Sonam Uttamchandani Nanwani

Friends, One year ago today, my financial planning and wealth management company, AnCap Financial, officially started accepting new clients. I’m happy to report that it’s been an exceptionally exciting and successful first year of operation. Currently, I am only 15 clients away from my maximum client goal, at which point I will become a referral only practice for the foreseeable future. With the proximity of this target in mind, I wanted to share more about what I do, and who I serve. I provide comprehensive financial planning and wealth management services to business owners and retirees for a flat-fee. Unlike most advisors, investments, while an important part of what I do, are a relatively insignificant part of my service model. Instead, I choose to focus on adding value to every part of my client’s financial circumstances including insurance, estate, investment, retirement, and especially tax planning. Because I handle so much, they can spend more time focusing on what they love – their families, businesses, and careers. In addition to my services being all-encompassing, my fee model is also relatively unique within my industry (by design) and could save you a significant amount relative to what you might be paying someone else. I am currently accepting individuals and families with the following circumstances as full-time clients: - Business owners with an annual household income greater than $400,000 - Current and aspiring retirees with $1M+ in investable assets Some examples of the kind of work I do for my clients can be found below. The first link is a sample plan for retirees, and the second link is a sample plan for business owners. Fans of the TV show, The Office, might get a kick out of these. Retiree Financial Plan Example - https://lnkd.in/g_bGynXH Business Owner Financial Plan Example - https://lnkd.in/gDmYzUAQ And these deliverables are just the tip of the iceberg. Besides building a roadmap (which is what you see here), my clients hire me to execute on everything by coordinating with the other professionals in their life (and making introductions when appropriate), correcting course when things become misaligned, monitoring progress, and proactively communicating every step of the way. If you’re looking for a knowledgeable and driven financial professional who will help you build wealth, save taxes, and free up your invaluable mental and emotional energy, then I encourage you to reach out and meet with me. In 30-60 minutes, I promise that I will make it worth your while. I encourage you to check out my website as well, especially the "How We're Different" section and my world famous blog. https://lnkd.in/g7PG_BiZ Thanks for reading!

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U Turn: This morning, as I was driving to work, I noticed a U-turn ahead. It stretched across the road, and it reminded me of my own life’s U-turn—a journey that took me from a 17-year corporate career into the world of teaching. When I first began my career, I embraced the corporate path eagerly. I loved the energy of big companies, the thrill of new projects, and the satisfaction of advancing in my role. Year after year, I climbed the ladder, taking on greater responsibilities and achieving things I once only dreamed of. But, somewhere along that path, I found myself wanting more. I wanted not only to succeed but to feel a true purpose behind my work. The idea of taking a U-turn wasn’t easy. I was at a point where I could continue moving forward, but something deep down pulled me in a different direction. Teaching had always been a curiosity of mine, but moving into it full-time after so many years in a structured, corporate environment felt like stepping into the unknown. It’s funny how life’s U-turns work. Sometimes they come suddenly, like a sharp bend you weren’t expecting, and other times, they’re long and gradual, like this one on the road today. My transition was gradual—testing the waters, training others, seeing my potential as an educator. And then one day, I took that U-turn fully, leaving behind the corporate suits and desks for classrooms, whiteboards, and the eager faces of students. Looking back, I realize that this U-turn was a gift. It led me to discover new passions, find more satisfaction in my daily work, and give back to others in a way I never anticipated. Today, as I teach, I bring with me the lessons from my corporate journey, guiding students not just in theory but with real-world insights. Yet, U-turns can be challenging too. They ask you to leave behind familiar paths, and they don’t come with a map. There were times I questioned myself, wondered if I’d made a wrong turn. But each day in the classroom affirmed my decision, proving that sometimes, U-turns take you exactly where you need to go. So, as I look at that U-turn on the road today, I feel grateful. My journey taught me that sometimes, the best way forward is to take a step back, change direction, and follow where purpose and passion lead you.

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"It is thrifty to prepare today for the wants of tomorrow." – Aesop When it comes to personal finance, planning ahead is crucial. Setting aside savings, creating an emergency fund, or investing in retirement are all actions that will benefit you in the future. Just as Aesop says, preparing today secures your tomorrow. Whether you're starting with small savings or long-term investment plans, every step you take now helps you build a stable financial future. Are you preparing for your financial tomorrow? #FinancialPlanning #SmartMoneyMoves #FinancialSecurity #FutureGoals #WealthManagement

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Driving financial literacy has always been a personal mission of mine and together with my team at Endowus, we’ve continued to prioritise investor education through different platforms. Our goal is always to help anyone to manage their finances effectively, enabling them to invest better to live better. I had the privilege to be on a panel about empowering women through accessible financial education with inspiring leaders, Sylvie Gleises from AXA XL and Tanya Rolfe, with great moderating from Nicole Lim from The Edge Singapore at the #WomensForum Singapore! We know for a fact that women’s wealth journeys are uniquely shaped by factors such as 🏡 career breaks due to family commitments, 💸 persistent gender pay gaps, 👵 a longer lifespan that means needing more of a nest egg in their golden years. Critically, many studies have shown that women generally feel less equipped than men when planning for their own retirement, and are less confident when investing due to perceived complexities.This is a gap that we must close, and it undeniably begins with education and building financial literacy. 💪 After all, despite the disparity in confidence between genders, women have displayed characteristics that enable them to reap the rewards of investing — the discipline to take appropriate risks and a lower propensity to be swayed by market movements. When equipped with proper education and knowledge, it’s clear that women are more than capable of managing their money. Unfortunately here in Asia, we’ve observed that financial literacy usually isn’t a top priority in schools or at home. And yet these are the best times and places to cultivate values and habits of saving, budgeting, and of course, investing earlier.  At #Endowus, we are committed to providing everyone with the tools they need to achieve their long-term financial goals, such as offering #finlit content via various channels. Our #EndowusEmpower initiative also helps connect like-minded individuals, allowing them to share investment journeys and tips with each other. Endowus has one of the highest number of female clients among financial service companies with more than 40% of Endowus clients being female! We definitely still have a long journey ahead of us, but together with industry partners and peers, we will continue to empower everyone to make better informed investment decisions and take control of their finances. #WomeninFinance #PersonalFinance #Empower #InvestBetter

