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sIMMPLy Lovaii - Expert with a Heart
Timbre Media, IMMPL
24 episodes
1 month ago

Money can turn your dreams into reality. Earn, save and live your life just the way you want it. Simple, isn't it? Or maybe not so simple? It takes time, expertise, experience and never-ending vigilance to make your hard-earned money do your bidding. Here is Lovaii Navlakhi who brings you all of those to make it simple for you. Among the first certified financial planners in India and the first financial transitionist in Asia, he is passionate about helping you grow your money through dips and peaks, as also all those transitions life must undergo. And he set up International Money Matters Private Limited nearly a quarter century ago. Simmply the right person to have on your money side, right? In this podcast, Lovaii does what he loves best. He draws on his intimate knowledge of the cherished dreams and daunting financial challenges of thousands across the oceans and the decades. And unstintingly shares his wealth of experience to make a tangible difference in the quantity of your wealth and, consequentially, the quality of your life. Wherever you are or your wealth is in the world, Lovaii has the key to unravel what’s best for you. Lend an ear to his new podcast, “Simmply Yours.” Harvest ripe tips on how to make your money work for the life you want and deserve. And learn why money is not that simple to hold and grow unless you are willing to keep your eyes and ears always open, think and act smart. That's Simpply the natural way, when you are with Lovaii!

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All content for sIMMPLy Lovaii - Expert with a Heart is the property of Timbre Media, IMMPL and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Money can turn your dreams into reality. Earn, save and live your life just the way you want it. Simple, isn't it? Or maybe not so simple? It takes time, expertise, experience and never-ending vigilance to make your hard-earned money do your bidding. Here is Lovaii Navlakhi who brings you all of those to make it simple for you. Among the first certified financial planners in India and the first financial transitionist in Asia, he is passionate about helping you grow your money through dips and peaks, as also all those transitions life must undergo. And he set up International Money Matters Private Limited nearly a quarter century ago. Simmply the right person to have on your money side, right? In this podcast, Lovaii does what he loves best. He draws on his intimate knowledge of the cherished dreams and daunting financial challenges of thousands across the oceans and the decades. And unstintingly shares his wealth of experience to make a tangible difference in the quantity of your wealth and, consequentially, the quality of your life. Wherever you are or your wealth is in the world, Lovaii has the key to unravel what’s best for you. Lend an ear to his new podcast, “Simmply Yours.” Harvest ripe tips on how to make your money work for the life you want and deserve. And learn why money is not that simple to hold and grow unless you are willing to keep your eyes and ears always open, think and act smart. That's Simpply the natural way, when you are with Lovaii!

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Careers
Business
Episodes (20/24)
sIMMPLy Lovaii - Expert with a Heart
Ep 024 : Term Insurance vs Endowment & ULIPs - What Should You Choose?

Lovaii Navlakhi and Shanthala Kumble break down term insurance vs endowment and ULIPs, helping you choose the right plan, protect your family, and avoid overpriced policies.


Choosing the right life insurance can feel overwhelming with so many options available. In this episode, Lovaii Navlakhi and Shanthala Kumble simplify the choices by comparing pure term insurance, endowment plans, and ULIPs. They discuss what each plan is best suited for, the costs involved, and common pitfalls to avoid. This episode helps you make informed decisions, ensuring your family’s protection and aligning your insurance with your financial goals.


#LifeInsurance #TermVsULIP #EndowmentPlans #InsuranceSimplified #FinancialPlanning #ProtectYourFamily #SmartInvesting #InsuranceTips #PersonalFinance #FinancialAwareness

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2 months ago
16 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 023 : Is a Will Enough to Protect Your Legacy?

Many believe that writing a will is sufficient to safeguard their family’s future. The reality is that a will alone can leave your assets vulnerable to disputes, taxes, and long delays.


In SIMMPLY LOVAII | Episode 23, we discuss:

  • The difference between a will and a family trust
  • Why setting up a trust can save your loved ones stress and money
  • When you should consider adding a family trust to your estate plan
  • How trusts help protect your legacy for generations

If you want to secure your wealth and truly protect your legacy, this episode is for you.

Subscribe for more insights on estate planning, wealth protection, and financial freedom.


#FamilyTrust #WillVsTrust #EstatePlanning #ProtectYourLegacy #WealthProtection #InheritancePlanning #FinancialFreedom #GenerationalWealth

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2 months ago
23 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 022 : Moving Abroad or Returning to India? Here’s How NRIs Can Plan Their Finances Right

Whether you're an NRI charting your path abroad or planning a return to India, your financial landscape is anything but one-size-fits-all. In this expert-led Q&A, Lovaii Navlakhi and Sneha Jaggar from IMMPL break down the 10 most common financial questions NRIs face—from mutual funds and Indian stock investments to retirement planning and tax compliance across borders.

