Life is unpredictable, isn't it? You never know what's coming next on your way. Still, we plan with the best possible effort we can. Living a peaceful life with a good amount of income, maintaining expenses, investing amount with a hope of good return, saving a good amount of money - most of us do these things. We tend to set some goals and work hard to achieve those. It is not easy being a single source of income in your family. You might be confident enough that you will manage every speed breaker in your life. But you have to admit that not every one of us is wise enough to handle financial planning and investment-related matters.


Leading a peaceful life with your family is good but you need to think about the future as well. What if your current income is interrupted for any reason, what will your family do after your uncertain demise? Apart from these factors, there are a lot of unsuspected expenses which are not budgeted such as a medical emergency etc. Also expenses like education of children, marriage expenses, buying a home or a car etc there. All of these need an adequate fund to meet these expenses. 


Merry Mind, a Kolkata-based financial consultant believes if you plan to do all your financial planning alone, you might not be right at all times. On the other hand, expert advice will help you to make the right decision at the right time. Experts will always help you to look over your cash flows, expenses on your current and future assets, investments that will benefit you. Otherwise, after a certain time, you will think about where all of your income has disappeared. That's why you always need proper planning which includes short-term and long-term goals. 


Proper financial planning with the help of experts like Mr Arijit Sen, a SEBI registered investment advisor in Kolkata and Mr Uttam Kumar Sen, a certified financial planner and a certified financial transitionist will nurture your relationship with money and make you aware of various aspects of your personal finance. This will streamline your income, expenses, assets and liabilities of the household to take care of both of your current and future needs for funds. Experienced financial consultants like Merry mind will help you to prioritise your funds and expenses with risk-free and proper financial planning.