Planning First. Always.
We are a QPFP-certified financial planning firm that builds complete, goal-linked financial plans for professionals and business owners — across India and for NRI clients globally. We don't sell products. We build strategies.
Lakshya Jayaswal
Founder · QPFP · ET 40 Under 40 · Happy2Investt
"I started Happy2Investt because I kept seeing the same thing — smart, hard-working people earning well and building nothing. Not because they didn't care, but because nobody had ever built them a real plan."
I grew up watching people around me work hard their entire lives and arrive at retirement with far less than they should have had. Not because they were careless — but because the financial advice available to them was designed around products and commissions, not their actual goals.
That observation became a mission. In 2010, I founded Happy2Investt with a single founding principle: plan first, products later. Every client gets a complete financial plan before we recommend a single investment or insurance product.
Over 15 years, we’ve helped more than 500 professionals and business owners — across India and globally as NRI clients — build structured, goal-linked financial plans. The results are in our case studies. The philosophy is in everything we do.
I’m QPFP-certified (India’s gold standard in financial planning), AMFI registered, NSE-certified, and was recognised by The Economic Times as one of India’s ET 40 Under 40 in 2025 — an honour I attribute entirely to our clients and the outcomes we’ve been privileged to help create.
15 Years. One Mission.
How Happy2Investt grew from a single conviction — that financial planning should put the plan before the product — into a practice that has served 500+ clients across India and globally.
Happy2Investt Founded in Kolkata
Founded on one principle: build a complete financial plan first, recommend products only in service of that plan. First clients were working professionals in Kolkata — people who earned well but had no financial structure.
The BeginningExpanded to Business Owners
Recognised that business owners had unique, underserved needs — business-personal separation, profit extraction strategy, key-person protection. Developed a specialist approach for SME owners that no generalist advisor was offering.
AMFI Registration + NSE Goal Planner Certification
Formalised the credential framework — AMFI registered mutual fund distributor and NSE-certified Financial Goal Planner. Built the proprietary goal-mapping framework that underpins every plan we build today.
NRI Practice Launched
Began serving NRI clients across UAE, UK, Singapore, and USA — building specialist expertise in cross-border tax, FEMA compliance, repatriation strategy, and India-based investment planning for clients abroad.
QPFP Certification — India's Highest Standard
Achieved Qualified Personal Finance Professional (QPFP) certification — the highest standard in financial planning practice in India. Reinforced the firm's commitment to planning excellence, not just product distribution.
QPFP CertifiedStockEdge PIT Award — Investor Education
Recognised by StockEdge with the PIT Award for outstanding contribution to investor education and financial literacy — reflecting years of plain-language content, workshops, and advisory work for first-generation wealth builders.
ET 40 Under 40 — Economic Times Recognition
Named to The Economic Times ET 40 Under 40 list — recognising leadership and impact in the Indian personal finance space. 500+ clients served. ₹500 Cr+ assets under guidance. Still growing.
🏆 ET 40 Under 40 — 2025Three Things We Believe Deeply.
These are not marketing taglines. They are the operating principles that shape every plan we build, every recommendation we make, and every relationship we maintain.
A Plan Before Any Product — Always
No investment recommendation, no insurance policy, no tax strategy is ever suggested before we understand your complete financial picture and have built a comprehensive plan. Products serve the plan — never the other way around.
Goal-Linked. Never Random.
Every rupee you invest, every SIP you run, every policy you hold must be tied to a specific life goal with a specific target and a specific timeline. Money without a destination just accumulates — it doesn't build wealth.
Conflict-Free. Transparent. Long-Term.
We earn your trust, not commissions. Every recommendation we make is in your interest — fully transparent on fees, reasoning, and product economics. We build long-term relationships with clients who stay with us for decades.
