ESPAC - Financial Physician

ESPAC - Financial Physician Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from ESPAC - Financial Physician, Financial Consultant, 162/B/203 Lake Gardens, Flat no 23, Vaijayanti, KOLKATA.

ESPAC | ARN-110398 | AMFI Registered Mutual Fund Distributor

Financial Planning โ€ข Wealth Management โ€ข Retirement Solutions

Empowering investors with expert guidance across Mutual Funds, SIPs, Insurance, Bonds, Fixed Deposits, and Loan Against Securities

๐‚๐š๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐œ๐จ๐ซ๐ฉ๐ฎ๐ฌ ๐ ๐ซ๐จ๐ฐ ๐ž๐ฏ๐ž๐ง ๐š๐Ÿ๐ญ๐ž๐ซ ๐ฒ๐จ๐ฎ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ญ๐š๐ค๐ข๐ง๐  ๐ฆ๐จ๐ง๐ž๐ฒ ๐จ๐ฎ๐ญ ๐จ๐Ÿ ๐ข๐ญ?That question surprises a lot of people.โ†ช๏ธ W...
07/06/2026

๐‚๐š๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐œ๐จ๐ซ๐ฉ๐ฎ๐ฌ ๐ ๐ซ๐จ๐ฐ ๐ž๐ฏ๐ž๐ง ๐š๐Ÿ๐ญ๐ž๐ซ ๐ฒ๐จ๐ฎ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ญ๐š๐ค๐ข๐ง๐  ๐ฆ๐จ๐ง๐ž๐ฒ ๐จ๐ฎ๐ญ ๐จ๐Ÿ ๐ข๐ญ?

That question surprises a lot of people.

โ†ช๏ธ Watch this: https://www.youtube.com/watch?v=hlaWs0otuCE

For years, most investors focus on one thing.

"๐‘ฏ๐’๐’˜ ๐’…๐’ ๐‘ฐ ๐’ƒ๐’–๐’Š๐’๐’… ๐’‚ ๐’๐’‚๐’“๐’ˆ๐’† ๐’“๐’†๐’•๐’Š๐’“๐’†๐’Ž๐’†๐’๐’• ๐’„๐’๐’“๐’‘๐’–๐’”?"

But very few stop and ask: "๐‘พ๐’‰๐’‚๐’• ๐’‰๐’‚๐’‘๐’‘๐’†๐’๐’” ๐’‚๐’‡๐’•๐’†๐’“ ๐‘ฐ ๐’“๐’†๐’•๐’Š๐’“๐’†?"

Because retirement planning does not end when you reach your target corpus.

In many ways, that's where the next phase begins.

Your SIP helps you build wealth.

Your SWP helps you turn that wealth into an income stream.

The objective is not to accumulate money and let it sit idle.

The objective is to create a system where your money continues working for you, month after month, year after year.

That's the thought behind this visual.

A simple journey from accumulation to distribution.

From earning an income to creating one.

Take a look at this infographic. And if you've ever wondered how SIP and SWP can work together in a retirement strategy, the video above explains it in detail.

Someday your salary will stop.

๐Ÿ‘‰ The question is: Will your money continue working when you do?

ESPAC - ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐๐ก๐ฒ๐ฌ๐ข๐œ๐ข๐š๐ง
๐’€๐’๐’–๐’“ ๐‘พ๐’†๐’‚๐’๐’•๐’‰. ๐‘ถ๐’–๐’“ ๐‘น๐’†๐’”๐’‘๐’๐’๐’”๐’Š๐’ƒ๐’Š๐’๐’Š๐’•๐’š.

Every testimonial we receive is more than just feedback.It is a reflection of the trust our clients place in us with the...
05/06/2026

Every testimonial we receive is more than just feedback.

It is a reflection of the trust our clients place in us with their financial journey, dreams, and long term goals.

Thank you to each client who took the time to share their experience. Your kind words motivate us to continue serving with integrity, commitment, and care.

We remain dedicated to helping individuals and families make informed financial decisions with confidence.

Visit Us:
โ†ช๏ธ Lake Gardens Office: https://maps.app.goo.gl/Gc5yUpP8hJAP9oKY8
โ†ช๏ธ New Town Office: https://maps.app.goo.gl/8ZRiGHNzwsGeWx469

What if work became a choice instead of a necessity?The F.I.R.E Movement is changing how people think about money, inves...
03/06/2026

What if work became a choice instead of a necessity?

