A trusted financial partner guiding you toward sustainable growth and financial independence.
Secure Your Golden Years with Strategic Retirement and Pension Planning
Book ConsultationRetirement should mean freedom, comfort, and financial security — not stress or uncertainty. At Wealth & Beyond, we help individuals across India design personalized retirement plans that ensure a steady income, tax efficiency, and long-term stability. Whether you're a salaried professional, business owner, or investor, our strategies integrate NPS, mutual funds, equity, and fixed-income solutions to help you retire confidently.
Led by CA Jyotika Nalavade, our team brings over 15 years of experience in financial planning, investment management, and risk assessment to craft retirement solutions tailored to your unique goals.
Without a clear retirement plan, even a high-income career may leave you financially unprepared. Rising inflation, healthcare costs, and lifestyle aspirations make structured planning essential.
At Wealth & Beyond, we help you:
Calculate the exact amount needed to maintain your desired lifestyle throughout retirement.
Optimize your portfolio across NPS, mutual funds, equity, and fixed-income instruments.
Leverage NPS tax deductions and other retirement-focused tax optimization strategies.
Structure annuity options and withdrawal strategies for steady post-retirement income.
Our approach ensures that your retirement plan isn't just theoretical — it's a practical, actionable roadmap that evolves with your life stage.
Secure, regulated retirement savings scheme backed by the Government of India.
Additional tax deduction of ₹50,000 under Section 80CCD(1B) over standard limits.
Choose your asset allocation between equity, corporate bonds, and government securities.
One of the lowest cost pension products with minimal fund management charges.
Expert fund managers handle your investments with regular performance reviews.
Continue your NPS account even if you change jobs or locations across India.
Start NPS and build foundation with higher equity exposure for long-term growth. Focus on compounding benefits.
Increase retirement contributions, diversify portfolio, and balance risk with stable investments.
Shift towards debt instruments, review retirement goals, and optimize tax planning strategies.
Focus on capital preservation, plan withdrawal strategies, and finalize retirement income structure.
We start by analyzing your current income, expenses, savings, and future aspirations. Using this insight, we build a retirement plan that balances growth, risk, and liquidity.
Comprehensive analysis of your current financial situation and retirement goals.
Define retirement lifestyle expectations and calculate required corpus.
Create personalized investment plan with NPS and diversified portfolio.
Execute the plan with regular monitoring and adjustments as needed.
Our team monitors market trends, policy changes, and life-stage transitions to ensure your plan remains on track. With tools like NPS and diversified investment portfolios, we help you maximize tax efficiency while securing your future.
Additionally, we provide guidance on estate planning, insurance integration, and passive income generation, ensuring your retirement is both secure and enjoyable.
Strategic National Pension System enrollment and contribution optimization for maximum benefits.
Diversified retirement portfolio with equity, mutual funds, and fixed income instruments.
Structured withdrawal plans and annuity options for steady post-retirement income.
Our retirement and NPS planning services cater to individuals and families across India, including Mumbai, Pune, Bangalore, and Delhi. We work with:
Looking to plan early and maximize retirement savings through systematic investment.
Seeking structured pension and wealth preservation strategies beyond business assets.
Wanting to invest in Indian retirement instruments and plan for eventual return.
Aiming to optimize withdrawals, tax planning, and passive income generation.
No matter your age or profession, our strategies are designed to provide confidence and financial peace in your later years.
At Wealth & Beyond, we believe retirement is a life stage to enjoy — not worry about. With our expert guidance, you can plan effectively, invest strategically, and secure a future where your financial independence is guaranteed.
The National Pension System (NPS) is a government-backed retirement savings scheme offering tax benefits and long-term growth through equity and debt allocation. It's a low-cost, flexible, and efficient tool for building a retirement corpus.
The retirement corpus depends on your current lifestyle, expected inflation, and post-retirement goals. We calculate a personalized target based on your income, expenses, and anticipated retirement age.
While NPS is an excellent tool, relying solely on it may limit flexibility and growth potential. We combine NPS with mutual funds, equities, and fixed-income investments to create a balanced and diversified retirement plan.
The earlier, the better. Starting in your 20s or 30s allows compounding to work its magic, reduces risk, and ensures a comfortable lifestyle after retirement. Even if you start later, structured planning can still help achieve your goals efficiently.
A trusted financial partner guiding you toward sustainable growth and financial independence.
This website is for informational purposes only and complies with ICAI guidelines. Client confidentiality is strictly maintained.