Delhi's AMFI Registered Financial Planning & Insurance Team
35+ Years of Building Wealth, Your Way
A CFP-certified financial planning and insurance team, AMFI Registered since 2002, 2,500+ clients served. Mutual funds, insurance, equity, and tax planning, coordinated through your dedicated point of contact. Start with a free* 30-minute financial health checkup.
The Talk2Invest Team
35+ Years | AMFI Reg. MF Distributor, ARN-2823 · MF & SIF Distributor, ARN-300788
One Point of Contact. Every Financial Decision You Will Ever Make.
Most Delhi families manage money through 3 to 5 disconnected relationships: a bank RM for FDs, a neighbourhood agent for LIC, a broker for equity, and nothing organised for health insurance or tax planning. Talk2Invest consolidates all of this under a single dedicated point of contact from our CFP-certified, AMFI Registered team, guided by 35+ years of experience helping families become financially secure and a single point of accountability.
The full service range covers mutual funds (SIP and lump sum), term life insurance, health insurance, general insurance, equity, IPOs, bonds, and year-round tax planning under 80C and 80D, each coordinated by your point of contact at Talk2Invest. Your investments are tracked through the InvestWell platform, while your dedicated point of contact at Talk2Invest continues coordinating mutual funds, insurance, and tax planning on your behalf.
Mutual Funds & SIP
All major AMCs, ₹500 onwards
Life & Health Insurance
Term, floater, top-up cover
Equity & IPOs
Direct stocks, IPO applications
Tax Planning
80C, 80D, HRA, home loan
35+ years
Years Experience
2,500+
Clients Served
AMFI Reg.
Mutual Fund Distributors
Multi-AMC
Fund House Access
The "Insure First, Then Invest" Philosophy
Most fintech platforms push you to start a SIP on day one. Talk2Invest starts with a different question: if something happened to you today, is your family financially protected?
The three-step framework is: adequate life cover first (a term plan sized to your income and liabilities), then health cover that won't leave gaps during a hospitalisation, and only then wealth building through mutual funds and equity. This is not a product sequence. It is a priorities sequence.
A salaried professional earning ₹12 lakh a year needs roughly ₹1.2 to 1.5 crore in term cover before their first SIP makes complete financial sense. A ₹1 crore term plan typically costs under ₹1,000 per month for a healthy 30-year-old.
Not sure if your family is adequately protected?
Get a free* insurance review: no paperwork, no pressure, no commitment.
Get Free* Insurance ReviewInsure
Term life cover sized at 10x annual income. Health insurance for the entire family, including a top-up plan to cover hospitalisation beyond the base sum insured.
Save
Build a 6-month emergency fund in a liquid fund or short-duration debt fund. This is the buffer that lets equity investments stay invested during downturns.
Invest
Goal-based SIPs in equity mutual funds, ELSS for 80C, and a long-term allocation to equity and bonds appropriate for your age and risk profile.
Who We Work With
Four client profiles with specific, recognisable situations. One of these might be yours.
The Salaried Professional in Delhi NCR
Just got a raise and needs to do more than park it in an FD. The common mistake: leaving the increment in a savings account earning around 2.50% (the flat rate at SBI, HDFC, and ICICI as of July 2026), while large-cap and flexi-cap equity mutual fund categories have historically delivered CAGR roughly in the 13-17% range over trailing 5- and 10-year periods (as of July 2026), based on past performance across major schemes in the category, not a guarantee of future returns. Talk2Invest maps the increment directly to a goal and automates the SIP.
Explore SIP optionsThe Self-Employed Professional or Business Owner
Irregular monthly income makes planning feel harder than it is. The common mistake: waiting for a "good month" to start. Talk2Invest builds a flexible plan with a minimum SIP in lean months and top-ups in strong ones, so investing happens regardless of income variability.
Tax planning optionsThe Pre-Retiree
Has accumulated savings in FDs and needs to generate monthly income without eroding capital. The common mistake: staying fully in FDs at 6.5% when a hybrid mutual fund portfolio could generate 8 to 9% with better tax efficiency. Talk2Invest builds a systematic withdrawal plan matched to post-retirement expenses.
