Our Process
Process
Our Approach
A Step-by-Step Approach to Holistic Financial Wellness
At Kairos Wealth, financial planning isn’t a one-size-fits-all template — it’s a life-stage-aligned process that adapts to your evolving goals, responsibilities, and dreams.
We follow a four-step model that ensures you’re prepared for today, protected for tomorrow, and on track for the future.
Emergency Planning
“Your first line of financial defense.”
We help you build a contingency fund worth 3 to 6 months of monthly expenses — so you’re financially prepared for job loss, health crises, or other sudden disruptions.
What We Do:
- Assess your fixed and variable expenses
- Recommend suitable parking instruments (liquid funds, FDs, sweep accounts)
- Structure the fund for quick access and peace of mind
🖼️ Suggested Image:
Illustration of a safety net catching coins, or a rainy-day jar labeled “Emergency Fund”
Risk Planning
“Protect first, grow later.”
Before wealth creation, we ensure wealth protection. We evaluate your risks and advise you on essential insurance coverage to shield you and your family from financial shocks.
What We Cover:
- Life Insurance (pure term plans)
- Health Insurance (individual or family floater mediclaim)
- Critical Illness / Accident covers
- Income protection
🖼️ Suggested Image:
Umbrella shielding a family, or shield icons with health and heart symbols
Goal-Based Planning
“Every rupee should have a purpose.”
We help you align your investments with specific life goals, both short-term and long-term — so you can live fully without financial stress.
Typical Goals We Plan For:
- 💍 Marriage
- 🎓 Child Education
- 🏠 Buying a Home
- 🚗 Vehicle Purchase
- ✈️ Dream Vacations
- 💼 General wealth accumulation
What We Do:
- Define timelines and goal amounts
- Choose optimal instruments (mutual funds, FDs, SIPs, bonds)
- Review and rebalance annually
🖼️ Suggested Image:
A roadmap with goal milestones or a piggy bank with different labeled slots
Retirement Planning
“There’s a loan for everything — except your retirement.”
We ensure you’re not just financially independent, but also inflation-proof and future-ready when you stop earning.
Our Focus:
- Retirement corpus estimation
- SIPs and long-term investments in diversified funds
- EPF/PF & NPS optimization
- Post-retirement income planning
🖼️ Suggested Image:
A person relaxing in a hammock with “Retirement Fund” signs or a timeline moving toward a peaceful retirement
🔚 What Makes Our Process Different?
✅ It’s personalized
✅ It’s non-product-pushing
✅ It’s life-stage-based
✅ It’s flexible and reviewed annually
✅ It’s executed with clarity and full transparency