SEBI registered Investment advisor (RIA) with Registration number – INA 000000342.

I came to know about Mr. Melvin through the face book group ASAN ideas for wealth. And till date I found him reliable than other advisers who got connected via some references. I had started DIY investing couple of years back, but soon realized that there is too much noise in the information available on blogs and the internet. I had started my investments with the knowledge I gained from some of the blogs, but I was always unsure if I was making the right investment decisions. After few conversations about my goals, existing assets and future plans, Melvin drew up an easy to understand plan. He also periodically checks that I am on the right track with my plan. He has helped me in putting my investments in right track. He is always available for any doubts and he does his job with passion. I have already personally recommended Melvin to several people, and would be happy to recommend him to anyone who would like an effective fee-only financial advisor

Sijo Jose

I started on my financial planning journey a little later than I should have. So when I looked around for professional help, I came across many firms who offer financial planning services. Most of them had a mutual fund distribution business or were trying to push for their demat/trading platform, not to mention that they were charging a bomb. During the process of this discovery, I became quite clear that I would actually be looking for a fee-only advisor in order to get an unbiased view without any conflict of interest.

When I approached Melvin, the ease with which he spoke to me clarified a lot of my concerns in the first call itself. I decided to go with Melvin's service. The best part of the engagement was there was actually no need to meet face to face. Everything be it data collection, goal definition,review of existing investments, review of final plan etc. happened over call and email. The entire process was extremely comfortable.

Even after the final plan was given to me, Melvin takes the extra effort from time to time to check about the progress in terms of implementation. Other than this, even for my minor queries, I keep bothering Melvin from time to time and he has responded each single time without fail.

In today's time, when finding advice without any kind of conflict of interest or bias is next to impossible, Melvin is my go to guy when it comes to financial advice

Satyajit, Mumbai

Being a D.I.Y investor for several years, I always hesitated to approach any financial advisor.

However, during this year's annual portfolio re-balancing activity, I decided to take professional feedback and started looking for SEBI registered fee-only Financial Advisors.

 

I found Mr. Melvin’s details in freefincal.com and after comparing with several others, I decided to contact him.

 

The whole process of financial planning and portfolio review was handled in a very professional way.

It started with understanding my financial goals followed by an in-depth analysis of insurance needs to secure my family's future.

During our multiple rounds of discussions, important gaps were identified in existing insurance cover and also in one particular financial goal.

 

Once the corrective measures were understood, the focus then shifted to reviewing existing mutual fund portfolio. While retaining good funds, he re-aligned the portfolio by replacing few funds. His extensive knowledge of products paired with an impartial advice has helped me in creating a holistic portfolio.

 

I can say with complete confidence that approaching him proved to be very beneficial.

 

Pavan, Bangalore

From Freefincal.com, I found Mr. Melvin’s details as fee only financial advisor. Before approaching him I checked his profile and other financial advisor profile in web. After comparing with other finally I selected Mr. Melvin as my financial advisor.  I started my mutual fund investment in the year 2009 as SIP in 3 funds but I am not able to make profit on that investment due to wrong selection of fund and I stopped in the year 2013. Again I started investment in mutual fund in the year 2015 as SIP in regular mode. I invested through BANK and private Mutual fund Advisor.

After reviewing my current SIP and my other investment he recommended few good funds for SIP. He advised me that I have to invest his recommended fund via direct mode (I can directly buy MF in MF company web site) and he educated me on the difference between regular and direct mode of investment and how it will affect on our return in the long term. He asked me to stop earlier mutual fund SIP (regular option). Now I stopped my entire regular mode SIP and I started investing in his recommended fund under direct plan.

Good Personnel financial advisor is required for our financial health. Since I am working abroad I do not have much time to look for investment option. He provided me good advice.   I saved lot of money by investing in mutual fund and insurance policy for protecting family. Mr. Melvin has not sold any Mutual fund and insurance policy to me. He will give advice in such a way that it will benefited to me, not any MF company or insurance company. So I recommend him for Everyone who need finical advice .I have recommended him for my family members and my friends. Comparing to other advisers, his fee is very low.

