Financial Freedom is not merely about earning more or owning more investments. It begins by understanding your current financial position in measurable terms. 

As a CFFG - Certified Financial Freedom Guide, Raajeish Agrawal uses a structured Financial Freedom Assessment to help families understand their financial strengths, gaps and priorities.

STEP 1 - Financial Health Ratio Analysis

The assessment may examine important financial indicators such as:

Saving Ratio = Total Annual Investment / Total Annual Income
Emergency Fund Position - how long essential expenses and financial commitments can be managed from readily available reserves
Liquidity Ratio - adequacy of liquid financial assets for unexpected requirements
Debt-to-Asset Ratio = Total Liabilities / Total Assets
Locked vs Liquid Asset Analysis - balance between accessible and long-term resources
Health Insurance Adequacy - whether a major medical event could disturb assets intended for other goals

 

STEP 2 - Present Corpus Analysis

Required Present Corpus is compared with Existing Present Corpus to arrive at an indicative Present Corpus Gap.

 

STEP 3 - “Not-to-Work” Corpus Analysis

An important Financial Freedom question is: If earned income stopped, what corpus may be required to support the family`s lifestyle?

Existing investments
Liquid assets
Provident Fund, where applicable
Expected maturity proceeds
Other appropriate financial resources
Indicative Not-to-Work Corpus Gap

 

STEP 4 - Multiple Financial Freedom Scenarios

Financial independence may be viewed through different levels of expense coverage. Illustrative scenarios can be calculated

around different proportions of current living expenses. The purpose is to show how financial strength changes as assets become

capable of supporting a greater part of the family`s lifestyle.

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STEP 5 - Future Goal Gap Analysis

Depending upon the family`s circumstances, future responsibilities may be estimated using current cost, inflation assumptions, time horizon and existing earmarked resources.

Children`s Education

Children`s Marriage

Retirement
Other significant family goals

STEP 6 - Total Financial Freedom Gap

Total Required Corpus less Existing / Expected Corpus equals the Indicative Financial Freedom Gap.

STEP 7 - Structured Financial Freedom Roadmap

Once gaps are understood, priorities can be organised around:

Cash-Flow Discipline
Emergency Preparedness
Risk Protection
Debt Management
Liquidity
Goal Preparation
Financial Independence

 

Our Process

PROCESS

Assess -> Calculate -> Identify Gaps -> Prioritise -> Act -> Review

The purpose is not merely to produce a report. It is to help a family understand: Where am I today? What financial gaps exist?

Which areas deserve priority? What can I progressively do about them?