Life goals
What are you planning for?
Goal-based financial advice
We help individuals and families make clearer decisions about money, goals and the years ahead.
Manoj Thankamma Sasidharan
SEBI Reg. No. INA200017077
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Services
Advice built around your financial life.
The work begins with your goals, responsibilities and financial situation. As a service-led advisory practice, Phren uses this understanding to provide advice and decisions that fit your circumstances.
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Advice for a specific need
Phren can help with a defined need, such as an investment decision or debt restructuring. The scope is agreed around that need.
2
Goal-based financial planning
Start with what your money needs to do.
Phren brings your priorities — education, retirement, insurance, debt, liquidity and long-term wealth — into one view and helps you plan towards the outcomes you want.
What we look at
Time horizons
When will you need the money?
Risk and capacity
What level of uncertainty can you take?
Liquidity and protection
What needs to stay accessible or protected?
Credit health
How does borrowing fit into the bigger picture?
Why Phren
A quieter way to make important financial decisions.
Financial advice doesn't have to begin with a product, a return target or a complicated spreadsheet. It can begin with a conversation about your life.
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Your money, your control.
You stay in charge.
Phren provides advice. You remain in control of your money, accounts and decisions. We advise; we don't take control of your assets.
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Goals before returns.
Start with what your money needs to do.
Returns matter, but they aren't the whole picture. We consider your goals, timelines, responsibilities, liquidity and ability to take risk.
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Advice is the service.
You pay for guidance, not products.
Phren is paid by clients for advisory services and does not earn commissions for recommending financial products. The service is the advice.
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Reviewed, not set once.
Your financial plan should be able to change with your life.
Life changes, and your financial plan should change with it. We review your advice as your priorities, responsibilities and circumstances evolve.
Explore the principles
Contact
Start with a considered conversation.
Have a question or want to understand whether Phren may be relevant to your situation? Send us a message and the team will get back to you.
You don't need to have a financial plan already. And you don't need to provide detailed financial information just to start a conversation.