Ranjan, Saudi Arabia

I would like to mention that I have been extremely satisfied with the Financial Planning services Melvin has provided in last 6 months.

Melvins  advice is impartial and unbiased for any financial products as he doesnt have any  tie up with Insurance/Investment Products.

The action plan that was provided after initial  data analysis and goals discussion  was  excellent plan  as it was not only short & precise but also gave a crystal clear roadmap on the immediate next steps.The entire experience has been very fulfilling and we look forward working with Melvin  towards implementing financial plan in coming years.

I was mainly attracted towards selecting Melvin as my financial planner because

1. Being both of us working,we dint  have the time to personally focus to  track/rebalance investments made earlier.
2. High level of knowledge which Melvin  possesses on various financial products to  diversify portfolio and suit individual requirements.
3. Planner who doesn't have any distribution tie ups with Financial Products selling companies & hence doesn't have vested Interests.
4. Melvin  is one of the very few Sebi Registered  Fee-only-financial-planners in India

Overall, we are very  impressed with services provided by Melvin  and would wholeheartedly recommend them.

Ramakrishna, Singapore

Although I was earning good and doing some investments on my own, I was not very familiar with inflation, portfolio diversification and retirement/health insurance needs and plans. 

 

I came to know about Melvin's professional service through one of my contacts late last year and I called him from overseas for a quick discussion. I was immediately impressed with his professional and friendly approach and engaged him for my financial planning/advisory service. 

 

Melvin's review of my portfolio and further advises were an eye opener for me and it has helped me to understand my real needs and diversify my portfolio accordingly. In addition he was very helpful and patient whenever I called him with questions related to financial products, investments and basic taxation. With Melvin's professional service and friendly advises, now I feel more confident and comfortable in achieving my financial freedom quicker and in a more structured way. 

 

Thank you, Melvin. I strongly believe that more and more people will use your service and benefit.

 

K K , Singapore

I have used the financial planning services from Melvin, and it has helped me to set proper financial goals and set the right approach to achieve the goals.

I like his honest and professional approach.

I would definitely recommend him for his financial planning services or advice related to financial planning.

VMV, Kuwait

I would like to state that since the time of taking you as my financial consultant, an element of discipline has come into my investments. Firstly, there is clarity on goals to be achieved and secondly clarity on where to invest. I am happy to have you as my Financial Consultant for continued guidance on pitfalls of investments, risks and returns.  Many thanks,

Sheel Yadav, New Delhi

I used the services of Melvin Joseph to review my portfolio for the selection of stable and consistent performing fund, desired equity and debt distribution and tax efficiency. He has good knowledge about the prevailing funds as well as their past performance based on which he recommended desired changes.

 

Melwin was particularly very helpful in assessing the financial risk and helped me buy a cost effective and well suited health insurance product for me. He influenced me to change my mind to opt for health insurance and it was rightly done so keeping my current state in mind.

 

The best part about Melwin is that he has no vested interest to sell any particular product to gain brokerage or commission. The only goal is client interests depending on his goal and financial state.

SRK. Bengaluru

I had started DIY investing couple of years back, but soon realized that there is too much noise in the information available on blogs and the internet. Attending a few DIY investing workshops was useful, but I was always unsure if I was making the right investment decisions. One day I called up Melvin. A quick conversation with him gave me enough trust to start working with him. After exchanging a few conversations about my goals, existing assets and future plans, Melvin drew up an easy to understand plan. He had an unbiased review of which of my DIY work was okay, which needed transitioning to a better plan, recommended what actions to take and also explained why he thought so. He also periodically checked that I was on the right track with following his recommendations. I have already personally recommended Melvin to several people, and would be happy to recommend him to anyone who would like an effective fee-only financial advisor.

Alok, Mumbai

I have started my investments around 2014. Honestly, I had  no interest at that time in personal finance, equity etc., I got shock of my life when I reviewed 10+ work anniversary. So I decided to get serious about it and started educating myself. I started my investments in parallel.

