The Challenge:

Despite her sharp analytical skills as a VC Principal, Shivani felt stuck when it came to her own finances. Retirement planning felt overwhelming, Danish investment nuances confusing, and a demanding job left her with little time to make clear investment decisions.

Our Solution:

Together, we designed a simple yet powerful wealth system tailored to her values and Denmark’s financial framework:

Phase 1 - Values Alignment: Clarified core values (fairness, equality, ambition, accountability, curiosity) and aligned financial goals including home purchase and long-term portfolio building.

Phase 2 - Danish Tax Optimization: Navigated complex Danish investment taxation including Aktiesparekonto (ASK) account setup for preferential 17% tax rate vs. standard 27-42%. Researched local high-rate savings options and verified optimal account structures with bank relationship manager.

Phase 3: Built a “Spending Reservoir System” — a one-number budget that automates saving and investing, eliminating the need to track 30+ categories.

Financial Transformation:

• Projected +573,000 DKK in long-term investments with minimal ongoing effort.

• Emergency fund set on autopilot (60,000 DKK target with steady monthly contributions).

• Opened tax-advantaged ASK account with optimal Danish investment structure

• Clear, stress-free plan for buying a home and funding her future.

• Most importantly: confidence and clarity — no more paralysis, just decisive action.

Life Impact Beyond Numbers:

• Created sustainable financial system for life - no more manual budget tracking or financial overwhelm

• Gained clarity on major life decisions including home purchase timeline and wedding planning with confidence

• Enhanced decision-making through net worth awareness enabling bolder choices from position of financial strength

• Developed automated money management requiring minimal ongoing maintenance while building wealth systematically

Important Disclosure:

Danish tax considerations mentioned are for educational purposes only and do not constitute tax advice. Always consult qualified Danish tax professionals for personal situations.

Here's what Shivani had to say:

“Sanam has a rare talent: she turns jargon into clarity. She turned my fear into action, and now I'm building a solid investment portfolio on my terms. I feel confident and calm about my financial decisions."