The F.I.R.E Movement is changing how people think about money, investing, and retirement: https://www.youtube.com/shorts/pPsedTbxXpE

F.I.R.E stands for ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ˆ๐ง๐๐ž๐ฉ๐ž๐ง๐๐ž๐ง๐œ๐ž, ๐‘๐ž๐ญ๐ข๐ซ๐ž ๐„๐š๐ซ๐ฅ๐ฒ.

Instead of waiting until 60 or 65, many people are building investment portfolios, creating passive income, and planning financial freedom much earlier.

In this short reel, discover:
- What F.I.R.E means?
- Why it is becoming popular worldwide?
- How investing and compounding play a major role?
- The mindset behind financial independence?

This is just a quick introduction. The complete in-depth video is ๐‚๐Ž๐Œ๐ˆ๐๐† ๐’๐Ž๐Ž๐ on this channel.

Most people donโ€™t hide diseases intentionally.They hide them, thinking: - โ€˜Itโ€™s just a small issue.โ€™- โ€˜Maybe it wonโ€™t ma...
31/05/2026

Most people donโ€™t hide diseases intentionally.

They hide them, thinking:
- โ€˜Itโ€™s just a small issue.โ€™
- โ€˜Maybe it wonโ€™t matter.โ€™
- โ€˜Claim toh ho hi jayega.โ€™

But ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ works on trust.

One wrong checkbox today, it can become a rejected claim tomorrow.

And during emergencies, that rejection does not hurt financially only.
- It affects your family.
- Your peace of mind.
- Your confidence.

A policy is not just paperwork. It is protection for the people you love.

So while filling out your health insurance form, please be honest about every pre-existing condition.

Because transparency today, it can save you from stress tomorrow.

Bataya aaj. Bachaya kal. ๐Ÿ‘

ESPAC - Financial Physician is guiding you towards smarter and safer financial decisions.

เฆ†เฆชเฆจเฆพเฆฐ เฆŸเฆพเฆ•เฆพ เฆ•เฆฟ เฆธเฆ เฆฟเฆ• เฆœเฆพเฆฏเฆผเฆ—เฆพเฆฏเฆผ invest เฆนเฆšเงเฆ›เง‡?โ†ช๏ธ WATCH NOW: https://www.youtube.com/watch?v=ZlZ_dg6A_8QRetirement planning, t...
29/05/2026

เฆ†เฆชเฆจเฆพเฆฐ เฆŸเฆพเฆ•เฆพ เฆ•เฆฟ เฆธเฆ เฆฟเฆ• เฆœเฆพเฆฏเฆผเฆ—เฆพเฆฏเฆผ invest เฆนเฆšเงเฆ›เง‡?

โ†ช๏ธ WATCH NOW: https://www.youtube.com/watch?v=ZlZ_dg6A_8Q

Retirement planning, tax saving, SIP, market risk, wealth creation, financial mistakes, smart investment strategy เฆจเฆฟเฆฏเฆผเง‡ เฆเฆ•เฆฆเฆฎ เฆ–เง‹เฆฒเฆพเฆฎเง‡เฆฒเฆพ Bengali discussion!

เฆเฆ‡ เฆฌเฆฟเฆถเง‡เฆท Bengali finance podcast-เฆ Somnath Pal (Founder, ESPAC - Financial Physician) เฆเฆฌเฆ‚ Mr. Nilanjan Dey (Managing Partner, Wishlist Capital ) เฆ†เฆฒเง‹เฆšเฆจเฆพ เฆ•เฆฐเง‡เฆ›เง‡เฆจ เฆเฆฎเฆจ เฆ•เฆฟเฆ›เง เฆ—เงเฆฐเงเฆคเงเฆฌเฆชเง‚เฆฐเงเฆฃ financial topics เฆฏเฆพ เฆ†เฆœเฆ•เง‡เฆฐ middle-class family, salaried employee, business owner เฆเฆฌเฆ‚ young investors-เฆฆเง‡เฆฐ เฆœเฆพเฆจเฆพ เฆ–เงเฆฌเฆ‡ เฆœเฆฐเงเฆฐเฆฟ.

เฆฌเฆพเฆ‚เฆฒเฆพเฆฏเฆผ เฆธเฆนเฆœ เฆญเฆพเฆทเฆพเฆฏเฆผ finance เฆถเง‡เฆ–เฆพเฆฐ เฆœเฆจเงเฆฏ เฆญเฆฟเฆกเฆฟเฆ“เฆŸเฆฟ เฆถเง‡เฆท เฆชเฆฐเงเฆฏเฆจเงเฆค เฆฆเง‡เฆ–เงเฆจ!