After 3 years of do-it-myself journey, I noticed few things

  1. There is always lot more to learn that I could possibly learn.
  2. Though I got interested in the complexity of investments, returns and markets in general as a result of my self education, I found that  they are not translating to useful investments actions.
  3. I am interested in many other things too and there is an opportunity cost.
  4. I found increasing difficult to make decisions with too much information. Kind of analysis paralysis.

 

After lot of deliberations I decided to use the help of a financial planner. Then I spent another 6 months on learning how to choose one. Main criteria were

  1. Fee only & simple straight forward adviser(unlike wealth management etc.,)
  2. Reliable references from trusted sources
  3. SEBI registered advisor
  4. Experience and having good number of clients
  5. Same city

 

Finally I decided on Finvin(even though I am not residing on the same city). I just gave him all the information and my past investments and he took it from there. He asked questions that forced me to think through the goals. Because of Finvin services, I could accelerate my investments/insurance decisions, which otherwise would have taken an year or two, considering my DIY speed. Now I am kind of relaxed and focusing on other interests. I am still learning personal finance, but that is out of my learning impulse.

 

I have recommended Finvin to others and I think I will recommend in future too 🙂

Madhu prasanna, Bangalore

I work for the IT sector, mostly busy with work related travel. Recently I realized that even after working for 15 years with decent salary, there is no much increase in my assets. I realized that I should get professional help. My friend advised me to approach a SEBI registered investment Adviser. I landed up with Melvin, a SEBI registered investment adviser in Navi Mumbai. After a brief discussion with Melvin, I got a clear idea about the financial mess that I have accumulated over the last 10 years, as per the recommendation of many friendly advisers and bankers! Anyway I am happy that I have another 20 years to plan for my future financial goals. With the financial plan, I got from Melvin, I am sure of reaching the goals. I thank Melvin and recommend his services to all. What is the use of earning money, if we cannot reach our financial goals. Do not go for the free advice or go to banks for investments. There are all parasites.

Ashish Mehra, Navi Mumbai

Being an NRI, my financial journey was in a mess.Whenever I visit India, my personal banker in the bank, used to recommend many schemes. I invested in many useless schemes and thought that these are good. My friend recommended me to go for a financial planning. Through Google search, I found out many planners, but most of them were again trying to sell some non sense products to me. Their fees also was very high for NRIs. Then I reached finvin site and was impressed with the way they charge and what they offer. Being an NRI, I was skeptical about doing financial planning online. But, after a chat with Mr. Melvin and after couple of email exchanges, he understood my position well. We chatted on skype and phone.Within a week, now I am happy to have a neutral recommendation on all my investments and insurance. He has given me a roadmap on how to plan ahead. Had I do this, 5 years back, I would have saved lot of money. Better late than never. long live finvin. It is really useful for NRIs like me.

Narendra, Dubai

I was following the articles of Melvin for more than a year in his website. What impressed me is the simplicity and clarity of financial concepts in his articles. I used to read many other articles on finance, but most of them are with high sounding technical words, which is of no meaning to me. Another point I noticed from last year is that very few people are recommending direct plan in mutual funds. I was following his blog in Face book too. I also got an excellent feedback about Melvin and his services from one of my senior colleague in Chennai who is his client for 2 years. I thank Melvin for his simple financial plan. He recommended an online term plan, a health cover in addition to my company Medi claim, PPF and 4-5 mutual funds covering equity & Debt. His response is fast and I feel like getting a personal touch. He is an Investment adviser registered with SEBI also. I strongly recommend his services for others, to simplify their financial life without compromising present day life

Meiselvan Marimuthu, Chennai

Melvin belongs to the rare breed of financial advisors who are fee-only advisors. That basically means that their objective is to align one’s investment based on the need not based on commission from investments that the advisor receives. He was recommended to me by one of the most trustworthy acquaintances. I was surprisingly pleased with the detail orientation that Melvin brought to the table and asked me probing questions to understand my assets, liabilities and goals. He gave me very good no-nonsense advise and now solely responsible to get my financial health back on track. In addition, he is always willing to clarify my doubts and gives me a very balanced view of what needs to be done and what not. Highly recommended and very well respected in the field, Melvin is an advisor who is worth every penny you spend on him and more.

