The Trusted Financial Advisory That Changed Everything | Harshal Patil’s Financial Transformation

Managing personal finances is often a challenge, especially for professionals juggling work responsibilities and long-term financial goals. For Harshal Patil, a software professional with over 13 years of experience, financial decisions were initially driven by impulse, limited knowledge, and reliance on influencers.

However, his journey took a transformative turn when he partnered with NS Wealth, a SEBI-registered investment advisor, and utilized Spring Money, a financial management app. Over two years, Harshal shifted from financial uncertainty to a well-structured, long-term wealth-building approach.

This is his story.

Harshal Patil discusses his financial journey in a testimonial for NS Wealth.

The Early Struggles: Confusion, Misguided Advice & Costly Mistakes

Like many professionals, Harshal had a superficial understanding of financial planning. His primary concern was tax savings, and he often made investment decisions based on popular advice without a structured approach.

"My agenda was tax saving. I didn’t look beyond how to reduce my tax outflows," Harshal admitted.

His reliance on influencer recommendations led to substantial losses.

"I invested ₹52,000 in five stocks based on a Marathi influencer’s advice. Six months later, my investment was worth ₹36,000. Today, years later, it’s still down by ₹4,000–₹5,000."

He also fell for aggressive sales tactics, purchasing a ₹1 lakh Club Mahindra membership that he never used. His financial journey was filled with impulse decisions and missed opportunities, which ultimately left him frustrated.

Discovering NS Wealth: A Life-Changing Recommendation

Harshal’s turning point came when his close friend Nikhil, whom he had known for 18 years, introduced him to NS Wealth.

"At first, I didn’t even know advisory companies like this existed. I had consulted CAs, attended seminars, and even watched finance YouTube channels—but nothing was truly helpful," Harshal recalled.

Skeptical but willing to experiment, he decided to give NS Wealth’s advisory services a one-year trial. This decision proved to be a game-changer.

Building Financial Discipline with Expert Guidance

With the expert advice of SEBI-registered professionals, Harshal’s financial approach went through a drastic shift.

1. A Structured, Goal-Based Approach

Unlike his previous scattered investments, NS Wealth helped Harshal create a structured financial plan based on his life goals rather than short-term trends.

Investing before spending: Harshal adopted a "Pay Yourself First" approach, ensuring that investments and savings happened before discretionary spending.
Prioritizing smart financial decisions: He learned that investments shouldn’t be impulsive but backed by research and long-term benefits.
Holistic financial planning: Instead of just focusing on investments, NS Wealth integrated tax planning, insurance, and long-term savings into his strategy.

2. Breaking Free from the Influence of Social Media Gurus

One of Harshal’s biggest takeaways was realizing that financial influencers often profit more from their content than their investments.

"I stopped watching financial influencer videos altogether. They create hype, but they don’t know my goals, my risk appetite, or my needs. Following them was a mistake."

This helped him cut through the noise, focus on fact-based advisory, and avoid speculative risks.

3. Making Informed Real Estate Decisions

Harshal was on the verge of purchasing a new flat while still holding an existing one. However, NS Wealth advised him to sell his first property before committing to another purchase.

"It’s been 1.5 years since I tried selling the flat, and I still haven’t been able to. If I had blindly bought another home, I would have been stuck in a financial trap."

This practical guidance prevented him from falling into unnecessary debt.

Key Lessons Harshal Learned

After working with NS Wealth for two years, Harshal’s perspective on financial planning has transformed completely.

1. Wealth Creation is a Long-Term Game

"There’s no magic bullet. You don’t become rich in 1–2 years. Compounding takes time, and discipline is key."

By shifting from short-term speculation to long-term strategic planning, Harshal now focuses on sustainable wealth-building.

2. Expert Advice is Worth the Investment

Before NS Wealth, Harshal was hesitant to pay for financial advice. But today, he recognizes the immense value of professional guidance.

"I initially felt the fees were high, but in reality, it’s a small price to pay for financial clarity and peace of mind."

3. Avoiding Emotional Investment Decisions

Harshal previously made decisions based on impulse, peer pressure, and market trends. Now, he follows a structured approach, ensuring every move is backed by research and not emotions.

4. Financial Planning = Freedom

By trusting the right advisors, Harshal has freed himself from the stress of constantly monitoring markets, making knee-jerk decisions, and worrying about finances.

"I no longer spend my time checking my portfolio 10 times a day. I focus on my work, and I trust the experts to handle my money."

Advice for Young Professionals

Harshal strongly advises young professionals to start financial planning early and avoid common pitfalls:

✔ Don’t blindly follow influencers—their advice is generic and not tailored to your financial needs.✔ Test advisory services for a year—experience the value before making judgments.✔ Prioritize financial planning over speculation—long-term stability is more important than quick wins.✔ Invest before spending—treat your investments like an EMI and build disciplined habits.

"If you don’t know how to start, just seek expert help for a year. The difference will be life-changing."