I am Prasad from Visakhapatnam, AndhraPradesh working as Software professional. My overall experience is more than 10 years but was never serious about tracking my expenses or planning my future and aligning the hard earned money to future goals. I was added to "ASAN Idea for wealth" by one of my colleague and then started understanding about different terms and concepts of money.
I decided to do SIP a couple of years back and that was the First decision that i took after reading and knowing about it. I see a lot of funds in the market, confused and asked the fund managing company Aditya Birla my Universe on suggestion and invested accordingly after doing some research.
Till then, i was investing in Direct stocks doing intraday and lost some money that made me learn some lessons. All that was history.
I found Melvin sir in the same group in Facebook, contacted him and spoke to him for only few minutes. The First call was more of understanding about me and my seriousness.It took more than 9 months for me to streamline my messy financial stuff and pay his fees.
It was that dis-organized at my end and then i filled the Questionnaire sent by him and had series of meetings over the phone to arrive at ian
agreement on my contributions for him to plan better.
We first identified the areas where it needs improvement and it was my MF SIP where he suggested to do it Direct rather than doing it through agencies.
Secondly, we identified the lumsum/left over money every month after expenses and streamlined it to MF to meet my short term Goals.
Also, Helped me by providing his inputs to close the personal loan and i feel confident that i can close it by end of Q1,2018 now. I can then invest that amount into something meaningful.
He constantly follow-up with the customer and ensure all the concepts of money are understood. He warns not to do anything if you are not 100% Sure and he advises to ask Questions and is always reachable to discuss on anything that is unclear.
I am very much happy with the simple steps taken today and i recommend him to anyone without any second thought. He is very skillful, knowledgeable and thoughtful.
Thanks Melvin Sir for all your help, time and patience