Butun Mohapatra, Bangalore

I started thinking about financial freedom for my family around 2 years back. I took some endowment policy for me & wife and children policy for Kids. I was feeling happy with my decision. while I was browsing, I came across the site Finvin. in and subscribed to their newsletters. As I read more and more articles by Melvin, I realized that I was not going to reach any of my goals, as per my original wisdom. At that stage, I availed the financial planning services from Melvin. His approach was holistic which covers all aspects of the financial life. His approach will ensure that you reach your goals even in your absence and that too with the minimum outgo. He made my financial life simple! I took sufficient term cover for my family and is moving towards children’s education and retirement goal. He helped me to go for increasing SIPs without compromising my cash flows and lifestyle – which is all the more important for me. I strongly recommend his services to anybody who really is interested to plan for their personal financial matters.

Sameer Shah, Pune

I came to know about FinVin and Mr. Melvin during Google search for reliable investment advisor in Navi Mumbai. And till date I found him reliable than other advisers who got connected via some references.

Melvin is prompt in replying investment related queries on all platforms including Email, phone. He holds good knowledge and government certification in the subject. In the beginning he prepared investment plan for achieving all my personnel goals. Although I couldn’t do all investments suggested by him, whatever small actions I have taken found beneficiary.

As per my opinion everybody who has dreams for themselves or their spouse/children should prepare investment plan according to their income from investment adviser like Mr. Melvin.

Altaf Hussain Sayyed

I was investing for the last 10 years in mutual funds and shares as per my understanding and logic. After reading an article on financial planning in Times of India, I searched on Google to locate a certified financial planner in navi mumbai. I landed at Finvin and had a talk with Mr. Melvin. I could understand the benefits of going with a qualified financial planner. Really, my monthly cash flow is better now after implementing the financial planning recommendations. It is more focused and is covering all aspects of personal finance. It has helped me in coming out of some ULIP policies, which was waste investments. Melvin is a dedicated financial planner and have vast experience in personal finance. His passion to this profession is of beyond doubt. He is reachable on his mobile even on Sundays and is very quick in his response. I recommend Melvin for your financial planning needs.

Pankaj Mishra, Navi Mumbai

Hi Melvin , I am not feeling like I am in Delhi and you are in Mumbai. The communication is fast and your response is super fast. There are few people who give honest recommendation and you are one among them. Thanks for your support in clearing my financial worries.

Nikhil, New Delhi

I have been closely engaged with Finvin for about 1 years and have been satisfied with their service. Restless services provided by Melvin as he answer every other question we ask. Very calmly and confidently we get answers to my questions. Their reminders serve to ensure that no deadlines get missed.

It’s a pleasure engaging with him.

Gajanan Dhaske, Mumbai

It was highly honor to know you as a Financial Planner.

I must admit that I approached from your contribution on Facebook group Aasan Ideas for Wealth.

By reading your comments and neutral advice to people I could sense that this is the Person someone needs when we need Financial Planning to be completed.

After I met you the Guidance I have received from you while Planning my all things, like Term Insurance, surrendering low value/wrong Investment Policy, Investing in right SIPs, to initiate Goal Based Planning everything was so professional and nice that I stopped worrying now about my Financial Planning, Investments, Retirement Funds etc.

and You already proved that time to time whever I have doubt you always available on Phone call and email too.

It is really nice to have you as Financial Planner.

Thank you very much and I am sure our Professional relationships will strengthen further.

I will HIGHLY recommend Melvin  to all those who want to start from scratch or even if they think that they did good Planning they must see you once and they will realize themselves.

Sandip S Shimpi, Mumbai

I was always interested in finance and equity markets but never sure if I am going the right way.It was also difficult for me to convince my wife to invest in equities.Discussing with Melvin helped immensely in convincing my wife to invest and also to get a good review of our existing investments.
He explained each and everything one needs to know and convinced us to stay invested during hard times.His repeated reminders also forced me to buy a term insurance that I was neglecting for so long. Wish him all the best in his journey and I would be Happy to recommend Melvin to all my friends.

