms.

Current age *

At what age do you plan to retire? *

Current Retirement Savings / Investments (Approx) (OTHER THAN EPF, PPF & NPS) *

Expected annual return on current retirement savings (%) *

Current NPS Balance (Approx) *

Expected return on NPS (%) *

Monthly NPS — Deducted from Salary (Pre-Tax) *

Monthly NPS — Self-Contributed (Voluntary) *

Current EPF Balance (Approx) *

Monthly EPF Contribution — Employee + Employer Combined (Approx) *

Current PPF Balance (Approx) *

Monthly PPF Contribution — Self-Directed *

Current Monthly Retirement Contribution (SIPs / Equity Investments) (Approx) *

Expected annual return on monthly contributions (%) *

Desired retirement lifestyle *

Expected Monthly Expense in Retirement (Approx) *

This value is auto-filled based on your current expenses. You may adjust if needed.

Target Retirement Corpus (Approx) *

Where do you plan to retire? *

Do you expect any regular income during retirement? *

Holistic Financial Planning Assessment

Section 9: Family Involvement & Dependents

Describe your household's decision-making and involvement in financial planning.

Why this matters: Understanding family involvement ensures financial strategies align with household decision-making dynamics and estate goals.

Who is the primary decision-maker for financial matters in your household? *

Identify who makes key financial decisions in your family.

How involved is your spouse/partner in the financial planning process? *

Measures the level of spouse or partner participation.

Are your children involved in discussions about financial planning? *

Assesses children's involvement in financial conversations.

How often do you discuss financial goals and plans with your family? *

Frequency of family financial discussions.

To what extent does your family's input influence your financial decisions? *

Shows how much family opinions shape your choices.

If both you and your spouse/partner are earning, how are household expenses shared? *

Explains how expenses are managed in your household.

How do you and your spouse/partner manage savings for family goals (e.g., children's education, vacations)? *

Describes your approach to saving for family objectives.

Section 9B: Elderly Dependents

Examine your responsibility towards your elderly dependents, including financial support, healthcare, living arrangement and caregiving expenses.

Why this matters: Responsibility towards elderly dependents affects financial planning, healthcare budgeting, caregiving arrangements and long-term support strategies.

Do you have any elderly dependents (parents, in-laws, or other relatives) who rely on you for financial support? * Do your elderly dependents live with you? *

Living arrangement affects day-to-day caregiving needs and costs.

Do your elderly dependents have health insurance coverage? * Do your elderly dependents have independent sources of income (pension, rent, investments)? * Are your elderly dependents suffering from any major/chronic ailments requiring ongoing care? * Do you pay for a caregiver / nursing support for your elderly dependents? *

Paid caregiving can be full-time, part-time or occasional support.

How do you plan to cover healthcare expenses for elderly dependents? * Approximate monthly financial impact of supporting elderly dependents * Do you have an emergency plan for unexpected healthcare needs of elderly dependents? *

Holistic Financial Planning Assessment Form

Section 10: Special Topics / Constraints & Estate Planning

A few short questions about estate, legal and special constraints. If you’re unsure, pick Don’t know / Prefer not to say — Kapil will follow up if needed.

Why this matters: A small set of estate & constraint details helps your advisor spot legal, tax or family items that materially affect recommendations and follow-ups.

Do you have a will? *

Why this matters: A will documents your wishes for asset distribution — absence or uncertainty is a high-priority advisor follow-up.

Do you have a Power of Attorney (POA) for financial / medical decisions? *

Why this matters: POA ensures someone trusted can act on your behalf for finances or healthcare, reducing delays during emergencies.

Are beneficiaries / nominees assigned on major accounts (bank/mutual funds/insurance)? *

Why this matters: Nominee gaps can delay settlement; advisors will check account-level nominations during follow up.

Do you have any trusts? *

Why this matters: Trusts affect ownership, taxation and distribution — Kapil may request legal details if trusts exist.

Are there any known estate-level liabilities or pending litigation that could affect inheritance? *

Why this matters: Liabilities or litigation can reduce inheritance — advisor must assess impact if present.

Do you have any foreign assets or foreign tax residency / reporting obligations? *

Why this matters: Cross-border issues can create tax & reporting obligations that change advice and may require a tax specialist.

