Build lasting wealth with disciplined, goal-based investing.
Most people collect financial products over the years — an insurance policy here, a mutual fund there, a stock tip from a colleague. Few ever step back and ask: does this actually add up to a plan?
At Labhanshh, that question comes first. Manish Joshi has spent 17+ years helping Pune families answer it — connecting every rupee to a real goal, not a random product.
Every rupee is tied to a real milestone — your retirement, your child's future, your legacy — across mutual funds, PMS & AIF, insurance, and estate planning, reviewed with you at every step.
No cost, no obligation.
Manish Joshi
Certified Financial Goal Planner
Founder, Labhanshh Financial Services
17+ years guiding Pune families — every relationship led personally, every rupee tied to a goal.
More about Manish JoshiEvery financial need, one trusted advisor
From your first SIP to passing on a legacy — handled with goal-based, transparent advice.
Portfolios built around your goals, not products
We construct a diversified mix across equity, debt and gold — sized to your goals, time horizon and comfort with risk — then review and rebalance it with you over time.
- Goal-based asset allocation, reviewed annually
- Low-noise, long-term, disciplined investing
- Transparent reporting you actually understand
Sample balanced allocation
Illustrative — your plan is personalised.
- Equity58%
- Debt28%
- Gold14%
A simple, four-step journey
Clear, repeatable and built around you.
Understand
We start by listening — your goals, your family, your comfort with risk and your current finances.
Plan
We build a written, goal-based plan that connects every investment to a milestone with a timeline.
Implement
We put the plan to work across the right mix of funds, insurance and structures — simply and transparently.
Review
We meet regularly to track progress, rebalance and adapt as markets and your life evolve.
Why families stay with us for decades
Goal-Based, Always
Every fund, every policy, every structure exists to serve a specific goal on your timeline — never the other way around.
One Coordinated Relationship
Mutual funds, PMS & AIF, fixed income, direct equity, insurance, tax and estate planning — under a single advisor who sees the whole picture.
Transparency Over Persuasion
You'll always understand why something is recommended, what it costs, and what alternatives exist. Advice first, products later.
Built for the Long Term
We measure success in decades and generations — not in a single transaction or a single market cycle.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Insurance is the subject matter of solicitation. Labhanshh Financial Services acts as a distributor of financial products; this content is for information only and is not investment advice.
Insights to invest smarter
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Read moreWhy Starting Your SIP Early Changes Everything
The single biggest lever in wealth creation isn't picking the perfect fund — it's time in the market.
Read moreReal families, real outcomes
Relationships built on trust, discipline and results.
“Separated my personal wealth from business risk and set up a tax-efficient portfolio.”
“Simple, honest advice with zero jargon. My retirement plan is now automated and stress-free.”
“Manish helped us start SIPs and a clear home-buying plan. We finally feel in control of our money.”
“Separated my personal wealth from business risk and set up a tax-efficient portfolio.”
“Simple, honest advice with zero jargon. My retirement plan is now automated and stress-free.”
“Manish helped us start SIPs and a clear home-buying plan. We finally feel in control of our money.”
Tailored advice for every stage of life
Business Owners
Separate business and personal wealth, plan for liquidity events, and build a corpus that isn't tied to your business.
Professionals
Doctors, engineers, consultants and salaried professionals building wealth systematically alongside a busy career.
NRIs
Invest in India's growth story with the right accounts, compliance and repatriation guidance from afar.
Retirees
Turn your corpus into a steady, tax-efficient income that lasts — without taking on more risk than you should.
HNI Families
Coordinated wealth, tax and succession planning across generations through PMS, AIF and bespoke structures.
Young Investors
Just started earning? Build the habit early — automated SIPs, the right first funds, and decades of compounding on your side.
Corporate Executives
RSUs, ESOPs and a demanding job — we diversify concentrated stock, manage the tax, and turn your package into lasting wealth.
Startup Founders
Most of your wealth is illiquid and in one company. We build a liquid safety net and a plan for the day you exit.
Women Investors
Financial independence on your terms — clear, jargon-free advice and a plan you fully own, at every life stage.
Book Your Free Financial Review
Spend 30 minutes with Manish Joshi to understand exactly where you stand — and what your money could be doing for you. Advice first. Products later. Always.
- A clear picture of your current finances
- Goal-based recommendations you can act on
- Zero pressure — advice first, products later
Get started in 30 seconds
Tap below, share a few details, and Manish Joshi's team will call you back within one working day. No cost, no obligation.