Retirement reviewThe First-Time Investor
Has seen friends start SIPs and wants to know where to begin. The common mistake: picking a fund randomly from an app without understanding risk profile or goal horizon. Talk2Invest starts with a 30-minute health checkup before any investment is made, ensuring the first decision is also the right one.
Start investingWhy Talk2Invest, and Why Independence Matters
Independent Guidance, No Sales Quotas
Rajesh Guliani (ARN-2823, AMFI Registered MF Distributor, registered since October 2002) and Binny Guliani (ARN-300788, AMFI Registered MF & SIF Distributor) are not tied to any bank or AMC's distribution targets. When the Talk2Invest team helps you find a fund, it is because the fund suits your goal, not because a bank branch manager has a quarterly quota to fill. You get guidance shaped by your portfolio, not by commission calendars.
Credentials Rare Among Independent MFDs
Our team holds credentials across financial planning, mutual fund distribution, and insurance: CFP certification (FPSB India), six-time MDRT (Million Dollar Round Table, which describes its own membership as less than 1% of the world's life insurance and financial services professionals) held by Rekha Guliani, AMFI Registered MF Distributor status held by Rajesh Guliani (ARN-2823), and AMFI Registered MF & SIF Distributor status held by Binny Guliani (ARN-300788). Each credential is publicly verifiable, not a self-awarded badge.
A Family Practice Since 2001
Talk2Invest has been run by the Guliani family since founding in 2001 by Rajesh Guliani (CFP, AMFI Registered), who brings 35+ years of experience helping families become financially secure, alongside Rekha Guliani (six-time MDRT) and Binny Guliani (MBA Finance, Insurance Advisor), who joined the practice in 2023. Clients who started in 2003 are still active today. No app can replicate that history of relationships with the people who know your financial history, your goals, and your family.
Services at a Glance
Guidance across every financial category your household will ever need.
Mutual Funds
SIP setup, lump sum allocation, fund review, and ELSS for 80C tax saving. Starts at ₹500 per month across all major AMCs.
Learn MoreLife Insurance
Term plan sizing and comparison across 10+ insurers. A ₹1 crore cover for a healthy 30-year-old costs under ₹1,000 per month.
Learn MoreHealth Insurance
Individual, family floater, and top-up cover selection. Identify coverage gaps before a hospitalisation, not during one.
Learn MoreTax Planning
Year-round 80C, 80D, HRA, and home loan optimisation. Save up to ₹46,800 annually through ELSS, not just March panic investing.
Learn MoreEquity & IPO
Direct equity allocation and IPO applications for investors with a 5-plus year horizon and higher risk tolerance. Guided, not speculative.
Learn MoreGeneral Insurance
Vehicle, home, and travel insurance. Renewal review ensures you are not paying for duplicate cover or carrying gaps in your motor policy.
Learn MoreHow the Process Works, From First Call to First Investment
Free* Health Checkup
30-minute call. No paperwork, no commitment. Our team reviews your current insurance, savings, and goals.
Personalised Plan
Goals mapped to instruments. Risk profile assessed. Coverage gaps identified and ranked by priority.
Paperless KYC in 48 Hours
Paperless KYC and onboarding via InvestWell. Most clients are up and running within 48 hours of the first call.
Ongoing Annual Review
Portfolio reviewed annually. Your point of contact is reachable by call or WhatsApp for questions between reviews. You decide. We execute.
Credentials You Can Verify Right Now
ARN-2823 (Rajesh Guliani), AMFI Registered MF Distributor, has been active since October 2002, and ARN-300788 (Binny Guliani), AMFI Registered MF & SIF Distributor, is also AMFI registered; both are searchable on the AMFI website at amfiindia.com. CFP certification by FPSB India is verifiable at india.fpsb.org. This section exists because the right question to ask any financial professional is: where can I check this independently?
