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About The Author

Hi My name is Hari Om Tripathi. I am an engineer by chance 😉 & a Personal Financial Planner by choice 🙂 . Residing in Kanpur & blogging full time for Financial Kundali.

It all began in early 2010 when I was pursuing my M.B.A. in Finance. A Life Insurance agent came to our home & pitched a policy. The agent told me the in & out of the policy but was not able to answer my few simple questions like:

# What is the actual rate of interest

# Why a person with zero liabilities would need this policy

# Why to go for a policy when we can buy an online insurance plan at much cheaper rate & there were many unanswered questions.


I was totally confused. The idea of buying the policy was dropped & I began my research. I approached few more agents of some other life insurance companies but none were able to answer my questions & their main concern was to sell their product. Finally, i decided to read the fine prints of the policy & understand how it works.


Mis-selling by agents is so common these days. Seeing the huge disconnect between what people need & what agents sell, I decided to bridge the gap and started writing a blog on various financial products. During this tenure I completed my certifications from Financial Planning Standards Board of India in:

# Retirement Planning

# Tax Planning

# Insurance Planning

# Investment Planning.


To further enhance my knowledge in Mutual Fund & Insurance Products, i completed certification courses from:

# Association of Mutual Funds in India (AMFI)

# Insurance Regulatory & Development Authority (IRDA)


In case you have any query about Personal Financial Planning such a buying a MF or ULIP, going for a life insurance plan or a term plan, to surrender your policy or not or any other question related to your Personal Financial Planning, write to me at financialkundali@gmail.com

We at Financial Kundali will help you choose what’s best for you. We will always be on your side while selecting a Financial Product.

Happy Investing 🙂


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