Financial hygiene: the habit that quietly builds wealth.
Most money problems aren't investment problems — they're organization problems. For twenty years this has been the discipline our practice runs on; the Financial Hygiene Program packages it for your family: one control file, one calendar, one repeatable cycle.
MPrivilege vs FHF Lite
Same discipline, two levels of involvement from us. Whichever you pick, the method is identical — the one we've refined across two decades of client files.
| What happens | MPrivilege (Full-Service) | FHF Lite (Self-Service) |
|---|---|---|
| Setup | Advisor-led — we build your Financial Control File with you. | Self-guided with our templates and checklists. |
| Planning & Review | Yearly one-on-one review with your advisor. | Self-review checklist; optional paid advisor call. |
| Execution | Advisor-handled through the NJ Wealth platform. | Self-managed, with our guides. |
| Monitoring | Advisor-prepared reports, twice a year. | Self-check framework; optional advisor add-on. |
| Control File upkeep | Maintained by Accord. | Maintained by you, on our structure. |
| Best for | Families, HNI clients, business owners. | First-time investors, younger households, cost-conscious clients. |
| Pricing | Pricing under finalization — contact us for current details. | |
MPrivilege — advisor-led
Your advisor personally builds and maintains the Financial Control File, runs your yearly review and prepares every monitoring report. That work doesn't scale, so we accept a limited number of new MPrivilege families at a time — we'd rather serve fewer families properly than many families thinly. If intake is full, we'll tell you honestly and hold your place.
Ask about current availability →FHF Lite — the easy first yes
Self-paced on our templates, with optional advisor calls when you want them. Begin this week, build the habit, and upgrade to MPrivilege whenever it feels obvious — your control file carries over exactly as it is. Nothing restarts; nothing is wasted.
Start with FHF Lite →Three steps, each one small
Nobody reorganizes their financial life in one leap — and we'd never ask you to. Each step is complete in itself; take the next one only when the last one has proven itself.
Take the Free Hygiene Check
Thirty minutes. You leave with a one-page snapshot and our starter checklist — free, keep them either way. What's included ↓
Run FHF Lite for a cycle
Build the control file on our templates at your own pace. If the habit sticks — and it usually does — you'll know.
Upgrade when it's obvious
When you want an advisor carrying the file, reviews and reports for you, MPrivilege is the natural next step. Your file moves with you.
Why "hygiene"?
Brushing twice a day beats emergency dentistry. The same is true of money: small, scheduled acts of financial upkeep — documented, reviewed, repeated — prevent the expensive emergencies. The Program turns that upkeep into a system, so it happens even in busy years. It's how organized Ahmedabad households quietly stay organized — and it's far easier to keep up than to catch up.
Everything in one place
Investments, insurance, liabilities, nominees, documents — a single organized picture instead of forty scattered logins.
Risk capital isolated
Essential family finances are separated from risk capital, so ambition never endangers the essentials.
A calendar, not willpower
Reviews, renewals and rebalancing happen on schedule — the system remembers so you don't have to.
The four-phase cycle
The Program runs as a continuous annual loop:
Setup
Build the Financial Control File: consolidate every account, policy, asset and liability into one structure.
Planning & Review
Test the plan against goals and life changes; set the year's actions.
Execution
Carry out the actions — investments, insurance, paperwork — cleanly and on time.
Monitoring
Twice-yearly checks confirm everything is on track — then the cycle repeats.
What's in the Financial Control File
Net-worth statement
Every asset and liability, valued and dated — updated each cycle.
Goal map
Each goal linked to instruments, timelines and monthly amounts.
Insurance register
All policies, sums assured, premiums, renewal dates and nominees in one table.
Document vault index
Where every important document lives — and who knows how to find it.
Annual financial calendar
Renewals, tax dates, review dates — the year, pre-planned.
Emergency protocol
If something happens to you, your family knows exactly what exists and what to do.
Proof, not promises
Twenty years, one method
The Program isn't a new product — it's the discipline our practice has run on since 2006, written down so your family can run on it too.
The second generation is joining
The strongest evidence we can offer: children of our earliest clients now bring their own households to the same process their parents used.
Built here, for households like yours
Designed in Ahmedabad for Ahmedabad and Gujarati families — bilingual, local, and forty minutes from GIFT City. We're part of the same community we plan for.
The Free Financial Hygiene Check
Before you commit to anything, we'll give you something worth keeping. Thirty minutes with an advisor — and everything below goes home with you, whether or not we ever meet again.
Your one-page snapshot
Assets, liabilities, insurance and gaps mapped on a single page — most families have never seen theirs.
Your two biggest gaps, named
Plainly, with what fixing each would take — with us or without us.
The starter checklist
The same checklist FHF Lite begins with. Yours to keep and act on, either way.
Why we built this
Our mission is simple: no Accord family should ever be financially disorganized — because disorganization, not markets, is what quietly destroys most household wealth. Our vision is a generation of Ahmedabad households where financial hygiene is as normal as an annual health checkup.
The first conversation is free. The checklist is yours either way.
Thirty minutes with an advisor, a look at how organized your finances really are, and our starter checklist to take home — whether you join MPrivilege, start with FHF Lite, or simply do it yourself.
Start with MPrivilege Ask about FHF Lite