- Recommend products before understanding your complete financial picture
- Sell insurance policies for commission — we audit first, always
- Push high-commission products over better-suited alternatives
- Give tax advice only in March — we plan year-round
- Take on more clients than we can serve with genuine depth and attention
- Build a complete financial plan before making any recommendation
- Audit existing insurance and right-size it — even if that means cancelling policies
- Recommend the best-suited option, fully transparent about the economics
- Build year-round tax strategies that save ₹1–6L annually, legally
- Stay with every client long-term with annual reviews and proactive guidance
The Proof Behind The Promise
Every credential here represents a standard of practice — not a marketing badge. These are the qualifications and recognitions that define how we work.
Named by The Economic Times to the ET 40 Under 40 list — recognising individuals under 40 who have demonstrated exceptional leadership and measurable impact in their field. This recognition is attributed entirely to the 500+ clients whose financial lives have been transformed over 15 years of practice.
QPFP — Qualified Personal Finance Professional
India's highest standard in financial planning certification — awarded by the Financial Planning Standards Board India. Covers comprehensive financial planning, tax, investment, retirement, and estate planning.
AMFI Registered Mutual Fund Distributor
Association of Mutual Funds in India — certified to advise on and distribute mutual fund products. Adherence to AMFI code of conduct and client-first advisory standards.
NSE Financial Goal Planner
National Stock Exchange of India · Certified in systematic financial goal planning and portfolio construction
StockEdge PIT Award
Recognised for outstanding contribution to investor education and financial literacy across India
15+ Years in Practice
Founded in 2010 · Continuously active advisory practice with consistent client retention and referral growth
Pan India + NRI
Fully online advisory capability · Serving clients across India, UAE, UK, USA, Singapore, and more
Numbers
That Matter
15 years of consistent, structured financial planning — measured in real client outcomes.
Five Principles That
Don't Change.
These are the non-negotiable standards behind every client relationship we have. Not guidelines — principles. They apply to every client, every engagement, every recommendation.
You Work Directly With the Founder
Every client at Happy2Investt works directly with Lakshya Agarwal — not a junior associate, not a relationship manager, not someone who got your file a week ago. If you engage us, you engage the founder. This is why we limit our client intake — depth of engagement is non-negotiable.
We Only Recommend What Serves Your Plan
Every product recommendation — investment, insurance, PMS — is made only after we've built your plan and identified a specific need. If something doesn't serve your goals, we won't recommend it regardless of the commission structure. Full stop.
Complete Transparency on Fees and Economics
You will always know exactly what you're paying us, what we earn from any product recommendation, and why. We don't hide trail commissions. We don't obscure product costs. Transparent economics are the foundation of a conflict-free advisory relationship.
Behaviour Coaching Is Part of the Service
The biggest risk to your long-term wealth isn't market volatility — it's the decisions you make in response to it. We proactively coach clients through market cycles, economic uncertainty, and life events to ensure emotion never overrides strategy. Staying invested through downturns is worth more than finding the perfect fund.
Long-Term Relationships, Not Transactions
Our model only works if your plan works. We don't earn from transaction volume or product churn — we earn from long-term advisory relationships built on outcomes. The average Happy2Investt client has been with us for over 6 years. That number is the truest measure of whether our approach delivers.
15 Years of
Relationships.
These are not cherry-picked reviews — they are representative of how our clients describe the experience of working with us over years, not just after the first deliverable.
"What separates Lakshya from every other advisor I've worked with is that he thinks about everything together — my business, my personal finances, my insurance, my tax. Everyone else only ever looked at one piece. Happy2Investt looks at the whole picture — and builds a plan that makes them fit."
"I've been a client for 8 years. In that time, Lakshya has helped me through a business crisis, two major market crashes, a property purchase, and my daughter's education planning. Every time, the advice was measured, conflict-free, and genuinely in my interest. That consistency over 8 years is what trust looks like."
"The behaviour coaching during the 2022 crash was worth more than the returns in any individual year. I was ready to exit everything. Lakshya walked me through why that was the wrong decision with data and patience. My portfolio stayed intact. The lesson paid for itself many times over."