Anindya Bhattacharya, Kolkatta

My search for a financial advisor was extremely challenging as the people I met either had their own vested interest or wanted a specific value in terms of a portfolio. This did not really comfort me and so I continued my search and I came to know about Melvin. A lot of people and companies put testimonials on their website but when I read the testimonials on Melvin’s website it really showed the kind of impact he has been able to create to his clients financial needs. Once I spoke to him I was sure he was the right person for the kind of support I needed, He really spends a lot of time to understand one’s need and the plans they have in the near future. He does a very unbiased review of your current portfolio and then integrates the future plans to help you plan better. The other thing which stands out about Melvin is that his suggestions are extremely clear and logical. With the help of Melvin I have been able to give a structure to my financial needs which was slightly haywire. I would highly recommend his services because he is a great listener, he knows his job and is always available when you need his support.

Melvin , thank you for the support extended in the last 8 months and look forward to continue working with you in the years to come.

Avik Ghosh, Mumbai

Every one will have ambition and dream. Finance  is one of the key element for that ; either it is retirement planning, purchasing their own house, vehicle, children’s education or their marriage. To achieve these goals most  of us starts saving in different modes with little knowledge or as advised by our relatives, friends or agents most of them are also not expert in this field.

After investing for certain period, we start realising that we are not in right path or got trapped by agents which will be too late. We even develop phobia to consult financial planner who may again suggest some investment with his/her hidden agenda behind it. If you have already experienced this or want to avoid this, I strongly recommend you to consult Mr. Melvin who is a friendly person, analyse in detail your requirement and advise you to meet your goals without any hidden agenda behind it. Good part is,  he gives you step by step investment plan in un biased way  and he will patiently answer to your questions immediately even through whatsapp!

 

Praveen Prabhu, Oman

Eight years are completed, since when I started earning.

Like most of people during initial years, financial planning means only tax saving. Friends and relative benefited from me by means of insurance policies, money was lying around in saving accounts and FDs.  After some years I was married and loaded with home and car EMI, unable to save for future. I was financially alert but was not responsive. The hunger dragging me to one of the very well known Financial portal of India and the same financial planner (ex-financial planner).

Fortunately I was introduced to Facebook – AIFW group and learn many financial concepts. Also learn that my present financial planner is biased and kind of commission agent.

My FP search started again and ended with Melvin!

No doubt Melvin is good financial planner without any bias/commission interest in my portfolio. I can compare with him my earlier experience:
– he charge not high fee as my previous FP.

–  Prompt reply to queries over e-mail/phone. I managed to talk to my earlier planner only twice in year, but Melvin solved my many queries without any irritation by contacting more than 9 times just in short period time.

– He recommends good plan and make you understand in simple words.

– He is neutral in his opinion always, as I can see from AIFW group.

– I already started recommending him in my friends/relatives.

Abhijit Thorat, Pune

I was introduced to Mr Melvin Joseph, Financial planner , by a family friend, last year. I must say, having access to such a professional, that too at such a reasonable annual charge, has been a blessing for me.

 

Mr Joseph  is always available, on phone, text, or email and replies extremely promptly. His advice I can take as legit, as he takes no brokerage fees for his recommendations-and thereby has no evident vested interest in his recommendations- and they always seem to be sensible picks, albeit slightly on the conservative side.

 

I wholeheartedly recommend Mr Joseph's services to anyone who needs a guide through the stormy financial waters we are sailing through these days.

 

He is reliable, affable and his advice is worth more than several times ,his nominal charges, in my opinion

Dr. Mohan Komaranchath, United Arab Emirates

I searched for FEE only financial planner and came across finvin. The fees are nominal and the initial discussions were very enthusiastic and while answering the questions, I too learned. This exercise definitely arises your thought process about finances and changes the perspective you look towards your goal. The confidence given is of much help and gives a sense of mental satisfaction when you know that in an untoward incident the designed financial plan is going to take care of it, provided you are disciplined enough to follow the suggestions.

I am happy with the service provided to me by Melvin and I certainly recommend him.

