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The 4 Cs

Wealth – accumulating it is something every person strives for. The thing about wealth is, you cannot, and shouldn’t, work for it constantly. You need to let it work for you too… And that is precisely where the issue lies, for not many people realise this.

1
Creation of Income

The primary focus. This is what every person works for. As a breadwinner, there are a number of reasons a person focuses majorly on income generation, like -

  • Supporting the family, the livelihood
  • Improving and maintaining a certain standard of living
  • Wanting to have a certain social status
2
Consumption of Income

This involves expending the income on necessities and other arenas. One area that must be given more thought when it comes to deciding what to spend on. Consumption should be judicious. More on necessities than wants and other luxuries.

3
Continuation of Income

The most important, yet the most overlooked aspect of family welfare. Continuation of income is about planning and organising our wealth for the future. This is what prepares you for contingencies. This takes care of the family in case of foreseen/unforeseen circumstances where you would have limited or no income – for eg. Retirement, medical emergencies, etc.

4
Conservation of Income

This might be listed last but never should be the last step. Usually, people tend to conserve what is left after creation and consumption. When in fact, a portion of your income should always we conserved first, based on your future goals, and then what is left should be consumed well.

What Our Clients Say...

Mr. Vishnu Kumar Singh, (RXM, Bajaj Finserv Ltd.)

I wish to inform and confirm that financial planning services rendered by Sunil Chachlani is excellent and I am personally verry happy with the same. His approach is quite methodical and he is well prepared always to guide and offer impartial financial sevices to benefit his client. Overall I am very happy with his financial planning acumen and skill since more than a decade.

MS. Sunitha Karodt, GM- Human Resources, ("VITS- Luxury Business Hotels" & LOTUS Resorts)

I had approached Sunil with some apprehension, as I've never has a Financial planner before, and i believed that I was good at handling my finances myself. Today, I'm more systematic and organized in my approach and I feel fortunate to have been introduced to him. Sunil has been very thoughtful and insightful with respect to my financial needs and his investment suggestions have beend sensible and fair.

Capt. Sunil Bhatt Jet Airways

He has vast experience in the field of insurance which he was carried forward and fine tuned in the sphere of financial planning. I found his approach to financial planning methodical and at the same time flexible to the individual needs. The best part about the whole process is that Sunil is honest in his approach.

Mr. Vijay Narayan ACA, CFS (MSCI)

Having met Sunil changed the way we approached our investment planning. Earlier, despite being reasonably well invested, we were quite irregular in monitoring our investments. Sunil's systematic investment planning modal, has helped us big time in building confidence in our investment religion. That apart, Sunil is a fine and structured professional, With solid follow-up mechanism. It is extremely inspiring and overwhelming to see Sunil's dedication and commitment to work.

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About Let Money Work

Money. We all strive hard to earn the most and spend the most leaving behind no trail of it. Let us take a positive, scientific & defined approach towards structured FINANCIAL PLANNING through which we

  • CREATE WEALTH
  • PROTECT WEALTH
  • PROPOGATE WEALTH
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Income Tax

Every year with Government budget, the most common expectation an Indian citizen has is of 'change for better' in the Income tax slab. So to plan your investment strategy and understand how much tax liability you will incur this year let’s have a look at the tax structure for different categories. These categories are created by the Government of India for taxation purposes, and they are based on Gender and Age.

Know More About Income Tax