After years of managing their finances independently, Colonel K Kiran and his wife, Michelle Ann Kiran, reached a turning point. With important family milestones on the horizon – their children’s education, marriage, and long-term financial security, they began looking for more than just investment options. What they truly sought was a trusted partner who understood their life stage and offered structured, long-term financial clarity.
A Trusted Recommendation That Marked the Beginning
Their journey with Hum Fauji Initiatives (HFI) began in 2023, following a conversation with Colonel Anuj, a fellow officer and long-time HFI client. Hearing about the team’s integrity, transparency, and tailored approach to financial planning gave them the confidence to explore further. What started as a recommendation soon turned into a decision that Col Kiran now calls “both timely and impactful”.
From Concern to Confidence: A Financial Roadmap with Purpose
From the very first interaction, the experience with HFI stood out. The team took time to understand the couple’s goals in depth and helped design a realistic plan aligned with their aspirations. Every recommendation was rooted in sound logic, explained clearly, and paced according to their comfort.
“Promptness and genuineness are the hallmarks of the team,” Col Kiran shared, appreciating the consistency and responsiveness he received at every step.
Practical Tools and Consistent Support that Empowered Decision-Making
While most of their interactions happened over the phone and email, the Investment Action Plan proved to be an invaluable resource, detailed yet easy to understand. It helped them navigate their early steps into long-term financial planning with clarity and confidence.
They also found immense value in the regular market insights and investor updates shared by HFI’s CEO, Col Sanjeev Govila (Retd), through video messages, newsletters and other resources in the HFI Knowledge Hub. For a family still taking its first steps into structured investing, these thoughtful communications made a real difference.
More Than a Service: A Partnership Built on Shared Values
As their comfort and confidence in the process grew, so did their belief in the mission of Hum Fauji Initiatives. For Col Kiran, this was never just about financial returns – it was about finding a team that understood the unique needs of armed forces families and offered guidance rooted in clarity, transparency, and long-term thinking.
Today, Col Kiran is more than a client, he is also a vocal advocate, believing that many more officers and their families can benefit from the thoughtful, personalised approach that HFI provides.
As their journey continues, both Col Kiran and Michelle Ann Kiran are reassured in the knowledge that they’ve chosen a partner who shares their values of integrity, service, and steadfast commitment to their clients’ futures.
In his words: “You are doing a great job and service. Please continue to invest and do good to the organisation.”