Physical address: Guliani Investment Center, G-65, Vardhman Fortune Mall, G.T. Karnal Road, Delhi - 110033. Walk-in meetings are available Monday to Saturday, 10:00 am to 6:00 pm.
SEBI's framework for registered investment advisers is publicly available on sebi.gov.in, to understand the regulatory environment.
AMFI MF Distributor (2823) & MF/SIF Distributor (300788)
Rajesh Guliani (ARN-2823), AMFI Registered MF Distributor since October 2002 (valid till 04-Oct-2027), and Binny Guliani (ARN-300788), AMFI Registered MF & SIF Distributor. Verifiable on amfiindia.com.
CFP Certification, FPSB India
Certified Financial Planner designation. Verifiable at india.fpsb.org.
MDRT (6x): Rekha Guliani
Million Dollar Round Table, achieved six times. MDRT describes its membership as less than 1% of the world's life insurance and financial services professionals.
LUTCF, The American College of Insurance
Life Underwriter Training Council Fellow. Rare combination with CFP among independent MFDs in Delhi.
Chairman Club, ICICI Prudential MF
Recognised for sustained performance and client service standards by ICICI Prudential Mutual Fund.
SIP Returns Calculator
See the difference 10, 15, or 20 years of disciplined investing makes to your wealth.
Wealth Created
+94%
*Figures shown are illustrative projections based on historical data and assumed rates of return. They are not a guarantee, promise, or assurance of future performance. Actual returns will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Our AMC Partners
Frequently Asked Questions
Direct answers to the questions we hear most often. No hedging, no ambiguity.
Contact for specific questionsA CFP-certified financial planner reviews your complete financial picture: insurance gaps, savings instruments, tax liability, and investment allocation, then builds a plan tied to specific goals like retirement, a child's education, or buying a home. At Talk2Invest, our team also executes your decisions through a paperless digital platform, so you are never left managing paperwork alone.
Groww and Zerodha are self-managed platforms: you research, select, and execute on your own. With Talk2Invest, you get a dedicated point of contact (POC) who understands your goals, helps you find suitable instruments across all fund houses, and helps you stay on track during market volatility. The platforms are tools; the POC provides the guidance behind the decisions.
SIPs begin at ₹500 per month. The amount matters less than starting the habit early. Before any investment, Talk2Invest's first priority is ensuring you have adequate life and health cover. A ₹1 crore term plan typically costs less than ₹1,000 per month for a healthy 30-year-old. Protection comes before portfolio building.
Your investment money never passes through Talk2Invest. It goes directly to the AMC (fund house) and is held in your name. Talk2Invest is AMFI-registered: Rajesh Guliani, AMFI Registered MF Distributor (ARN 2823), and Binny Guliani, AMFI Registered MF & SIF Distributor (ARN 300788), not a custodian. AMFI and SEBI regulate the framework; your funds are protected independently of any distributor.
AMFI (Association of Mutual Funds in India) registers and regulates mutual fund distributors. An ARN number is mandatory to legally distribute mutual funds. Rajesh Guliani, AMFI Registered MF Distributor, has held ARN 2823 since October 2002, and Binny Guliani, AMFI Registered MF & SIF Distributor, holds ARN 300788, both verifiable on amfiindia.com. It confirms our distributors meet AMFI's ongoing competency and compliance standards.
Yes. Talk2Invest reviews your existing instruments as part of the financial health checkup. If your LIC policy is appropriate, it stays. The goal is to fill gaps, typically health cover and term insurance, and build a wealth plan around what you already have, not replace everything from scratch.
Start with a Free* 30-Minute Financial Health Checkup
Our team will review your current insurance, savings, and goals in 30 minutes. No paperwork on the first call. No products pushed. You leave with clarity on where you stand and what to address first.
* We do not charge anything for the guidance we provide. For any investments made through us, the AMCs may pay us a commission. Our recommendations are based on your risk profile, time horizon, and financial requirement, not on the commission we may earn. Your details are shared only with our team, never with third-party marketing lists.