Insurance broker

 : 

Venkatesam S N J K

Depending on the project, a client can choose either an hourly rate or a fixed price for the entire project. In case of any doubt, the client may connect with Mr. SNJKV for taking an informed decision. If as per the initial assessment of Mr. SNJKV the project takes an hour or two for completion and submission, an hourly fee is recommended. If the project is expected to take more than 2 or 3 hours, a fixed price for the entire project is preferable. In case of hourly fee, 50% of the estimated fee is payable in advance and 50% at the time of submission of the project. In case of a fixed fee for the entire project, the entire fee is payable in advance. In either case, the fee is non-refundable.

With every client, there will be an initial counselling session that takes 15 to 30 minutes. This initial interview is also chargeable. In case of hourly fee, the initial meeting, project working hours, and the submission meeting are all charged. For example, in case of an hourly fee of Rs. 3000, if the initial or preliminary interview takes 30 min, the project completion takes 02 Hours 30 Minutes, and the discussion of the plan takes 30 minutes, the total time is 03 Hours 30 Minutes. Thus, the total fee is Rs. *information hidden*plus taxes i.e. *information hidden*However, if the client opts for a fixed fee for the entire project, there will be no additional fee for the initial interview and final submission discussion.

SNJKV (First Name: Venkatesam and Last Name: SNJK) is a Certified Financial Planner (CFP) from Financial Planning Standards Board (FPSB). He has over 17 years of experience in the field of financial services and advisory, working with notable organizations viz. Bajaj Capital Ltd. and ICICI Securities Ltd. Currently, Mr. SNJKV is a Director at Prosavers Financial Services. He is the author of "Roots of Financial Freedom", a timeless financial planning guide (available on Amazon). He is a B.Com and M.A. (English) from Osmania University, Hyderabad and holds a PG Diploma in Financial Planning (PGDFP) from International College of Financial Planning (ICOFP, Delhi). He is also a Licentiate from the Insurance Insitute of India.

Mr. SNJKV started his journey in the field of financial planning and financial services in the year 2006 with becoming a PGDFP and registering with FPSB. Ever since, he has been a dedicated financial planning professional and educator.

Mr. SNJKV has experience working with individual - Retail Clients, High Net-worth Clients (HNI), Non-resident Individuals (NRI), and Organizations - across demographies i.e. by gender, age, and economic status.

As it is an ongoing process, Mr. SNJKV is always working with individuals and families educating them on various matters of personal financial management. The current and latest project involved educating a client discussing his various financial needs and goals and the process of planning such needs including risk management, insurance planning, tax planning, estate planning, and retirement planning etc. The project took about 10 Hours to complete and involved a fixed fee of Rs. *information hidden*.

Ask questions. Ask relevant questions. Learn what questions to ask a professional. Fee charged by a professional must never be a concern to a client. Efficiency and professionalism of the professional must be the only priority. Look for qualifications and practical experience. Even if the experience is not vast, if the professional can prove his skills and give you confidence, you may proceed to seek his service or advice.

1) What they want to achieve - their specific needs and goals; *information hidden*Nature of the service or advice they seek; 3) Qualification and experience of the professional; 0) Fee must not be a priority. More than what a professional is charging or earning, you must focus on what value you are getting. If the value you are getting is worthy, make arrangements to pay the fee one way or the other. You do not go to a hospital for emergency and start negotiating with Doctors about the medical bill and treatment costs, right? So, do not do it with any other professional.