About the Expert
Meet Hari Om Tripathi
An Engineer by Chance, a Certified Financial Planner by Choice.
Welcome to Financial Kundali. I am Hari Om Tripathi, a Kanpur-based Certified Financial Planner (CFP) and full-time financial blogger. My mission is simple: to bridge the gap between what financial products you are sold and what you actually need.
The Turning Point: Why I Chose This Path
It all began in early 2010 while I was pursuing my MBA in Wealth Management. An insurance agent approached me with a policy pitch. While he could confidently explain the standard features, he struggled to answer a few fundamental, critical questions:
What is the actual, net rate of interest on this investment?
Why would a person with zero liabilities even need this specific policy?
Why choose this when an online term insurance plan is available at a fraction of the cost?
Leaving those questions unanswered, I walked away from the deal and began my own research. I approached several other agents from different companies, only to find the same frustrating pattern: their sole priority was closing a sale, not assessing my needs.
Realizing that mis-selling was rampant in the financial industry, I decided to dive deep into the fine print myself. That eye-opening experience inspired me to start writing and blogging—to demystify personal finance and protect everyday investors from making costly mistakes.
Credentials & Expertise
To ensure that my advice is backed by the highest standards of financial education, I went on to secure professional certifications from theFinancial Planning Standards Board (FPSB) in:
Retirement Planning
Investment Planning
Insurance Planning
Tax Planning
Additionally, to deepen my expertise in market-linked and risk-protection products, I completed specialized certification courses from:
Association of Mutual Funds in India (AMFI)
Insurance Regulatory & Development Authority of India (IRDAI)
How We Can Help You
At Financial Kundali, we do not sell products; we provide clarity. We look at your financial universe objectively to ensure you invest with complete confidence.
Turn to us when you need unbiased, expert guidance on:
Mutual Funds & ULIPs: Selecting the right wealth-creation tools based on your risk profile.
Life & Term Insurance: Choosing the optimal coverage to secure your family's future cost-effectively.
Policy Audits: Deciding whether to keep, surrender, or restructure your existing insurance policies.
Comprehensive Planning: Aligning your tax, retirement, and investment goals into a single, cohesive roadmap.
Our Promise: We will always be on your side, helping you choose exactly what is best for you and your family.
