We at iplan endeavor to become the most trusted financial planners in India, trying to simplify the complicated subject of Financial Planning.Unlike most western countries, we Indians do not enjoy social security, like pension, free healthcare, education and so on. There is too much dependency on the bread earner in the family and an individual spends roughly 25-40 years of his life to provide for all these essential life stage needs like marriage, childbirth, education/ marriage of the children, buying a house/car, vacations and retirement, and that's quite too much to do. Though these requirements are common to most of us, some are able to attend to these comfortably and some find it extremely difficult to manage these few but very crucial requirements. This is one of the most common problem area arising out of an ad-hoc approach when it comes to planning for one's own self. As far as investments products are concerned we end up buying what 'they want to sell' rather than what 'we need to buy'.