What is Financial Freedom?


Financial Freedom does not mean that you must be rich and have lots of money. It simply means that you do not have to worry about money in your life. From your day-to-day expenses to your major life goals, you have got it all covered.

Hema Pratik Thakker is a Chartered Accountant with over 13 years of rich and diverse experience in the field of finance. Having been associated with Deloitte – one of the largest audit firms in India – for over 6 years.Hema has had a chance to work with some of the biggest names in the Indian corporate sector. Learnings from a strong corporate experience coupled with her interests and skills in the area of Financial Planning, is what persuaded Hema to take the entrepreneurial leap in 2016. Thus, APT Consultants was born.

What are you looking For?


  • Financial planning provides direction and meaning to your financial decisions. It makes sure that you have invested in a manner that you have the right amount of money you need at the right time. Thus, a proper planning makes you feel secure about achieving your life goals.

  • While there are research articles and other material available today that may help you do your own financial planning, it is best that you approach a Financial Planner because:

    • You may not have the necessary expertise in certain areas of Finances. For example: What is the risk associated with a particular investment product. What is the quality of stocks a particular Fund has invested in etc.

    • You do not have the time to spare time for planning your finances.

  • A Financial Planner works for his or her client. Investment products are chosen keeping in mind the client’s goals and risk appetite. An Investment Agent works primarily for the companies whose products they are selling, and hence may not have the client’s best interest in mind.

  • A Planner offers a broader spectrum of services. Apart from wisely investing his or her client’s money, a Planner also helps the client to optimize his or her savings by helping them put a budget in place for expenses. Thus, a Financial Planner provides an end-to-end service when it comes to planning one’s Finances.

  • Financial Planning is a lifelong process. Your goals may tend to change over a period of time. Then there are events like inflation, interest rates, stock markets that are not within one’s control. All these changes may require a realignment of your financial plan. Hence, a planner periodically reviews your plan so that you always remain on track to achieve your goals.

  • Consider a visit to your doctor. Without complete and accurate details, your doctor cannot prescribe the best course of action. A Financial Planner is your Financial Doctor. He cannot provide you with a robust Financial Plan unless he has all the details regarding you existing and planned finances. Typical information required includes your existing investments, number of dependents, goals and objectives, your risk appetite, income and expenditure details, savings, etc.

  • It is never too early to plan your finances and it is never too late as well. Financial Planning can be done no matter what your age is. If you are retired, you may have received a lumpsum amount towards your retiral benefits like PF and Pension. This amount needs to be invested in a way that it not only gives you good returns but also provides you with a stable cashflow to meet you monthly expenses.

  • Yes, absolutely. The most basic principle of Financial Planning is ‘Earlier the better’. This is because, earlier you start saving towards a particular goal, lesser you need to save every month. Also, longer your money remains invested, more opportunity it gets to grow (compounding of returns).

  • Absolutely not. You can start with whatever small amount that you are able to save. Key thing is starting as early as possible. You may start small, and steadily increase your savings as your income rises. Please remember, even small savings can result into a significant amount if kept for a longer period.