How we work
No slide deck, no product pitch.
A first meeting with Harbla Finserv reviews your income, commitments, existing investments and goals. Bring statements if available, or start with estimates. The first conversation is free; product costs and distributor remuneration are explained in our disclosures.
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Listen
What you earn, what you owe, who depends on it, and what you are trying to reach. Bring existing policies and statements if you have them; you will get a straight read on what you already hold.
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Measure
We put numbers on the gap between where you are and where you want to be. You will see the same arithmetic our calculators use, with the assumptions stated.
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Recommend
A plan in plain words, with the trade-offs named. If the honest answer is that you should change nothing, that is what you will hear.
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Review
Discuss when to review your position and what changes should prompt another conversation, such as a new job, a family change or an approaching goal.
Common questions
Does the first meeting cost anything?
The first conversation is free. Product costs are separate; ask about charges and distributor remuneration before deciding whether to proceed.
What should I bring?
Whatever you already hold: insurance policies, mutual fund statements, loan details, and a rough idea of your monthly income and spending. If you do not have paperwork to hand, come anyway and we will work from what you know.
Do you charge a fee for advice?
For mutual funds, fund houses pay us commission through regular-plan expenses. That means there is a product cost even though you do not pay us a separate advice fee. Read our disclosures for the distinction between regular and direct plans; ask about the charges for any other product or service.
Do I need to choose an investment before contacting you?
No. Start with a question or a goal. You can ask about existing investments, compare the options, or discuss what information you need before making a decision.
Before deciding, read our registration, product costs and remuneration disclosures.