About Madhupam Krishna

I won’t lie that I had a “smart financial expert” upbringing or was very passionate about finance from my childhood. Neither did I have a “Rich Dad” to tell me how not to be a “Poor Dead” in the future. Nor have I lived in the company of some great financial gurus. Although I was born into a Rajasthani family, the Marwari traditions of managing money do find traces in my blood. I was new and raw to this world where billions change hands every day.

It was in 2000 and I had just started my first job at a financial advisory company on Rs 1000/- pm salary, driving from one end of the city to another on my father’s scooter (the Chetak). I knew a sales job meant traveling long distances in a short time. I had just left the campus-placed job in the brand management area (of electronic goods), and a salary of Rs 11000/-.

My salary of Rs 1000 continued for the next 11 months before the firm I was working for, absorbed me as a regular employee. So, the first investment I consider having made is Rs 10000 for 11 months. The salary I ignored, just to be in the industry I was & am passionate about.

So this is how my journey started…

I witnessed…

For the next 14 years, I worked in various jobs in the financial industry, I was privileged to see the 3-dimensional image of the financial world. In the real or 2D world you see only two aspects of a financial product and these are- you have a need and someone, usually a middleman, an agent or a financial planner. He caters to that need.

You have savings and needs regarding safety, return expectations, time of investment, etc… The advisor takes into consideration of your requirements and selects the best product for you… not the solution.

In the third dimension, Savings and Need exist but advice gets contaminated because of the third dimension called greed gets added. Yes- the advice is biased or there is an absence of honest advisory. The poor investor becomes the scapegoat and his concerns are sacrificed.

Not all is pessimistic.

There are good stories too…

I have seen advisors turning down offers that will bias their advice. I have seen financial planners turning someone’s life. Goals being fulfilled, prosperity, clients turning wealthy and stress-free. I have seen an advisor going the extra mile and even at the risk of spoiling his cash flow and relation, he stops investors from committing a blunder.

It’s a huge sea… where sharks and dolphins swim together.

Moral of the story…

If you know pros and cons of a thing it’s your responsibility to educate & practice. The gap in the financial advisory is wide because investors are not informed. They do not know what they are subscribing to… they do not hire right people and above all they do not ask right questions.

Here comes the importance of Knowledge. Investors do not need to be an expert in finance but he should have the conventional wisdom to know what’s wrong and what’s right. He should be smart enough to know when he is taken for a ride.

And… that’s what I do … I educate, I plan & execute financial solutions.

When I know something I want to spread it, make people aware so that no more financial lives are sacrificed and no more scapegoats.

This blog thewealthwisher is my way of imparting my experience of the financial world, sharing insights, gaining the wisdom and exposing the truths… yes, the dark ones too.

Role of thewealthwisher.com

• Make you responsible and sensible because it’s your money… the buck starts here and everyone is hawking on it.
• Enabler- Will make you make decisions and own them. Because your decision would be based on thorough research.
• Have patience… be disciplined…let go of things… be stress-free may be theories but will have an important place in your financial life…
• Bursting myths, decoding jargon, and exposing unhealthy practices of- Investors, Advisors, and Companies engaged in selling personal financial products.
• Sharing success stories, enablers, knowledge initiatives and innovations of- Investors, Advisors and Companies engaged in selling personal financial products.
• Provide solutions – embedded in a form that improves client’s financial life & overall prosperity.

It’s a long journey ahead and I welcome you as my companion… as you surf various pages of thewealthwisher.com

With Warm Regards

Madhupam

Connect with me on Linkedin or mail me at madhupam@thewealthwisher.com

Want to see my professional side? I suggest LinkedIn. Want to know About Madhupam Krishna personal side? Want to see my work & family? Facebook OR

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The Wealth Wisher blog was founded by Radhey Sharma – I started managing it in 2015. I thank him from the bottom of my heart for trusting me to take his creation ahead.