Arijit S,Mumbai

Being a chartered accountant, I personally believe that proper financial planning is very important. For long, I was not sure of how to go about finding the right financial planner, until I came across an article in Finvin website. This is the reason I decided to use his financial planning services, and I am very happy with my decision to do so. Melvin’s approach to analyzing my finances has been very systematic. It is also customized, since every individual's circumstances are different. He has come up with sensible suggestions about the changes that I should make. His analysis provided me with the conviction, and consequently the peace of mind, that I am on the right track. I strongly recommend Melvin’s services to anyone who cares about his family & financial health.

Vijay SethDubai

I am really thankful for the advice given by Melvin sir and as per his advices I am managing my finances . As per Melvin Sir advices most of my personal loans are cleared and I having a great relief. Thank you very much Sir and looking forward for many more advices for my financial planning.

Pankaj SinghMumbai

Being involved in professional and domestic commitments ,I have never bothered to know about efficient financial planning and management. After reading an article on taxation of mutual funds in your site, I realized how much tax I am paying on my bank deposit interest, which can be saved. Your site offers more and more articles to know how to make best use of whatever money we make .Thank you for the efforts to educate the people who lack discipline in money management. Your service charge of 5000 is very well justified. Thank you for guiding me for my financial goals.

Mayur ShettyMangalore

Unbiased advice at affordable prices – Yes Melvin is really practicing what he preaches. He asked to check up with few of his clients first regarding his services. This shows his confidence in his clients.It is always a pleasure to read all articles posted by Melvin which are very informative, simple, clear and concise. During the creation of my financial plan, he was very responsive, attended to all my concerns and clarifications very fast. I am very happy with the service provided to me by Melvin and would definitely recommend it to anyone, who want to plan his financial goals.

Amit MishraDelhi

Melvin has not only helped me understand my current financial state of affairs , but also provide insight into my lifelong financial planning with alternate options suitable to my short term & long term goals . He is one of the few SEBI registered investment adviser who is not selling any financial instruments. He recommends the best products which we can buy online and save cost. It secures your thought process & supports you in taking the right actions at the right time. I feel happy being connected to Melvin and highly recommend everyone to reap the offered benefits by a dedicated financial planner.

Laxmi ParabBangalore

Thank you Melvin for making my financial planning. It is not about just recommending some products but bringing the analytics, insights and power of observation and thereby helping me understanding the inner nature of financial planning...keep up the good work and may God bless you.

ArupBangalore

Hi Melvin Thanks for the 360 degree financial planning work done for me. We, both working never thought about many of these goals. The Data sheet was an eye opener for us to think on those goals. I really thank you for your patience in answering many of my queries that too with clarity. Yes, Now I really understand the benefit of engaging a financial planner. I am sure you will help our family in reaching the financial goals. Thanks Melvin and expect your continued support.

VikramGurgaon

I had too many calculators of my own for any kind of financial planning. But until I join FINVIN none of my plans worked and were never systematic. Now I am free of all tensions with this plan from Mr. Melvin. Great!

P.V.Kuwait

I am an engineer from Mumbai but often travelling abroad. With limited knowledge of financial products, I never bothered to have a structured financial life. I knew my goals but lack of understanding of various products, left me confused and prevented me from making any investment decisions. In between the bank sold me many ULIP policies - a blunder which I realised later. This put me in a state of dilemma . I looked for a financial planner .That is when I came across FINVIN Mr. Melvin spent quality time and listened to me. No sales pitch ! His understanding of products and readiness to listen to my issues helped me to develop a financial plan to meet my goals. He explained the logic behind his recommendation in a simple manner. I am confident of reaching my goals. Thanks Melvin. I feel It is a must for all . The fees charged by him is realistic when compared to benefits derived.

