Independent life, health and retirement planning
Protect your tomorrow, starting today.
A personalized financial analysis, then clear guidance to secure your family's future. Independent, honest advice from Shree Guru Financial Services.
Call Kishore Masand · 770-235-8262
Metro Atlanta-based · Multi-state licensed · Serving families nationwide
What we help you protect and pass on
Four pillars of a secure financial life. We help you strengthen all four.
Life
Protect the people who depend on you with life insurance built around your family's needs.
- Term, whole & indexed universal life
- Income & mortgage protection
- Living benefit riders
Health
ACA (Obamacare), Medicare, and long-term care coverage so an illness never derails your finances.
- ACA / Marketplace plans
- Medicare & Medigap guidance
- Long-term care planning
Wealth
Retirement, savings, and wealth strategies that help your money grow and last.
- 401(k) & 403(b) rollovers
- Annuities & IUL strategies
- Tax-efficient withdrawals
Legacy
Wills, trusts and powers of attorney, written for your state so your family is never left guessing.
- Wills & living trusts
- Powers of attorney & directives
- Beneficiary forms checked
A simple, personal process
Three steps, at your pace. Nothing gets recommended before it's explained, and nothing gets decided in one sitting.
Financial analysis
We start with a free, no-pressure review of your income, protection gaps, and goals.
A clear plan
You get a straightforward roadmap tailored to your family, budget, and timeline.
Ongoing guidance
We put the plan in place and stay with you, adjusting as life changes.
Your family's security shouldn't be left to chance
Most people are underinsured and unsure where to start. A short conversation can reveal exactly where you stand, and the practical steps to fix it.
Trusted by families like yours
Honest guidance, real peace of mind. Here's what clients say.
“Kishore sat down with us and made the whole thing simple. For the first time we actually understand our life insurance and retirement plan in a way that fit our budget. We appreciate that he took the time to go through the details without pressuring us into anything.”
“I had some existing policies, but wasn't sure if I was covered to protect my business and my family. The free analysis showed me exactly where the gaps were, and Kishore gave me real peace of mind.”
“We came in without a plan, and now we feel confident that we are on the right path. Life, health, college savings, all these are hard to set up in a way they all work together. Kishore checks in as our life changes. Highly recommend.”
“After my husband passed, I wanted to make sure I had enough income for retirement. I was overwhelmed. Kishore was patient, kind, and explained everything clearly. He made planning a lot easier.”
“I joined the industry with zero experience. Kishore has been mentoring me through licensing and training, and now I'm building a real business! I get to help families and I'm learning more each day. Best decision I made.”
“Honestly I thought I couldn't afford good coverage, but I learned there's more options out there than I knew. Kishore and I built a plan that grows with me. I finally feel financially secure.”
Practical reads on money and planning
Your Immigration Status Now Decides Your 2027 ACA Subsidy
From January 2027, your immigration status decides whether you get help with your marketplace bill. Who is still on the list, and what to check before November.
One Dollar Over, and Your Health Insurance Help Stops
The cutoff for help with marketplace premiums is back, and one dollar over it costs a family thousands. Where the line sits for 2027, and why your income estimate is the number that matters.
Your Life Insurance Can Pay Out Before You Die
Most life insurance is sold as a payout for when you die. Living benefit riders let a policy pay out while you're still alive, for a critical, chronic or terminal illness diagnosis. Almost nobody knows to ask about it.
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