This episode will help you:

  • Navigate NRI taxation rules
  • Align global and Indian investments
  • Plan for retirement across jurisdictions
  • Understand FEMA and RBI regulations
  • Ensure asset continuity between countries

Brief About the Episode:

Cross-border living brings financial complexity. This episode is your essential guide to making smarter, compliant, and goal-aligned financial decisions—whether you’re heading overseas or coming back home. Learn how to take a holistic view of your wealth, stay ahead of regulatory changes, and plan confidently for your future in both worlds.


Hashtags:

#NRIFinance #ReturningToIndia #FinancialPlanning #CrossBorderFinance #NRIInvestments #WealthPlanning #GlobalFinance #NRIRetirement #TaxPlanning #IMMPL #LovaiiNavlakhi #SnehaJaggar

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3 months ago
27 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 021 : From First Pay check to First Portfolio : New financial Inning

What To Do With Your First Salary?

Just started earning? Your first paycheck can be exciting — and overwhelming. In this episode, we break down what really happens to your salary, how to build smart financial habits early, and why the decisions you make now can shape your financial future.


Whether you're in your first job or just beginning to manage your money, this episode is your starting point for long-term financial confidence.


Why is my in-hand salary so much less than my CTC?


  • Understand the difference between CTC and take-home pay
  • Breakdown of EPF, TDS, professional tax, and other deductions
  • Learn how to read and interpret your payslip

How much of my salary should I save or invest each month?


  • The 50/30/20 rule explained with practical examples
  • Realistic alternatives based on your lifestyle and goals
  • Building a habit of consistent saving and investing

Should I keep my money in a savings account or start investing?


  • When to use savings accounts, FDs, or start SIPs
  • How to begin investing with small amounts
  • Why time matters more than the amount when it comes to investing

How do I know the difference between good spending and wasting money?


  • Understanding needs vs. wants
  • Using simple tools to track spending and cut unnecessary expenses
  • How to spend without guilt — but with intention

What’s the best way to build a good credit score early?


  • Smart use of credit cards to build credit, not debt
  • Dos and don’ts for loans and repayments
  • Habits that help maintain a strong credit profile

What does financial freedom really mean, and how do I work toward it in my 20s?


  • It’s about choices — not just money
  • Setting real goals: travel, home, business, or early retirement
  • Laying the foundation now for a future you’ll thank yourself for
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4 months ago
27 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 020 : Global Planning: Navigating Money Without Borders

Moving across countries? Your money needs a passport too.


In Episode 20, Lovaii Navlakhi and Khushboo Aggarwal break down the essentials of Cross-Border Financial Planning — perfect for NRIs, returning Indians, or anyone whose life spans across geographies.

From managing taxes in multiple countries, handling social security, to planning for retirement or inheritance across borders — we simplify the complexities of global wealth management.


In this episode, we explore:

What is Cross-Border Financial Planning

The cost of not planning before relocating

Social security, education & retirement planning for global citizens

Inheritance laws and tax traps to avoid

Real mistakes people make when managing money across countries

Whether you're moving out, moving back, or just planning smart — this one's for you.


#GlobalFinancialPlanning #NRIWealth #CrossBorderMoney #FinancialPlanningPodcast #MoneyWithoutBorders #LovaiiNavlakhi #GlobalGoals #WealthAcrossBorders #InheritancePlanning #NRIAdvice #PodcastIndia #immpl #wealthmanagement

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4 months ago
20 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 019 : Financial Footprints: Stories That Shape Financial Futures

In this insightful episode, we explore how personal experiences, relationships, and shifting priorities shape financial decisions. Lovaii Navlakhi and Khushboo Aggarwal share real-life stories and reflections that highlight the human side of financial planning—from missed goals to meaningful breakthroughs.


Episode Snapshot & Key Highlights:


  • How clients’ financial behaviour is influenced by their upbringing and personal experiences.
  • Common differences in financial expectations between partners—and how to bridge them.
  • The importance of involving both partners in financial planning.
  • Moments of discovery between couples that reshaped their financial conversations.
  • The impact of assumptions like life expectancy and inflation on planning outcomes.
  • Often-overlooked goals and how advisors help bring them to light.
  • Helping clients manage competing responsibilities and make difficult decisions with clarity—such as when to say “no” to children.
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5 months ago
27 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 018 : When Life Changes Over Night: Finding Financial Stability

In this episode, we delve into the real-life story of a woman who suddenly lost her spouse and was left to face emotional and financial uncertainty. Through her journey, we uncover the importance of thoughtful financial planning during life transitions and how a CeFT® professional helped her move from confusion to clarity.