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This afternoon, I attended an insightful workshop organized by Aepa, where Stephen Chew led the session. It's common knowledge that creating a Will is crucial, but did you know that's just the tip of the iceberg? The key lies in crafting the right content. Is a Will alone enough for you? Why do people opt for Trusts? How many types of Trusts exist? Should you consider a Will, a Trust, or both? What do they protect? As Estate Planners, we delve into intricate details to offer comprehensive solutions to our clients. There's a lot to consider in Estate Planning to ensure a well-rounded approach. If you require guidance in this area, feel free to reach out. Ping me for more info. #estateplanning #will #Trust #charitablegiving #wealthplanning

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Am I now one of your top 20 clients? Every time we review his portfolio, my childhood friend, who is now also a client, eagerly asks me this question. It’s become a running joke between us, but manifestations works! Everything changed in January 2023 when he moved to Singapore. The new environment brought new opportunities, and he quickly realized he was able to save much more. One day, during our routine portfolio review, he set a new target: to be on Brew Wealth's top 20 clients list within the next year. But what does it mean to be on this list? At Brew Wealth, our top 20 clients are those who have shown remarkable growth in their investments, consistently achieved their financial milestones, and actively engaged in our strategic planning sessions. So yeah! He is now very close to that! Just like Keshav Kriplani , if you want to save a lot more for your financial goals, Brew Wealth can help you in setting up the standards. Let’s get on a consultation call to see where are you stuck at? Meeting link is in comment box Till then stay tuned with Sudhir Mulchandani and Brew Wealth for such more updates! #InvestmentGrowth #FinancialPlanning #WealthManagement #ClientSuccess

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376.19% Profit - Diani🏝️📍Napkin Ideas, I recently had a conversation with friends of mine about the business ideation process and as a result, an actual business was born of it. Now, they deal in Real Estate in line of buying land, subdividing, value addition then reselling. Value addition either by building BnBs on the land or resorts and filling them up the first round for the client to now start off on a strong foot. However, I was concerned with additional ways we could scale the business now that most of the real estate companies around the East African region are doing exactly the same thing. The good thing is, whatever we discussed has been implement elsewhere, just in small scales and not really pronounced but again, it would be a wonderful scene to see people making outrageous profits while protecting the environment at the same time. Kindly zoom in on the napkin and see how profitable commercial tree planting can be. What we do need to discuss with you however is, how do we guarantee the market for harvested trees? How are the margins when talking about other varieties, like, fruit trees? Most importantly, when do we start? I started this week. Do you wanna join?😊😊 #CarbonCredits #TreePlanting #MakingMoney #GlobalWarming. SAVE & SHARE POST FOR FUTURE REFERENCE

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What does a founder need to know when it comes to governance rights in fundraising? Our VP of Legal Vanessa Teo with Tom Jokelson, Felicia Tan, and Kelvin Goh co-authored an industry insight article on governance rights covering the key aspects and considerations of governance rights that every founder should be aware of when raising funds. This article also presents the Venture Capital Investment Model Agreements 2.0 (VIMA 2.0) position on governance rights that offers a balanced framework on governance rights, taking into account the interest of both founders and investors, and reflecting industry norms. We hope that this provides insight and better equips founders in term sheet negotiations in any capital raising transactions. Click here to read more: https://lnkd.in/gYjF-yA6 #activeintelligence #fundraising

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While we need a diversified portfolio to build a resilient retirement plan, but it is good to see how we can allocate more monies to certain strategies when the time comes. A good asset allocation may boost your retirement plan. #assetallocation #wealthmanagement #unittrustfunds #unittrust #investments

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Hello Nirbhay Handa! :) Zat Astha from The Peak Singapore and I discussed Multipolitan and your entrepreneurial spirit on R.I.C.H for MONEY FM 89.3 We’re excited about the traditional notion of belonging being challenged. All the best and keep thriving! Here’s the podcast:

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As family dynamics grow and wealth evolves, a family office might be the game-changer. Anshul Chhawsaria, who leads Strategic Partnerships at Aikya Connect captures the key indicators for when it’s time to consider one—and why Aikya Connect is here to support families at every stage of their journey. #AikyaConnect #FamilyOffices #LegacyPlanning #FamilyBusiness

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In my experience conducting health analyses for companies in Malaysia with iGlow Sdn Bhd, a recurring challenge stands out: high sugar levels and high cholesterol. These are key risk factors for non-communicable diseases (NCDs), which are preventable with early detection and proactive measures. The good news? With the right approach, these risks can be effectively managed. At iGlow, we’ve partnered with organisations to address these challenges, and the results have been encouraging—improvements in health metrics after programme completion. How did we achieve this? The answer lies in two simple yet challenging areas: education and lifestyle modification. While these aren’t groundbreaking concepts, implementing them consistently is where the real work lies. I’d love to hear how your organisation addresses employee health challenges. Are education and lifestyle initiatives part of your approach? Let’s exchange ideas and foster healthier workplaces together.

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Thanks to our work, Ee Chien Chua and I have gotten to know each other much better over the past two years. This one-of-a-kind investor shares some of his investment experiences with me, including the good and the not-so-good. There is so much more we didn't capture, so a podcast is in the works. For now, here's the article.

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