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Modular Financial Planning
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Modular Financial Planning

We offer modular financial planning services, meaning that the scope of our work together can be as comprehensive or narrow as you would like. You will only pay for the planning you want.

Modular Financial Planning is executing the Financial Planning process one step at a time.

At SmartMantra Financial Services, we combine the Financial Planning process with Life Planning to empower our clients. This process helps you gain understanding and insight essential to deciding what’s next for you and what your money can do for you in the coming years.

The suitability or accuracy of specific recommendations provided in a modular financial planning situation may be affected by planning areas. Yes, It has not been considered or evaluated due to the limited scope of the engagement.

  • Insurance Planning
  • Retirement Planning
  • Investment Planning
  • Tax Planning
  • Estate Planning
  • Short-Term Cash Flow Planning



Step One

Step One


We help you get clarity and answers to critical financial questions like:

  • What do I want my money to do for me?
  • Do I have enough money to retire without fear of outliving my money?
  • How should I organize my assets and liabilities to help best achieve my goals?
  • Do you know if my current spending pattern is sustainable?
  • How should I invest my money to improve my chances of meeting my goals?
  • Are my family members protected in the event of my death or disability?
  • Am I unknowingly exposing my family to risks by not having a will, a living trust, or a durable power of attorney?
  • How will my beneficiaries fare when I pass on?
  • How can I pass more of my estate on to my heirs tax-free?

This process identifies your key opportunities and potential risks in retirement planning, investments, insurance, tax strategies, long-term care, and estate planning.

Step Two


We can help you distinguish between your “needs” versus your “wants.” We partner with you to identify the highest priority items that need to be addressed in the first year, then the second year, etc. We help you implement your plan and coach you to stay focused on the road ahead.

When things “pop up” in life. It makes you question what choice to make. Yes, we are here to “test and adjust” your options to help you to make the most financially sound and personally fulfilling preferences.

Step Three

Implement & Review

Financial planning is an ongoing process. Yes, it ensures your financial plan meets your needs. Your financial advisor will conduct periodic reviews, take a look at your current financial progress and recommend any necessary adjustments.

For more information about our comprehensive financial planning services, please get in touch with us.