01
18+ Years Finance & Compliance Experience
Nearly two decades inside corporate finance — the same rigour, applied to family wealth.
Family Legacy ArchitectTM
Designing legacies
that outlive wealth.
A private legacy office for families and founders. Most people create wealth. Few create a legacy — Somen Paul architects the difference.
Legacy
Family wealth, structured.
Continuity
Income that never stops.
Stewardship
Heirs prepared, not surprised.
Impact
Purpose beyond portfolio.
Why Families Trust
Why families trust
Somen Paul.
Helping families make informed decisions around protection, growth, retirement, and legacy — through a structured Family Blueprint process.
02
US Accounting & Corporate Experience
Multi-jurisdiction financial discipline, translated into decisions that hold up across generations.
03
Creator of the Family Legacy TreeTM Framework
A structured way to see roots, trunk, branches and fruits of your family's financial life — in one view.
04
Personalized Family Blueprint Process
Every family receives a private Blueprint — not a template, not a product pitch.
05
Protection • Growth • Transfer Philosophy
A whole-family, whole-life lens: what you shield, what you build, and what you pass on.
06
Clarity Before Products
Conversations begin with values and goals. Implementation, only when the picture is clear.
The Distinction
Most people create wealth.
Few create a legacy.
Wealth is what you accumulate in your lifetime. Legacy is what continues after it. One is a portfolio decision. The other is an architectural one.
The Framework
The Family Legacy BlueprintTM
Six conversations every successful family should have. Enter where you stand today. Your Legacy Score is calculated live from these numbers.
Swipe to explore →
Conversation 01
Family Continuity
Mission Score
0
Life cover in place vs Human Life Value
₹0
₹3 Cr
Current
₹0
Target
₹3 Cr
Gap
₹3 Cr
Weight in Legacy Score
20%
What the numbers usually point toward
Layered term with MWPA structure + critical illness rider.
Know Your Numbers
Nine calculators. One clear picture.
Swipe to explore →
Calculator
Human Life Value
The present value of your future earning years. This is the coverage your family truly needs.
38 yrs
₹24.00 L
8%
Your Human Life Value
₹13.31 Cr
Today22 yrs to retirementAge 60
- Earning years left
- 22 yrs
- Current income
- ₹24.00 L
- Growth assumed
- 8% p.a.
- Lifetime earnings
- ₹13.31 Cr
Financial Knowledge Hub
Read. Reflect. Rebuild.
Foundations01
What Is Human Life Value?
The one number every earning parent should know — and most never calculate.
Read essay→6 min
Mindset02
Why Income Is Not Wealth
The quiet trap of high income and low net worth.
Read essay→5 min
Framework03
The 9 Non-Negotiable Financial Goals
The blueprint every Indian family should build on.
Read essay→7 min
Retirement04
The Cost Of Delaying Retirement Planning
Five years lost is not five years — it's half your corpus.
Read essay→5 min
Economics05
How Inflation Destroys Wealth
The silent tax that punishes savers and rewards planners.
Read essay→5 min
Data06
Inflation In India 2000–2025: The Index, The Damage
A year-by-year CPI index rebased to 2000 — and what ₹100 actually buys today.
Read essay→9 min
History07
India Market Crash History: What ₹1 Crore Would Have Looked Like
Every major crash of the last three decades — and why the investor who stayed put still won.
Read essay→10 min
India08
Legacy Planning For Indian Families
Wills, nominations, HUF, trusts — how they actually work together.
Read essay→8 min
Law09
MWPA Act Explained
The protection every married man in India should know about.
Read essay→6 min
Founders10
Business Continuity Planning
What happens to your company if you don't walk in tomorrow?
Read essay→7 min
Doctors11
Doctors Financial Planning Guide
Late starts, high income, thin protection. A practical playbook.
Read essay→7 min
NRI12
NRI Legacy Planning Guide
Repatriation, taxation, cross-border succession — done right.
Read essay→8 min
Investing13
Asset Allocation Across Life Stages
Why the right mix matters more than the right fund.
Read essay→6 min
Health14
Health Insurance Done Right
Base plus super top-up — the two-layer defence for Indian families.
Read essay→6 min
Tax15
Old vs New Tax Regime
The decision that quietly reshapes every long-term financial plan.
Read essay→6 min
Behaviour16
The Behaviour Gap
Why the average investor earns less than the average fund.
Read essay→5 min
About Somen
From supporting a family
to architecting them.
Somen's work didn't begin in a boardroom. It began at home — carrying family responsibility early in life, and learning first-hand what happens when income has no plan behind it.
Eighteen-plus years later, that same instinct is disciplined by deep expertise in corporate finance, compliance, risk management and financial planning.
The mission is simple — move families from financial uncertainty to financial clarity, and from clarity to legacy.
01
Corporate Finance
18+ years across finance, accounting and reporting for regulated businesses.
02
Compliance
Structures that hold up to audit, regulator and inter-generational scrutiny.
03
Risk Management
Downside architected first — every plan stress-tested against real-world shocks.
04
Financial Planning
Whole-family, whole-life view — translated into a written, measurable plan.
From The Blueprint Desk
What the numbers
usually reveal.
Finding 01
A 42-year-old paediatrician, Gorakhpur. Held Rs. 2 Cr of life cover against a family need of Rs. 6.64 Cr. Four of five family goals rested on his income continuing.
Finding 02
A 38-year-old founder-CEO, Bengaluru. Held Rs. 5 Cr of life cover against a family need of Rs. 12.4 Cr. Business succession was undocumented; the family plan assumed a continuity that had never been written down.
Finding 03
A 51-year-old dual-income couple, Kolkata. Retirement corpus tracking Rs. 3.2 Cr against a lifestyle-adjusted need of Rs. 8.1 Cr by age 60. Two of three post-retirement goals depended on assets not yet allocated.
Details changed to protect privacy. The arithmetic is unaltered.
Family Legacy Score
One number.
Six honest conversations.
Your Legacy Score updates live as you edit the six missions above. It's a weighted average of where you are today versus where your family needs you to be.
0
out of 100
Overall rating
Edit the six missions to see your score
Family Continuity
0
20%
Business Continuity
0
15%
Wealth Transition
0
20%
Family Governance
0
15%
Philanthropic Impact
0
10%
Next Generation Preparedness
0
20%
Private Family Legacy Review
Write to us.
A conversation begins here.
Either works. Some prefer to write first. Some prefer to talk.
Somen's direct email
connect@somenpaul.comWrite a note here, or reserve a private 30-minute conversation on Somen's calendar.
Prefer a quick chat? Message us on WhatsApp +91 73552 87458 · Mon–Sat, 10:00–19:00 IST