Estate Planning

Estate planning is the preparation of tasks that serve to manage an individual's asset base in the event of their incapacitation or death. The planning includes the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law.

Estate planning involves planning for how an individual’s assets will be preserved, managed, and distributed after death. It also takes into account the management of an individual’s properties and financial obligations in the event that they become incapacitated. Assets that could make up an individual’s estate include houses, cars, stocks, paintings, life insurance, pensions, and debt. Individuals have various reasons for planning an estate, such as preserving family wealth, providing for surviving spouse and children, funding children and/or grandchildren’s education, or leaving their legacy behind to a charitable cause.


The most basic step in estate planning involves writing a will.

Writing a Will: A will is a legal document created to provide instructions on how an individual’s property and custody of minor children, if any, should be handled after death. The individual expresses their wishes through the document and names a trustee or executor that they trust to fulfill the stated intentions. The will also indicates whether a trust should be created after death. Depending on the estate owner’s intentions, a trust can go into effect during their lifetime or after the death of the individual.


REVERSE MORTGAGE: An alternative source of retirement cashflow
Reverse Mortgage is the opposite of a regular home loan. In a Reverse Mortgage, a senior citizen mortgages his property to a lender (bank), which then makes periodic payments to the borrower so that borrower can meet his monthly expenses. During the loan tenure if one of the spouses dies, the other can continue to live in the house until the loan period is over. If however, the borrowers continue to live beyond loan period, they can stay in the house but will not receive monthly payments. Upon the death of both husband and wife, the Bank gives two options to their legal heirs –
(1) to settle the outstanding loan and retain the house, or
(2) the Bank will sell the house, use the proceeds to settle the outstanding loan amount and handover the balance amount to legal heirs.

Open your Life Time FREE Accont Now

What our happy client say about our Service

I know Mr. Bhaduri since 2016 and he has been taking care of my financial portfolio since then. I trust his suggestions and have immense faith in his vision. The mobile app is a wonderful dashboard for customers like us. Special thanks to Mr. Kishore who is extremely polite and well behaved and is never tired of providing solutions even if it is beyond his working hours.

Surajit Sarkar
Manager, Tata Steel

The new website and added features are very good . Gives clear picture and insight on portfolio.

Reetin Mitra

The website and the mobile application is very user friendly. Every minute details are very well demonstrated in graphical format which makes user to understand very quickly . Very proud and happy to be part of Finowlish who are always ready to help and guide. Thank you .

Prasant Kumar Mitra
Retired, BCCL

I am a retired Jailor residing in Ranchi. I would like to thank Mr. S.K. Bhaduri Director of Finowlish for his wonderful efforts in doing wealth management for me. I happened to know Mr. S.K. Bhaduri since the year 2000, when he used to guide people on their investments and insurance plans. In all these 13 years he advised me in a quite a numbers of occasions. He had always been such a helping hand for getting my finances in

Md. Shamsuddin
Retired Jailor, Ranchi, Jharkhand

I have invested my entire retirement fund through “Finowlish” about three years back. I am quite happy with the way they have handled my fund. They are sincere, provide various options to investors and also provide expert opinion for the investor to decide. They also provide good post-Investment services. I wish them more success in future".

Nirbhar Neogi
Retired, SAIL

Finowlish is the leading investment advisory house. In my transferable job investing in right products at the right time was very difficult for me. Shaibal Kumar Bhaduri and his dedicated and qualified team made investment joyous for me and helped me to earn good profits by their impeccable advisory services.

Hamid Akhtar
Jail Superintendent, Jharkhand Govt.

I would like to declare that I am satisfied with the guideline prepared by Shaibal Kr. Bhaduri Director of Finowlish and his Team for my financial planning. Comparing to other experts I am glad to say that his recommendation for investment to the selected fund are best at present. In my opinion this type of financial planning is essential and helpful for leading a peaceful life.

Shiva Shankar Mandal
Loco Pilot, Indian Railway

Questions? Get in Touch: +91 - 9973982548 askchiku@finowlish.com