NRI – Life Planning Story

Getting rid of ‘N’ from NRI

(From living as a solo to living with family in India)

I was extremely energized & why not? Today, I was a special guest in Konkan, one of my most favourite regions! Standing as hosts were a much adorable couple Ramesh & Suchitra from Ethiopia. They got to know about our Financial Life Planning movement online. I responded to their mail within 48 hours they booked an exploration session.

Suchitra was a proud house-wife & Ramesh was an agriculturist from a very humble background in Konkan. He was working in Ethiopia and earning very well. Almost 12 years ago, he moved to Ethiopia with his wife & kids. But soon they realized that the decision was not in the best of the interest for
many, particularly for a better future of their kids & social life.
Soon, Suchitra moved back to India with the kids.

Ramesh was left with no choice but to live as a solo in capacity as a provider for almost 5-6 years. On financial front, he scored a perfect TEN but on personal & social front, he had a dismal score. Other than the overseas distance, they were a ‘perfect family’.
Ramesh had a great affection to work in soil.

A skill that fetched him a job & fortune but snatched from him that immense pleasure of staying with his family! Besides, the grassroots of his soul belonged here, to Indian soil, particularly at Konkan.
Off late, Suchitra was also getting more & more concerned about the physical absence of Ramesh, particularly for her kids’ sake. Should Ramesh get back to India, would we be able to survive equally well? Should he stay overseas, could their family life really excel? They were stuck in a dead-lock.

In the exploration session, they found the space to contemplate & converse. Very soon, they opened up about their preferences in life which mattered the most. He always cherished to live with the family.
Every passing summer, Ramesh thought of working for only 6 to 7 more years as a provider. But could not decide on how much would be enough?
After analysing their financial data, I told them that getting back to India was an easily achievable task.
If planned well, it could be achieved within 12 months. As if electrified, Ramesh got up from his chair in an utter disbelief. Once I started building their TORCH, they both were on fire. We worked on their finances as the investments were in a big mess. They had invested in quite a haphazard manner without any structured thought or plan. We simplified, consolidated & organised everything, right from insurances to funds.

A special instrument namely “settlement fund” was created to accommodate for their future cash flow. They had some investment in an apartment which was vacant. We initiated a renovation plan & put it on rent. I was awed by the vigour with which both of them worked over their target.

But I forgot to tell you the most important thing – I met Ramesh & Suhitra exactly 8 months ago..

Curious to know more  click here now

About Our Firm

Niraj is certified financial Planner and Registered Life Planner who is providing professional services from last more than 10 years.


Exploration Session

Wishing to do something you love is Easy. Dreaming to Achieve your Life Goals is Easy. Wishing and Dreaming are easy for most of the people but achieving it is hard.


EVOKE® Process

Money is just not a NUMBER!!! It is a powerful force affecting all aspects of our Life. Therefore we believe that it is important that we approach Money issues comprehensively and holistically.



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  • It was great way to get perspective on achieving Life Goals through the Financial Planning. I went to Niraj for only financial planning but was surprised when I came out to get clear understanding of the Life planning goals itself! Very much pleased with the services as I could manage my life goals along with Financial planning. Would recommend others also to experience this!
    Kaustubh Mulay
  • I have been getting advice about financial planning from Niraj for almost a decade . He is very good listener and very skilful to dig out your needs of Life planning. He explains all the nitigrities and need of the subject of financial planning . Every busy and lazy and laymen or so called knowledgeable person must get advice from Mr. Niraj Nanal.
    Jayant Gurav
  • Financial planning is an important aspect of our lives that we scarcely put any focus on. Most people simply go with the flow, or go down an ill-advised route based on advice received from elders in the family. Since coming into contact with Niraj we have been able to focus on the issues/problems that require attention and have been able to make best use of our resources in building for the future as well as living life to the fullest as we go. Also inculcates a culture of financial discipline.
    Renju Abraham