Manoj TiwariMumbai

My son was bent on getting a financial planning done for me as he had found benefits after doing the exercise for himself. Initially i was skeptical with all the financial information being shared upfront to a person who would design ideal 'financial life'. After a chain of emails exchange the information required was shared with Melvin and our expectations from him was set. It was indeed good to see his promptness and 'simple' language explanation to all my queries. I feel with the solutions he proposed (action for all of them have been started while i write this) did convince me to go ahead and will do good to achieve my retirement goal in peace. In short the exercise was comprehensive in nature which ensured that aspects of health insurance, tax planning & retirement corpus investment are taken care of in best possible manner which is not only convincing to act upon but easy to understand (thanks to simple & lucid explanation in the formal plan). I wish him the best for his future and sincerely hope that more people utilize his services to keep their financial life on track.

KNMNagpur

I subscribed to the service of Melvin 6 months back and so far found him to very knowledgeable about his subject and very easy person to deal with. He has a well thought out strategy to understand the overall financial roadmap of his client and he is very methodical in his approach and is always reachable through calls/SMS/mails etc. He has helped me understanding and fixing goals for me and explained me the suggested financial solutions in minute detail. I am in the implementation phase now and, I am sure he will continue to offer excellent service by reviewing the financial plan. I am sure, this service will help my family in the long term. Thank you Melvin for the great service.

VikramDubai

Mr. Melvin has been a great help to my family and has streamlined our finances bringing us into a comfortable position now. He has an in depth knowledge of the subject of personal finance. He also knows how to deal and explain in simple terms, the entire subject to us. His planning helped us in reaching many of our short term goals. When I was about to stop my SIPs two years back, he persuaded me to continue them and now I am enjoying the benefits of it. Thanks Melvin for your efforts. I recommend Mr. Melvin to anybody who want to clean up their personal finance with true value added recommendations without any sales pitch.

Amit KumarKolkatta

Can I write about a person whom I have not seen even once? Yes, I can. I was handholded my Mr. Melvin for the last 3 months in cleaning my personal financial matters which were in a mess - Thanks to many LIC agents and tips from friends. He listened to all my silly doubts patiently and suggested ways to come out of the mess. Now I am on track after the financial planning with Mr. Melvin. It covers all vital areas of one’s financial life. I am enjoying a peace of mind now with regards to my financial matters! Thanks Mr. Melvin for your concern and personalised service. God bless.

Sameer ChandraUAE

I recently got my personal financial planning done by Melvin Joseph. He is very easy going guy, every friendly & humble. My first reaction after reading the plan prepared by him was it is very easy to understand and implement. His plan is very comprehensive & easy to implement. He doesn’t bog you down with unnecessary data collection. His requirement are very detailed & goal based planning is very helpful. He is very responsive to follow up queries. Based on the plan provided by him I am very confident & have a clear picture of how I will be able to attain my financial goals. Thank you Melvin for your efforts & continue the good work.

Ram N SSingapore

I am using the services of Mr. Melvin for the last 4 years in planning my financial life. I thought of writing this as an appreciation of his good service to me and family in the last 4 years. I benefitted in the following areas: 1. Exiting from the unproductive investments 2. Realigning my insurance portfolio with least cash flow 3. Maintaining the optimum emergency fund 4. Suggestion of investments in the best instruments available in the market which suited my unique needs. Last year he helped me in moving to direct plan in mutual funds. Recently there was a property purchase and he suggested the best possible funding options. Altogether, I would like to thank him for the support in the last 4 years. Yes, he is client centric and do it at a reasonable fee. All the best.

Nitin VoraNew Delhi

Thanks Melvin for the simple light weight financial planning tips, which is totally understood by a IT person like me. I was afraid that finance is bit complicated for me from young days. But your process is so simple that anybody who is serious can follow it. You made my financial journey simple and made my life bit relieving. After implementing the plan, really I have more surplus now, which really improved my quality of life. Will meet you sure next time when I am in India. Till then through skype chat.

Vineet ShuklaDubai

We were looking for a neutral financial adviser in navimumbai after reading a blog in Face book. I contacted some planners and found most of them keen in selling more policies, Mutual funds etc. Me and my husband were already having a bunch of policies of LIC and private companies. We really want to consolidate our policies. Contacting Mr. Joseph was a surprise because he told in the beginning itself, that he is not selling any financial products. We met him in his office and it was a nice experience. He listened to all our queries and come out with answers which really suit us. We realised that we were just paying premium for some of the good for nothing policies. We never heard about term policy until he explained to us. Though we invested in mutual funds earlier, it was stopped after the 2008 crash. He really educated us in how we should manage the personal finance. Thanks to Mr. Joseph for this wonderful service.

