The 5-Phase Program
One disciplined path for every client — so nothing important is ever skipped, and every product has a reason to exist in your plan.
Five phases, one continuous cycle
The phases below are the working framework; final wording will be confirmed with Accord before launch.
Discover
A structured first conversation: family, income, existing investments, insurance, loans, and the goals behind them.
Plan
Every goal gets an instrument, a timeline and a monthly number — documented in a written plan you keep.
Protect
Term cover, health insurance and an emergency fund are sized and closed before wealth-building accelerates.
Invest
Execution across the NJ Wealth platform — mutual funds, fixed income, equity, and where suitable, PMS, AIF or GIFT City routes.
Review
Scheduled reviews re-test the plan against markets and life changes — new job, new child, new city.
Discipline is the product
Most portfolios don't fail from bad funds — they fail from missing insurance, forgotten goals and reviews that never happen. The Program exists to make those impossible to skip.
- Everything documented — you always know what you own and why.
- Protection before growth — no investing over an uninsured risk.
- Reviews on a calendar, not on memory.
- The same process whether you invest ₹5,000 a month or ₹5 crore.
Want the full-service version of this discipline?
The Financial Hygiene Program packages this process into MPrivilege (advisor-led) and FHF Lite (self-service).
Explore the Financial Hygiene Program