Author: Sandeep N Setty

As a small business owner or entrepreneur, you’re likely wondering how to best invest your profits, especially in an unpredictable economy. With so many factors at play and advice coming from every direction—hot stock picks, private placements, or the latest “can’t-miss” opportunity—the decision can feel overwhelming. The Biggest Opportunity of Our Generation The real opportunity for business owners and entrepreneurs might be closer than you think: investing in your own business. In today’s challenging economic climate, scaling your own business can be one of the most strategic ways to secure your financial future. Growing your business revenue tends to be…

Last week, I had an insightful conversation with a client who has two children. He shared a concern that many parents can relate to: “Sandeep, I don’t want my children to struggle the way I did. I want them to be independent and successful, but I want them to face new challenges, not the same hardships I endured. If they go through the same struggles as me, then I haven’t done my job well.” When I asked him what kind of challenges he wanted for his children, he said: “I want them to live a life of passion. I believe…

When it comes to income, there are two primary types you need to consider: Every asset you own has the potential to generate income, but most of it is variable income—fluctuating and unpredictable. Surprisingly, income is one of the aspects that often gets overlooked in estate planning. A Real-Life Case Study One client shared an interesting scenario: He inherited an old property gifted by his father, but it came with strict rules. He wasn’t allowed to sell it; he could only modify it, live in it, or use it as a holiday home—not rent it out. The result? The property…

I recently had an intriguing conversation with ChatGPT that made me rethink conventional wisdom in wealth planning. We all know diversification is considered the cornerstone of modern financial planning. However, sometimes the most innovative solutions emerge when we challenge traditional approaches. During our chat, we explored a non-traditional strategy that addresses some critical gaps in stability, liquidity, and wealth transfer—areas that standard diversification might not fully cover. For those with the vision and means, such an approach could offer a fresh perspective on preserving and growing wealth. This conversation left me wondering: Would you consider incorporating a non-traditional strategy into…

Consider the typical age gap between generations—say, your father is 65, you’re 35, and your son is 5. With roughly a 30-year gap between each generation, when your father reaches 95, you’ll be 65 and your son 35. This pattern is common; as one generation nears its end, the next is stepping into retirement. Most people think about retirement as a personal milestone, but true estate planning considers retirement for every generation. When one generation passes, the next should have the financial stability to step into retirement seamlessly. In a sense, each generation’s exit becomes a jackpot that funds the…

Many of my clients love the stability of fixed deposits. They often tell me, “Sandeep, I want fixed deposits!” But we’ve all faced the same problem: fixed deposits simply don’t beat inflation. How can you secure guaranteed returns, liquidity, and consistency—like a fixed deposit—but also protect yourself against inflation? That’s exactly why whole life insurance was created. A Fixed Deposit That Beats Inflation At its core, a whole life insurance policy behaves much like a fixed deposit. It earns interest, and that interest keeps compounding over time. However, it goes a step further. When you pass away, the value of your policy…

It might sound harsh, but here’s an uncomfortable truth: money buys time. Studies show that if you’re among the top 10% of the wealth bracket, you’re likely to live nearly 14 years longer than someone in the bottom 10%. And it’s not just about enjoying luxury—it’s about survival. Money plays a critical role in how long and how well we live. Without financial resources, chronic illnesses go untreated, stress becomes overwhelming, and life’s inherent challenges can shorten one’s lifespan. But here’s an important twist: it’s not solely about being rich—it’s about being prepared. Whether you’re wealthy or not, having proper…

Executive Summary Insured Financing Arrangements (IFA) represent an innovative approach to asset structuring that enables high-net-worth individuals and businesses to acquire substantial life insurance protection without compromising immediate cash flow. By leveraging the cash value of a life insurance policy as collateral for financing, IFAs allow asset holders to maintain liquidity, optimize tax efficiency, and preserve wealth over time. This white paper examines the structure, benefits, risks, and strategic applications of IFAs, offering guidance for financial professionals and asset holders seeking to incorporate this strategy into their wealth management plans. 1. Introduction Life insurance is a cornerstone of comprehensive financial…

Have you ever wondered why Unit Linked Life Insurance (ULIP) exists? It might seem confusing at first—after all, it’s an investment product that’s tied to the stock market, yet it comes with a life insurance component. The key idea behind ULIPs is simple: to let you invest in the market while ensuring that the risk you take doesn’t burden your family if something happens to you. Investing in the Market Without Passing On Risk Imagine you want to invest a significant amount—say, 10 crore rupees—in the market. You believe that over the next 20 years, this amount could grow to 50…

In today’s ever-changing world, three key values can empower you to not only survive economic disruptions but also thrive and shape your future. By focusing on these principles, you can build a resilient foundation for personal and financial success. VALUE #1: CREATION At its core, creation is about turning your vision into reality. It’s not about mimicking others or copying models; it’s about discovering who you truly are, investing in your growth, and leveraging your unique abilities to generate value. Ask yourself: What do you want to create in the world? By embracing your creative potential, you can build something…