Episode Snapshot

After the sudden loss of her spouse, a woman is faced with unexpected financial chaos. This episode explores how a CeFT® (Certified Financial Transitionist®) helped her navigate grief, avoid common mistakes, and regain financial stability — showing how the right guidance can bring clarity in life’s most difficult moments.


Key Highlights

  • Emotional events heavily influence financial decisions
  • The role of a CeFT® in balancing emotions and money
  • “Decision-free zones” help reduce mistakes during crisis
  • Structured planning turns uncertainty into clarity

Takeaways

  • Don’t rush major decisions during emotional upheaval
  • Financial transitions require both empathy and expertise
  • The right support can transform chaos into control
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6 months ago
28 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 017 : Navigating Major Life Changes – The Role of Financial Transition Planning

Overview:

Significant life changes like inheritance, retirement, sudden loss of a loved one, or divorce can deeply impact your financial world. In this episode, we unpack the emotional and practical sides of money management during such transitions. We also highlight the unique role a Certified Financial Transitionist® (CeFT®) plays in helping you build stability and clarity during these critical times.


Episode Snapshot


  • Introduction to Financial Transition Planning
  • Emotional impact of life transitions on financial decisions
  • Common mistakes people make during major life events
  • How a CeFT® professional can balance emotions and money decisions
  • Real-life scenarios and tips to regain financial control
  • Steps to build a resilient financial transition plan

 Key Highlights


  • Financial planning is as much about emotions as it is about numbers.
  • Major life changes require structured financial decision-making.
  • CeFT® experts guide clients by blending emotional intelligence with financial expertise.
  • “Decision-Free Zones” after big events help prevent costly mistakes.
  • Transition planning ensures you move forward with clarity, not chaos.

 Takeaways


  • Understand the connection between life events and financial vulnerability.
  • Build emotional resilience into your financial plans.
  • Know when professional guidance is critical.
  • Prepare your financial transition strategy in advance.
  • Achieve long-term financial security, even during major disruptions.
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6 months ago
20 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 016 : Understanding Health Insurance: What You Must Know

 Episode Snapshot:

This episode dives into the essentials of health insurance—demystifying policies, premiums, and exclusions. We cover everything from choosing the right plan and understanding claim processes to decoding terms like deductibles, co-payments, and waiting periods.


Listeners will walk away with clarity on how to select a plan that fits their lifestyle, budget, and long-term health needs.


 Key Highlights: • Why health insurance is essential for financial planning

• How to select the right policy

• Common pitfalls and how to avoid them

• Claim process & tips to ensure smooth approval


 Takeaway:

A practical guide to navigating the world of health insurance—empowering listeners to make confident, well-informed choices for themselves and their families.


Let me know once reviewed or if any last-minute changes are needed!

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6 months ago
20 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 015 : How Does a PMS Work?

Episode Snapshot:

This episode demystifies Portfolio Management Services (PMS)—a premium investment option for high-net-worth individuals. We break down how PMS works, compare it with mutual funds, and explore key strategies like equity, debt, and hybrid models.

Listeners will also learn how to evaluate a portfolio manager, understand tax implications, and decide if PMS fits their risk profile.


Key Highlights:

  • PMS vs Mutual Funds: What sets them apart
  • Types of PMS strategies
  • Pros, cons & tax insights
  • How to assess performance

Takeaway:

A clear, concise guide to PMS—what it is, how it works, and whether it’s right for you.

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7 months ago
15 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 014 : Budget 2025: The Impact on Investor Behaviour

What does an investor do when a budget growls round the corner? 

Hold tight? 

Leave everything and run?


Let’s sit back and listen as the experts make it simple for us in the second part of our post-budget episode of Simmply Lovaii! Tune in to insights from Lovaii Navlakhi, CEO and MD, IMMPL; Rahul Jain, Senior Vice President, Research and Advisory, IMMPL; and Aishvarya Dadheech, Founder and Chief Investment Officer, Fident Asset Management Pvt. Ltd. Listen and act right when the budget is still hot! 

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9 months ago
18 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 013 : Union Budget 2025

The Union Budget 2025 made one number very famous - 12. But it takes more than that to form the big picture. A few questions come to mind at this point. How are you really going to be affected by the budget if you belong to the bulging middle? Will you be able to save more and, consequently, invest more? Which are the new favourite sectors for investment? And, how will this budget shape the new India? 