Nitin & AkilaNavi Mumbai

I am aged 55 and started looking at retirement as a priority now. I recently got my financial planning done by Melvin He is very easy going guy, friendly & simple. He helped me in realigning my portfolio. This was a pleasant experience. His plan is very simple to understand and implement. He will not trouble you with unnecessary data collection. His requirements are very detailed & goal based planning is very helpful. He is very responsive to follow up queries. Based on the plan provided by him I am very confident & have a clear picture of how I will be able to attain my financial goals. I have asked my son in law who is in Dubai to contact Melvin for his financial planning. Thank you Melvin for your efforts & good luck.

Vijay ShankarBangalore

To contact a fee only financial planner was a new experience for me. To be honest, I was not entirely sure but thought to give it a try. Then I met Melvin through a Facebook group. The best thing he did ,when we meet first time, was that he made me comfortable. (We, as people, are not really comfortable to talk about salary and health problems... :-p) He listened to my unique situation. After a lot of discussion we came up with a financial plan. Since then whenever i had any small and stupid query, he was always there to help me out. That shows his dedication towards work, professionalism. The tips and tricks, services, and products suggested by him has been working well for me so far. I would definitely recommend Melvin for his financial service.

MaheshNavi Mumbai

I approached Mr. Melvin, when I was working in Dubai 3 years back. He helped me in arranging my financial life in order. He urged me to start SIPs, term policy, health insurance etc. I really got the benefit of his service recently when I lost my father in an accident. Melvin helped me a lot in arranging for the claim settlement from LIC, helped me in arranging the documents and made the process very simple – all through remote control, because I am in Delhi and he is in Mumbai. Now he is helping me with the investment of the lump sum amount received. All this at a very reasonable annual fee. Really personalized service, I will vouch for his dedication in this profession.

Mukesh GuptaNew Delhi

I am a teacher and my husband work for IT sector. We are married for 5 years and have never taken any concrete steps to decide on the personal financial plans. From a TV show, I heard about the need for a financial plan for the family and started searching for a good financial planner in Bangalore. I realized this field is very cunning because many planners are agents also and they are keen on their commissions. Thanks to Google, I could reach Mr. Melvin in Mumbai. He is a neutral adviser who is not connected with any company and he is getting fees only from us. Though we could not meet him (we are in Bangalore), we have gone ahead and availed his services. Our experience for the last 6 months are very good and he really supported us in planning our personal finance. Thank you Mr. Melvin.

Rema KurupBangalore

Being a software engineer I thought of planning my finances in the smartest way myself. But I had no knowledge on how to start learning and arrange my finance in order. I heard about Melvin from one of my friends and start reading his articles in Finvin website from 2013. I used to mail him when there is a doubt and he used to clarify. I was very much impressed by his responses even to an unknown person. Later I realized that personal finance is much important and it is better to take professional help. I contacted Melvin and realized that he is the right person whom I am looking for to help me to shape and lay road map for my finances. Melvin is true to his profession and is a good listener and is very prompt in his response. Melvin has taken greater care in laying road map so that I could easily reach all my goals.

Rajiv RustogiDubai

I joined for the services of Melvin in 2010 and he recommended me good investment options for my life goals. It was mainly through mutual funds. I started investing in MFs via SIPs. But after 2 years, I was not happy with the performance of funds like HDFC top 200, Birla Frontline equity etc and stopped them after 3 years against the recommendation of Melvin. But I have not sold these funds. But I am a happy man now because all the recommended funds are performing well. I rejoined for the services of Melvin this month and now started SIPs in 4 funds as per his financial plan. I paid his fee of 9000 happily because I realised my mistake I made by discontinuing his services. Melvin is 100% impartial and is helping investors with genuine interest. I feel such an advisor is like our family doctor. Anil Kapoor, Noida

Anil KapoorMumbai