Once, an individual was driving a high-end car when it suddenly broke down.

Fortunately, an engineer happened to pass by. The owner asked for help. After carefully examining the engine, the engineer pointed to a spot and asked a passerby carrying a hammer to strike it. The man did so—and to everyone’s surprise, the car roared back to life.

The bill presented was:

Labour charges for hammering: ₹100

Engineer’s expertise: ₹9,900

Shocked, the car owner protested:

“How can you charge so much you hardly did anything? The labourer did more work!”

The engineer calmly replied:

“Hitting the harmer costs ₹100. Knowing where to hit costs ₹9,900. It took me 25 years of study and experience to master this. What you are paying for is not effort, but expertise.”

This story applies equally to the way you manage your wealth.

The car is your wealth.

The engineer is the financial planner.

The labourer is the platform/agent where/ with whom you buy or sell products.

The hammer is the financial product itself.

Moral: Always value good financial planning advice—and be willing to pay the right price for it.

Closing Note:

These are some of the product categories we are actively reviewing with our annual fee only clients. If you would like to explore how the above financial products suit your portfolio, connect with our team.

Happy Financial Planning!

Naveen Julian Rego – CFP®

MD & Principal Officer

Date: 12-09-2025