We're exploring the answers on part 1 of this episode of Simmply Lovaii! Tune in for eye-opening insights from Lovaii Navlakhi, CEO and MD, IMMPL, Rahul Jain, Senior Vice President, Research & Advisory, IMMPL and Aishvarya Dadheech, Founder & Chief Investment Officer, Fident Asset Management Pvt. Ltd., so you can have all the right information post-budget! 

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9 months ago
23 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 012 : The Final Piece - Mistakes to avoid while handling cross border finances.

In this compelling conclusion of the series on Cross-Border Financial Planning under Simply Lovai, Lovai Navlakhi and Paresh Shah discuss technical challenges, tax implications, and the importance of having the right advisors when navigating multiple jurisdictions and demonstrate the value of collaboration among advisors across jurisdictions to get right professional advice when sought.


The duo underscores that effective cross-border finance requires not just technical knowledge but also a deep understanding of familial and cultural dynamics.

Drawing from case studies and their extensive experience, they emphasize the significance of proactive financial planning and legal preparedness.


Whether you’re an expatriate, a business owner, or simply curious about the landscape, tune in now! This insightful episode will equip you to manage the complexities of cross-border finance with confidence.

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1 year ago
23 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 011 : Seeking the Missing Piece! Cross-Border Finance Post-COVID

Caught in the maze of cross-border finance? 


Tune in to the second episode of our 3-part series on Cross-Border financing and subscribe to #SimplyLovaii for expert insights you won’t want to miss!

 

#LovaiiNavlakhi of #InternationalMoneyMattersPrivateLimited, and #PareshShah, from PareShah Partners LLC help us understand the complexities of cross-border finance in a post-COVID world. The episode helps us understand how the pandemic reshaped personal finance strategies for families divided by continents through engaging conversation.

 

Through a range of case studies that speak of relocation, asset transfers, the devastating decisions emotional investors take and the role of an advisor in managing them, this episode gives you the full picture.

 

Tune in to understand how you can take informed financial decisions that suit your global lifestyle!

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1 year ago
21 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 010 : Finding the Missing Piece : Cross-Border Financial Planning with Insights from Experts!

Grappling with the complexities of cross-border finance?

Tune in to our latest episode of Simply Lovaii for expert guidance on mastering #crossborder #finance and making informed decisions for a secure financial future!

 

Join #LovaiiNavlakhi the CEO and MD of #InternationalMoneyMattersPrivateLimited and #PareshShah the CEO of PareShah Partners LLC, as they take us through this important topic.

 

In this episode, the duo shed light on the nuances of cross-border #estateplanning, #assetmanagement, #retirementplanning, and the right timing for #financialplanning—while managing #internationalcareers and #family relocations.

 

This engaging and insightful conversation with real- life examples hint upon the ambiguity of the sandwich generation and their responsibility towards aging parents along with the emotions of the aging generation. This is why Lovaii is known as the Expert with a Heart.

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1 year ago
17 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 009 : Is Cross-Border Financial Planning the Missing Piece?

Is cross-border financial planning the missing piece in your financial puzzle? 


In this introductory episode of Cross Border Finance, Lovaii Navlakhi shares his insightful perspective: "I think people look at their sort of situations in life from the window they're seated at. And they don't look at the 360-degree view. We benefit from the fact of having met so many different people." 


Join us as we explore the fundamentals of cross-border finance, the key challenges faced by NRIs, and why a tailored financial strategy is essential for those navigating multiple jurisdictions. Expect expert advice, real-life scenarios, and practical steps to enhance your financial well-being across borders.


Don't miss out the other podcasts and start your journey to financial freedom today!

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1 year ago
21 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 008 : Is Cross-Border Financial Planning the Missing Piece? -An Introduction to Cross-Border Finance?

In this episode of Simmply Lovaii, experts Lovaii Navlakhi and Rahul Jain delve into the immediate insights and impacts of Union Budget 2024. Join us as they explore the key highlights, initial market reactions, and short-term impacts on various sectors. Discover significant tax changes for individuals and investments and learn how the strategic role of financial advisors can guide you during these pivotal times.


Expect a thorough analysis of how these budget changes affect both individuals and businesses, with expert insights on market responses, capital gains taxation, and transformative growth opportunities in specific sectors. Explore opportunistic investment strategies to maximize your wealth in light of the new budget.


Tune in for a comprehensive and informative conversation as Lovaii and Rahul break down the complexities of Budget 2024, helping you make well-informed financial decisions and stay ahead in the ever-evolving financial landscape.

