You collected products instead of building a plan
Each bought on its own day, from a different person, for a different reason. Never joined up.
Dr. Devendra KapadiFinancial Health Check-up
FOR SALARIED AND SELF-EMPLOYED EARNERS ONLY
Know Exactly How Much Money Your Retirement Actually Needs - Worked Out Live With You, Inflation Included, Before You Hang Up In Just 30-Minutes.
Thirty minutes, private, one to one with Dr. Devendra. A money check-up run exactly like a medical check-up. Diagnosis first, never tips.
Book My Financial Health Check-up - Just ₹9
No product is sold on this call. No stock tips and no promises about returns.
Who Is This For?
- You earn well, you save every month, and nothing is written down
- You have SIPs, FDs and policies, and could not say which goal each one is for
- You have children or parents depending on you, which is why this sits on you
- You do not know what your family would need if your income stopped tomorrow
- You have never worked out your retirement number, so "we will see" is the plan
- You are tired of tips and forwards, and nobody has seen your whole picture
- You want stock tips or which fund to buy this month
- You want a promise about returns or a corpus figure
- You want to be sold a policy or an investment product
- You want somebody else to manage it so you never understand it
You did everything you were told. The SIP, the policy, the FD. And you still cannot answer the only question that matters - will this be enough, and for whom.
Book My Financial Health Check-up - Just ₹9
₹9 · 30 minutes · Private, one to one on Zoom or Google Meet · Bring your spouse if they handle money with you
Why Years Of Saving Still Feels Like Guessing
One minute on your phone, and you will see it.
Open your phone and list your SIPs, FDs and policies. Next to each one, write which goal it is working for. Count how many you could not answer.
That count is the real problem. Not returns, not the fund, not the market.
Money not attached to a goal cannot be measured, and what you cannot measure you can only guess at. Years of discipline, still guessing.
Every goal is still a feeling, not a number
Your child's education, the house, retirement. No amount against any of them.
Protection was treated as a tax-saving
A policy bought in March to save tax is not your family being covered, and nobody checked the difference.
You were given answers before anybody asked a question
Reels, forwards and tips hand you the medicine. Not one ran the test.
The gap is not personal and it is enormous
Urban Indians have built about 28% of the corpus they are aiming at. Only 11% believe it will last.
So here is your free one. Take what your household spends in a month and multiply it by 300.
Not a plan and not advice - just a rough illustration of the scale. Most people see that number for the first time in their lives, and it changes the conversation at home that evening.
What Happens In Your 30-Minute Financial Health Check-up?
Private, one to one with Dr. Devendra himself. Vital signs first, diagnosis second.
VITAL SIGN ONE
Your earning and spending
What comes in, where it goes, what is left to invest. In rupees.
VITAL SIGN TWO
Your family's protection
Emergency fund, life cover and health cover against what you have. Any gap appears in rupees.
VITAL SIGN THREE
Your goals
Each gets an amount and a date, so "someday" becomes "this much, by this year".
VITAL SIGN FOUR
Your investments
Every SIP, FD and policy attached to a goal. The ones attached to nothing are your confusion.
VITAL SIGN FIVE
Your retirement number
Worked out live, with inflation included, from your own figures. This is where most people go quiet.
Your report and your top 3 gaps
Your one-page report and the three gaps to fix first, in order. Nothing is sold to you.
Thirty minutes to stop guessing about your own money - and to end the call holding the page that says where you stand.
Dr. Devendra KapadiMBBS
- Financial educator
- AMFI-registered mutual fund distributor, ARN-______
- Not a financial planner and not an investment adviser
He is a doctor, so he kept seeing in money what he sees in medicine - people on the medicine before anybody ran a test.
He has sat with families through health claims worth lakhs, which is why protection is checked before investments. That order is not a preference - it is what he has watched go wrong.
70+ familiesworking with him, not an audience of lakhs
Every calltaken by him, alongside his own practice
10 a weekthe only number he can do properly
One pageyour report, in your hands when the call ends
- He will not give you stock tips or tell you which fund to buy
- He will not promise you returns or a corpus figure
- He will not sell or pitch any product on this call
- He will not ask for account access, passwords or documents
- He will not manage your money for you instead of teaching you
I do not give tips. I give you a diagnosis, and then I teach you to read your own chart.
Why more information never helped
You have watched the videos and know more about investing than most people around you. None of it helped, because information is the medicine and you never had the diagnosis. No doctor prescribes before testing. Everybody in money does - which is why disciplined earners are still guessing after fifteen years.
The Three Steps
STAGE 1
DIAGNOSE
Nothing is touched before it is measured.
- Income, expenses, savings and net worth on one page
- Emergency fund, life cover and health cover checked against what you have
- Your protection gap in rupees, not in words
Result: For the first time your whole money picture exists in one place.
STAGE 2
GIVE EVERY RUPEE A JOB
This is where guessing ends.
- Every goal priced and dated - education, home, marriage, whatever yours are
- Each SIP, FD and policy linked to one of those goals
- The money attached to nothing identified
Result: Nothing in your portfolio is there by accident any more.
STAGE 3
SECURE YOUR FREEDOM
The number, and then the calendar.
- Your retirement number, worked out with inflation included
- Whether you are on track, stated plainly, with no comfort added
- Review dates fixed, so you review it yourself every six months
Result: A one-page roadmap you can read and run without depending on anybody.
Diagnose first, then give every rupee a job, then fix the number and the dates - the same order a doctor would use, because it is the only order that works.
You Might Be Thinking - "Will This Work For Someone Like Me?"
I have an agent. I earn too little. I earn too much. Half an hour is too short. And why ₹9?
"I already have an agent and a CA."
"My income is too small for planning."
"I am already well invested."
"Thirty minutes cannot cover my situation."
"₹9 means something will be sold to me."
Five reasons to wait, and the same answer under all five - nobody has run the test yet.
Dr. Devendra takes every check-up himself.Which is why there are only 10 a week.
He runs these alongside his own practice. No team, no associate, no junior. Ten is what one person can do when every report is worked out by hand.
And the clock is not his. Every year without a written plan brings your goals closer and your retirement number higher, because inflation does not pause while you decide.
So take a slot, and keep rough figures ready - income, SIPs, FDs, insurance covers.
Everything You Get For ₹9
- A private 30-minute Financial Health Check-up with Dr. Devendra
- All 5 vital signs - earning and spending, family protection, goals, investments, retirement
- Your retirement number worked out live, with inflation included
- Your protection gap stated in rupees, if there is one
- Your one-page Financial Health Report with the 3 gaps to fix first, in your hands when the call ends
- Plus the Retirement Number Calculator - two minutes, inflation included, yours to re-check every year
Nothing to prepare. Rough figures and an honest half hour.
The report and calculator are yours whatever you decide.
What is included
- The private 30-minute check-upIncluded
- Your report, retirement number and top 3 gapsIncluded
- The Retirement Number CalculatorIncluded
All of it included.
Your cost today:₹9
Book My Financial Health Check-up - Just ₹9
Secure payment · Slot and reminders on WhatsApp
No stock tips, no fund recommendations, no promise of any return or corpus, and no product sold on this call. This is financial education. You leave holding your own report, and what you do next is your decision.