Are there any special constraints or instructions (e.g., dependent with special needs, guardianship, legal restrictions)? *

Why this matters: Special constraints/needs change recommended solutions (trusts, guardianship, targeted reserves) and should be reviewed by Kapil.

Have you previously received professional estate planning advice? *

Why this matters: Advisors will coordinate with existing counsel where relevant and avoid duplicate work.

Do you have a business succession or continuity plan in place? *

For business owners and self-employed professionals, succession planning is a critical element of estate and financial planning.

Why this matters: Without a succession plan, a business can rapidly lose value on the owner's death or incapacitation — affecting family finances significantly.

Holistic Financial Planning Assessment Form

Section 11: Feedback, Consent & Engagement Summary

Before you submit — quickly review the information you have shared across all sections.

We value your feedback—it helps us make this process smoother and ensures we understand your financial goals and priorities more effectively

Why this matters: Your feedback helps us continuously improve this process, enabling us to deliver more relevant and well-structured financial guidance.

Clarity & ease of understanding * Comprehensiveness of the questions * How likely are you to recommend this process to someone else? *

(Ratings are recorded and used internally by Kapil for improvement; they are not displayed to you here.)

Which sections were particularly helpful? (Select at least one) * Any confusing or unnecessary sections/questions? (optional) Were any important topics missing? (optional) Consents

Holistic Financial Planning Assessment Form

Section 1 — Personal Details: Mapping Your Journey to Financial Freedom

Holistic Financial Planning Assessment Form

Section 6 — Goals & Priorities

Current Monthly Contributions — Emergency Fund

Current Monthly Contributions — Home Purchase

Current Monthly Contributions — Car Purchase

Current Monthly Contributions — Children's Higher Education

Current Monthly Contributions — Children's Marriage

Current Monthly Contributions — Travel / Vacation

Current Monthly Contributions — This Goal

Holistic Financial Planning Assessment Form

Section 2: Income, Expenses & Cashflow

Income Sources

Income Stability

NEEDS (Essential Monthly Expenses)

WANTS (Discretionary Monthly Expenses)

Seasonal / Irregular Annual Expenses (Monthly Average) *

Holistic Financial Planning Assessment Form

Section 3: Assets & Liabilities

Assets

Liabilities

Holistic Financial Planning Assessment Form

Section 8: Credit Behavior & Spending Habits

Holistic Financial Planning Assessment Form

Section 5: Risk Profile & Investment Attitude

Holistic Financial Planning Assessment Form

Section 4: Insurance Coverage

Holistic Financial Planning Assessment Form

Section 7: Retirement Planning

Holistic Financial Planning Assessment

Section 9: Family Involvement & Dependents

Section 9B: Elderly Dependents

Holistic Financial Planning Assessment Form

Section 10: Special Topics / Constraints & Estate Planning

Holistic Financial Planning Assessment Form

Section 11: Feedback, Consent & Engagement Summary

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Review your answers

Holistic Financial Planning Assessment Form

Section 1 — Personal Details: Mapping Your Journey to Financial Freedom

Holistic Financial Planning Assessment Form

Section 6 — Goals & Priorities

Current Monthly Contributions — This Goal

Holistic Financial Planning Assessment Form

Section 2: Income, Expenses & Cashflow

Income Sources

Income Stability

NEEDS (Essential Monthly Expenses)

WANTS (Discretionary Monthly Expenses)

Seasonal / Irregular Annual Expenses (Monthly Average) *

Holistic Financial Planning Assessment Form

Section 3: Assets & Liabilities

Assets

Liabilities

Holistic Financial Planning Assessment Form

Section 8: Credit Behavior & Spending Habits

Holistic Financial Planning Assessment Form

Section 5: Risk Profile & Investment Attitude

Holistic Financial Planning Assessment Form

Section 4: Insurance Coverage

Insurance Coverage Summary

Holistic Financial Planning Assessment Form

Section 7: Retirement Planning

Holistic Financial Planning Assessment

Section 9: Family Involvement & Dependents

Section 9B: Elderly Dependents

Holistic Financial Planning Assessment Form

Section 10: Special Topics / Constraints & Estate Planning

Holistic Financial Planning Assessment Form

Section 11: Feedback, Consent & Engagement Summary

Form submitted successfully