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1 year ago
27 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 007 : Deeper Conversations on Life's Financial Transitions: Challenges, Learnings, and New Beginnings

Curious about how to turn life's financial challenges into opportunities for growth?

Join us in "Deeper Conversations on Life's Financial Transitions: Challenges, Learnings, and New Beginnings" as we uncover profound insights from Lovaii Navlakhi and Susan Bradley.

Lovaii Navlakhi inspires with his belief that "Every financial setback is a chance to reassess and rebuild stronger foundations." Susan Bradley emphasizes, "Navigating financial transitions requires a blend of resilience, compassion, and strategic planning."

Discover how to navigate unexpected changes, embrace lessons from setbacks, and embark on new financial chapters with clarity and confidence.

Listen for expert advice and real-life stories that illuminate the path forward. Whether you're planning retirement, overcoming loss, or seizing new opportunities, this podcast offers practical wisdom and empowering strategies.

Don't miss out on "Deeper Conversations on Life's Financial Transitions" – subscribe now to transform your approach to financial challenges into moments of growth and renewal.

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1 year ago
24 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 006 - Deeper Conversations on Life's Financial Transitions Growth, Resilience, and Emotional Well-being

“Resilience isn’t just about bouncing back; it’s about adapting and thriving despite the challenges,” shares Lovaii Navlakhi in this episode of "Deeper Conversations on Life's Financial Transitions."


Join Lovaii Navlakhi and Susan Bradley as they dive into the intricate world of financial transitions. Whether it's navigating career changes, making critical financial decisions, or managing the emotional rollercoaster that accompanies these events, this episode offers a treasure trove of wisdom and practical advice.

“If you approach transitions with the right mindset, they can become opportunities for growth,” adds Susan Bradley. Together, Lovaii and Susan share insights on how to turn life’s uncertainties into pathways for success.

If you're in the midst of a career shift, facing a major financial choice, or simply looking for guidance on handling life's inevitable changes, this podcast is for you. Lovaii and Susan's engaging conversations promises to leave you feeling inspired and equipped to face your transitions with confidence.

Tune in and let this episode be your guide through the challenging yet rewarding journey of financial transitions. Don't forget to check out our previous episodes for more insights on navigating life's major changes.

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1 year ago
26 minutes

sIMMPLy Lovaii - Expert with a Heart
Ep 005 : Deeper Conversations on Life's Financial Transitions: Retirement, Loss, and Business Sale

“Many people don't realize they're in a transition until it's pointed out to them. Whether it's retirement, the loss of a loved one, or selling a business, these are profound life events that demand more than just financial planning." - Lovaii Navlakhi

In this episode of Simmply Lovaii, financial expert Lovaii Navlakhi and Susan Bradley from the Sudden Money Institute delve into the complexities of financial transitions. From defining what it means to be a financial transitionist to exploring the emotional and practical impacts of major life changes, this episode offers invaluable insights into navigating these critical junctures.

What You Can Expect:

Gain a deeper understanding of how personal transitions intertwine with financial decisions. Discover practical strategies and emotional insights that can help you or your loved ones manage life's unexpected financial shifts with resilience and foresight.

Tune in to sIMMPLy Lovaii for expert advice on steering through life's financial transitions with clarity and confidence.

Show more...
1 year ago
23 minutes

sIMMPLy Lovaii - Expert with a Heart

Money can turn your dreams into reality. Earn, save and live your life just the way you want it. Simple, isn't it? Or maybe not so simple? It takes time, expertise, experience and never-ending vigilance to make your hard-earned money do your bidding. Here is Lovaii Navlakhi who brings you all of those to make it simple for you. Among the first certified financial planners in India and the first financial transitionist in Asia, he is passionate about helping you grow your money through dips and peaks, as also all those transitions life must undergo. And he set up International Money Matters Private Limited nearly a quarter century ago. Simmply the right person to have on your money side, right? In this podcast, Lovaii does what he loves best. He draws on his intimate knowledge of the cherished dreams and daunting financial challenges of thousands across the oceans and the decades. And unstintingly shares his wealth of experience to make a tangible difference in the quantity of your wealth and, consequentially, the quality of your life. Wherever you are or your wealth is in the world, Lovaii has the key to unravel what’s best for you. Lend an ear to his new podcast, “Simmply Yours.” Harvest ripe tips on how to make your money work for the life you want and deserve. And learn why money is not that simple to hold and grow unless you are willing to keep your eyes and ears always open, think and act smart. That's Simpply the natural way, when you are with Lovaii!