Nishant, is an energetic person providing a positive influence to those with whom he interacts. His in depth knowledge in all assets classes like equity, debt and gold helped me follow balanced asset allocation for my portfolio. He understands the features of all investment vehicles like Mutual funds, National Pension Scheme (NPS), secondary bond market, RBI Floating Rate Bonds, Small Saving Schemes and has written several articles around it. Tax Planning is another area where he adds a lot of value. He highlights all the risks associated with an investment. I would highly recommend him to anyone wanting to achieve better financial outcomes specially with respect to retirement planning and long term wealth creation.

I was in a financial mess before I reached out to Niraj to guide me on this. He was patient enough to understand my current financial health, my future goals and helped me build a structure around it. Within a year of working together, we have not only managed to clear off all the unnecessary personal loans that I had but he also made me realize the importance of having my own independent medical insurance apart from the one that my office provides. Apart from helping me with my financial discipline, Niraj has also planned my investments taking into consideration my retirement goals and he has ensured that a person like me who lacks financial discipline is on the right track.

I got to know Nishant thru twitter and started following him. Once I personally messaged him to seek advice on a SIP I wanted to start, his honestly disclosed that his compliances are in process with the regulatory body before he can start advising. What struck me was his outright nature, honesty and ethics. Nowhere in our conversation even after that did he try to sell me something. This is way back in 2020, now he runs a full-fledged financial planning firm. On Nishant's recommendation, I bought Mutual Funds Schemes which were carrying DHFLs NCDs at zero cost. I made a handsome gain when DHFL was resolved. As these bonds were valued at zero in main portfolio, my risk was nothing. Similarly, on his recommendation I also bought Franklin FOF, which was carrying one of the winded up schemes at 50% NAV. That was also a smart move. To sum up I can describe Nishant's work as Honesty, No mis-selling and a Knowledge powerhouse. Now all my financial worries and pain has been outsourced to Nishant and I focus on growing my own business.

One of the best things that happened to me this year was getting to know Niraj Dugar. He is one of the best persons you can find to manage your finances.I was impressed with the way he explained things and got things done. I like his in-depth explanation of different financial products that he recommended based on my goals. He has been highly responsive, and I would strongly recommend him to help manage your finances.

I have been using Nishant's services for the past 2 years and I have become half a financial planner. Jokes apart. He has immense knowledge of mutual funds and capital markets. Nishant not only helps you plan your financial freedom journey but also imparts knowledge & wisdom. He is an excellent listener who understands your lifestyle and pain points which helps plan your journey more realistically. If he is unaware about a certain product or has doubts doesn't hesitate to say it out loud and consult his talented peer group. I have myself seen a good amount of value addition in my portfolio after using his services. Lastly, thank you Nishant for being the listening ear and helping me inch closer to financial freedom.