Personal Financial Planning
Your money.
Finally making sense.
Jargon-free, panic-free financial planning for young IT professionals.
Sound familiar?
Too many opinions
Fintech apps, Instagram experts, office colleagues. Everyone has advice. Nobody agrees.
No clarity despite a good salary
You earn well. But you don't really know where it goes — or if you're on track.
Scared to make the wrong call
One bad decision with hard-earned money feels catastrophic. So you delay.
Holistic planning. Every part of your financial life.
Budgeting & Cash Flow
Know exactly where every rupee goes — and where it should go.
Risk Assessment
Understand your real risk capacity before any investment decision.
Emergency Fund Planning
Your financial immune system. Sized right for your life.
Health Insurance Planning
Real coverage, right-sized. Not just the cheapest policy.
Term Insurance Planning
Protection for the people who depend on you. Explained simply.
Retirement Planning
A real number for retirement — and a plan to reach it.
Goal-Based Investing
SIPs mapped to a purpose — not just started and forgotten.
Periodic Portfolio Reviews
Stay on track as your life and markets evolve.
Ad-hoc Query Resolution
Someone to call when financial decisions can't wait.
The Process
A structured path, not a one-time transaction.
01
Discovery
Your full financial picture, honestly mapped.
02
Budgeting
Where every rupee goes, by design.
03
Risk Assessment
How much risk you can actually handle.
04
Emergency Fund
Your financial immune system, sized right.
05
Health Insurance
Real coverage, not just the cheapest option.
06
Term Insurance
Protection for the people who depend on you.
07
Retirement Planning
A real number — and a plan to reach it.
08
Goal Investing
SIP mapped to a specific purpose.
09
Portfolio Reviews
Stay on track as life evolves.
10
Ad-hoc Support
Someone to call when decisions can't wait.
Why TMOTRAC
Built on honesty. Delivered with clarity.
Chennai
Bangalore
100+
Clients Served
Rated 5.0 ★ on Google with 70+ reviews. Young IT professionals across India.
100%
Full Transparency
You will always know what I earn from any product I recommend. Always.
PlanFirst
Your Plan, Not a Product
I look at your full financial picture first. Products come later — if at all.
Client Stories
What clients say.
Real reviews from Google — unedited, unprompted.
Clients from KPMG · Microsoft · Walmart · Google · JP Morgan · Morgan Stanley · Deloitte · Oracle · Caterpillar · KLA+ · Everstage · CypherD and more
“Akileshvar took the time to analyze my financial background and then provided recommendations that aligned with my financial goals. He clearly explained the importance of both investment and the need for an emergency fund. I highly recommend him to anyone looking to secure their financial future.”
Harini S.
Analyst, KPMG
“I'm already into mutual funds and the stock market for a long time, but I still had the initial session with Akil. The conversation was very friendly and helped me fill the gaps in my core understanding of why I'm doing it. I'm sure Akil will help bring financial clarity to a lot of people.”
Argon
Software Engineer, Microsoft
“Akileshvar has got deep knowledge of the financial market and has helped me make smart investment decisions. He understands my financial goals and risk appetite and suggests options catering to my specific needs. Highly recommend his services to secure your financial future.”
Meera S.
Engineer, Walmart
“Akilesh made sure I feel comfortable with all the jargon related to investments and also helped me streamline my thoughts. His advice was based on my personal goals. Very down to earth and will get all your questions answered promptly. Highly recommended.”
Midun R.
Developer & Tech Enthusiast
“Akileshwar made a positive impact in my personal finance journey by educating, setting goals, and guiding me through the right path. I would recommend TMOTRAC to anyone looking to start their personal finance journey or anything investment-related.”
Jeivardan
Software Engineer, KLA+
“Be a noob or a pro, doesn't matter. Their professional approach towards dealing with finances is done to perfection. Money is a sensitive subject — but Akilesh excels at being not just a perfect guide, but also at the follow-up.”
Sree Manoj
Radiologist
From the blog
Why Your Emergency Fund Is Not Optional
Most people skip the emergency fund. Here's why that's the most expensive mistake you'll make.
SIP 101: How Your Money Grows While You Sleep
A simple breakdown of how SIPs work, with an interactive calculator to see your own numbers.
How Uncertainty Could Hit Us
A road accident, a six-figure hospital bill, and what it taught me about emergency funds, health insurance, and financial preparedness.
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