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. S immpl y 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, “S immpl y 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 S imppl y the natural way, when you are with Lovaii!
Listen to episodes
25 recent
April 2, 2026Episode 2531 min
25: Ep 025 : Real Stories. Real Money Journeys
What does it really take to build financial confidence?What it takes to reach the stage of saying - “The thought that I can retire gave me freedom, not the act of retiring itself.”In our latest episode of IMMPL Client Series – The Originals, we bring you a candid and deeply insightful conversation with Prakash & Supriya our clients for over 25 years.From Bangalore to Qatar, Denmark, France, and Uganda, their journey with IMMPL has remained constant, managing global careers, evolving life stages, and complex financial transitions with clarity and discipline.This is not theory. This is lived experience.Listen now on Spotify and take your first step towards financial clarity and freedom.
September 10, 2025Episode 2416 min
24: 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
August 18, 2025Episode 2323 min
23: 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
July 25, 2025Episode 2227 min
22: 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
July 11, 2025Episode 2127 min
21: 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
June 19, 2025Episode 2020 min
20: 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 countriesWhether 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
June 3, 2025Episode 1927 min
19: 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.
May 12, 2025Episode 1828 min
18: 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 SnapshotAfter 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
April 28, 2025Episode 1720 min
17: 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.
April 15, 2025Episode 1620 min
16: 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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