Investment Planning & Wealth Management
Structured strategies to build and grow your wealth, planned around your goals, time horizon and risk considerations.
25× MDRT · 5× COT · 2× TOT
Your financial future deserves experience, strategy & trust.
With more than 25 years in the financial services industry, Mr. L. N. Sharma provides reliable, strategic and personalised financial solutions to individuals, families and businesses. Try the free calculators and see the numbers before you invest a rupee.
25+Years of expertise
15,000+Clients
₹150+ CrPortfolios managed
30+MDRT terms
What could a SIP become?
LiveMove the sliders. The result updates as you go.
Monthly investment
₹10,000
For how long
15 yrs
Expected return
12%
Estimated value
₹50,45,760
You invest₹18,00,000
Growth adds₹32,45,760
Financial solutions through India's leading institutions
SBIBajajLICAxis Max LifeHDFCShriram FinanceTata CapitalICICISUD LifeNotion BrokersTurtlemintDigitCare HealthKotak Securitiesand many more
Free · No sign-up · Works on mobile
Twenty calculators. One honest answer.
Most websites will tell you what a SIP returns. Very few will tell you what is left after tax and after inflation — or how that compares with the fixed deposit your bank is recommending. These do.
What we do
Financial planning designed around you
Every individual has different financial goals, responsibilities, aspirations and risk considerations. Our approach is built around personalised financial planning rather than a one-size-fits-all solution.
Mutual Funds
Goal-linked portfolios across equity, hybrid and debt funds. Started, reviewed and rebalanced with you — including SIP, STP and SWP.
Life, Health & General Insurance
Protection for your family, your health and your assets — term and life cover, health plans, and motor, home, travel and business insurance.
Pension & Retirement Planning
Pension plans, NPS and withdrawal strategies that keep paying after the salary stops.
Tax Planning
Section 80C, 80D and 80CCD used properly — and an honest answer on whether the old or new regime suits you.
Banking & Financial Services
Loans, deposits and banking solutions through India's leading banks and financial institutions, matched to your requirements.
Why clients stay
A legacy built on trust & industry experience
Years of working with India's leading financial institutions let Mr. Sharma see the financial landscape from multiple perspectives — and recommend solutions that are practical, customised and aligned with each client's individual requirements.
- You get the numbers firstEvery recommendation starts with a calculation you can see and question, not a brochure.
- Protection and investment stay separateInsurance is bought to insure. Investments are bought to grow. Mixing them is what makes both underperform.
- Tax is part of the plan, not an afterthoughtA 12% return taxed at 30% is not a 12% return. We plan for what you keep.
- Claims are handled personallyThe part nobody talks about until they need it. Paperwork, follow-up and settlement — handled.
30+ MDRT terms — 25× MDRT, 5× COT, 2× TOT
The Million Dollar Round Table is an internationally recognised association of leading financial services professionals; Court of the Table and Top of the Table are its higher tiers. More than 30 terms reflects consistent performance and a high standard of client service.
15,000+ clients · ₹150+ crore
Mr. Sharma has served more than 15,000 clients and has been entrusted with managing and advising on portfolios exceeding ₹150 crore — a measure of the confidence clients place in his long-term approach.
A recognition of consistent excellence
25×MDRT
5×Court of the Table
2×Top of the Table
15,000+Clients
In their words
What clients say
“
★★★★★
Mr. Sharma has handled my family's insurance and investments for over a decade. He explains every option in plain language and never pushes a product. That trust is why my father, my brother and I are all his clients.
AbhishekBhopal
“
★★★★★
I came to him confused between an FD and a mutual fund. He showed me the numbers side by side, including the tax, and let me decide for myself. My portfolio has been on track ever since.
AkashIndore
“
★★★★★
What I value most is that he picks up the phone. When my claim was being processed, he followed it through personally until the money was settled. You cannot buy that kind of service online.
NutanBhopal
Straight answers
Questions people actually ask
Are the calculators on this site accurate?
The maths is exact — SIP instalments are compounded at the start of each month, fixed deposits compound quarterly, PPF credits interest annually, and loans use a reducing balance. What cannot be exact is the future. Any figure you see is a projection built on the return rate you entered, not a promise.
What return rate should I assume for a mutual fund?
Over long periods, diversified equity funds in India have broadly averaged 11–13% a year, hybrid funds 9–11% and debt funds 6–8%. Those are averages across full market cycles, not what you will earn in any single year. For a plan you intend to act on, it is safer to assume a rate at the lower end.
Is a fixed deposit safer than a mutual fund?
A deposit is safer in nominal terms — the bank guarantees the amount. But after tax at your slab and after inflation, a 7% FD often returns close to nothing in real purchasing power. The Compare Investments tool shows both figures side by side so you can judge the trade-off rather than assume it.
What can we discuss in a consultation?
Investment planning, banking and financial services, mutual funds, tax planning, retirement planning and insurance solutions — including a review of the portfolio you already hold, and planning for goals in India or overseas. Share a convenient date and time and the team will coordinate with you.
Which areas do you serve?
Bhopal is home, and clients are spread across Madhya Pradesh, Gujarat, Chhattisgarh and Rajasthan. Reviews and paperwork can be handled over phone, WhatsApp and video call anywhere in India.
How do I get started?
Run whichever calculator fits your question, then press Discuss this plan. Your inputs and the result travel with the message, so the conversation starts with the numbers already on the table.
Experience matters
Your financial goals deserve more than a generic solution
Whether you want to invest wisely, protect your family, plan your taxes, build long-term wealth, secure your retirement or review your existing portfolio — let's understand your goals, evaluate your requirements and explore the financial solutions best suited to your future.