Employees don't only leave for better salaries. Many leave because their pay has no structure.
A practitioner-led financial wellness program for Indian companies — helping employees understand salary, tax, EMI, ESOPs, insurance, retirement and wealth decisions with clarity, not product-selling.
Led by Abhishek Aggarwal, CFP — 15+ years in markets, 500+ sessions delivered, zero product bias.
For HR · L&D · BFSI · IT · Pharma · Manufacturing · Founder-led Teams
"Financial wellness is not motivation. It is salary clarity."
Your employees earn. But many still don't feel financially secure.
Most corporate wellness programs focus on health, motivation or productivity. But one silent stressor sits inside every salary cycle — unclear money decisions.
Salary comes in, but planning does not.
Tax-saving happens in panic, not strategy.
EMIs quietly control career choices.
ESOPs, NPS, EPFO and insurance stay misunderstood.
From salary confusion to financial confidence.
Decode
Salary structure, tax, CTC, benefits, deductions and real take-home clarity.
Decide
Insurance, emergency fund, EMI load, SIPs, NPS, EPFO, PPF, ESOPs and goal planning.
Discipline
Simple money systems employees can follow — without tips, panic or product pitches.
This is education-first. No product distribution. No commission-led agenda. No generic motivational lecture.
Built around the financial questions employees actually ask.
Salary-to-Wealth Clarity
CTC, take-home, benefits, deductions and monthly surplus decoded in simple language.
Tax-Smart Planning
Old vs new regime, 80C decisions, HRA, deductions and last-minute tax mistakes.
EMI & Debt Discipline
Home, car, credit-card, BNPL and personal loans — and the hidden cost of over-commitment.
Insurance & Emergency Fund
Term cover, health cover, emergency corpus, and why random policies create false comfort.
Retirement & Long-Term Wealth
NPS, EPFO, PPF, SIP discipline, asset allocation and compounding — explained practically.
ESOPs & Wealth Events
Vesting, taxation, liquidity, concentration risk and how to think about ESOP wealth.
Rent, Buy & Home Loans
Rent-vs-buy maths, home-loan structuring and prepayment — the biggest call most employees make.
Bonus, Increments & Windfalls
Deploying variable pay, appraisals and one-time windfalls without lifestyle inflation eating the gains.
For teams where money stress affects focus, retention and decisions.
- IT & technology companies
- BFSI and wealth firms
- Pharma and manufacturing teams
- Startups with ESOP-heavy compensation
- CXO & senior leadership cohorts
- Sales teams with variable pay
- Young employees receiving their first meaningful salaries
This is not a tax-saving seminar. It is a financial decision-making program for employees who need clarity before advice.
Flexible formats for HR and L&D calendars.
75–90 Minute Expert Session
Best for awareness, salary clarity and tax-season education.
Half-Day Corporate Workshop
Best for deeper employee financial planning and practical exercises.
3-Session Financial Wellness Series
Structured learning across salary, tax, wealth and retirement.
Confidential 1-on-1 Counselling
Optional private clarity for employees who need it — without judgment.
Taught by a practitioner, not a product seller.
I bring 15+ years of market experience, a live investment portfolio, CFP certification and 500+ institutional sessions into the room. This isn't textbook theory — it's built from real conversations with employees, HNI families, founders and wealth teams.
- CFP professional with market experience since 2008
- Founder & CEO, Grivaa Capital
- 500+ sessions across institutional and corporate audiences
- ₹10Cr+ personal capital deployed across Indian equities, US stocks, PMS & alternatives
- Zero product distribution bias
- Experience across tax, wealth structuring, behavioural finance and employee money decisions
Most people don't need another product. They need a better money framework.
Clearer employees. Better decisions. Less financial noise.
- 01
Employees understand salary and tax decisions better.
- 02
Panic-driven tax-saving reduces.
- 03
EMI and debt decisions become more conscious.
- 04
Retirement and insurance conversations become practical.
- 05
HR gets a credible, premium financial wellness intervention — without product-selling risk.
The goal is not to make employees financial experts.
The goal is to make them financially clearer.
Want to bring financial clarity to your team?
Share your employee profile, batch size and preferred format. I'll suggest the most suitable corporate financial wellness structure.
For HR, L&D, founders and leadership teams only. Program pricing is shared after understanding the batch size, format and customization required.