This ๐—•๐—ฎ๐—ธ๐—ฟ๐—ถ ๐—˜๐—ถ๐—ฑ, may your sacrifices bring peace.May your faith bring strength.And may your journey bring long term prosp...
28/05/2026

This ๐—•๐—ฎ๐—ธ๐—ฟ๐—ถ ๐—˜๐—ถ๐—ฑ, may your sacrifices bring peace.
May your faith bring strength.
And may your journey bring long term prosperity for your family.

At ESPAC, we believe true wealth is not built overnight. It is built with patience, with discipline, with thoughtful planning for the future.

Just like every meaningful investment grows with time, every meaningful relationship also grows with trust.

On this blessed occasion of ๐—•๐—ฎ๐—ธ๐—ฟ๐—ถ ๐—˜๐—ถ๐—ฑ, we wish you abundance in health, happiness, peace, and financial well being.

ESPAC remains committed to helping you plan today for a better tomorrow.

๐Ÿšจ ๐—ช๐—˜ ๐—”๐—ฅ๐—˜ ๐—›๐—œ๐—ฅ๐—œ๐—ก๐—šESPAC is looking for a dedicated and responsible ๐—ข๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—ฟ to join our growing team at our ๐—Ÿ๐—ฎ๐—ธ๐—ฒ ...
27/05/2026

๐Ÿšจ ๐—ช๐—˜ ๐—”๐—ฅ๐—˜ ๐—›๐—œ๐—ฅ๐—œ๐—ก๐—š

ESPAC is looking for a dedicated and responsible ๐—ข๐—ฝ๐—ฒ๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—ฟ to join our growing team at our ๐—Ÿ๐—ฎ๐—ธ๐—ฒ ๐—š๐—ฎ๐—ฟ๐—ฑ๐—ฒ๐—ป๐˜€ and ๐—ก๐—ฒ๐˜„ ๐—ง๐—ผ๐˜„๐—ป offices.

If you have experience in financial services operations and want to build a stable long term career in the finance industry, this opportunity is for you.

๐—ฅ๐—ฒ๐—พ๐˜‚๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜๐˜€:
โ€ข Experience in Mutual Fund and Insurance operations preferred
โ€ข Comfortable with spoken and written English
โ€ข Basic to advanced computer knowledge required
โ€ข Candidate should reside near South Kolkata or New Town area
โ€ข Motorbike preferred, but not mandatory

๐—ช๐—ต๐˜† ๐—๐—ผ๐—ถ๐—ป ๐—˜๐—ฆ๐—ฃ๐—”๐—–?
โ€ข Healthy work environment
โ€ข Good salary structure
โ€ข Career stability and long term growth
โ€ข Strong learning opportunities
โ€ข Balanced work culture

๐—–๐—ผ๐—ป๐˜๐—ฎ๐—ฐ๐˜:
๐Ÿ“ž 9820079611
๐Ÿ“ง [email protected]
๐ŸŒ ESPAC.in

Interested candidates can call directly or send their updated resume via email.

๐—ช๐—ถ๐—น๐—น ๐—บ๐˜† ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐˜€๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด๐˜€ ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐˜€๐˜‚๐—ฟ๐˜ƒ๐—ถ๐˜ƒ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ป๐—ฒ๐˜…๐˜ ๐Ÿฎ๐Ÿฑ ๐˜๐—ผ ๐Ÿฏ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€?That is the question most people avoid asking. Until...
21/05/2026

๐—ช๐—ถ๐—น๐—น ๐—บ๐˜† ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐˜€๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด๐˜€ ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐˜€๐˜‚๐—ฟ๐˜ƒ๐—ถ๐˜ƒ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ป๐—ฒ๐˜…๐˜ ๐Ÿฎ๐Ÿฑ ๐˜๐—ผ ๐Ÿฏ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€?

That is the question most people avoid asking. Until reality hits.

๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ is not about stopping work. It is about making your money work for you.

A lot of people spend decades building wealth. Very few build a proper ๐™ฌ๐™ž๐™ฉ๐™๐™™๐™ง๐™–๐™ฌ๐™–๐™ก ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ.

Thatโ€™s where ESPAC's ๐—ฆ๐—ช๐—ฃ ๐—–๐—ฎ๐—น๐—ฐ๐˜‚๐—น๐—ฎ๐˜๐—ผ๐—ฟ changes the game.

It helps you understand:
- How much you can withdraw monthly?
- How inflation impacts your retirement?
- How long your corpus may last?
- How equity and debt allocation affect stability?
- How to create predictable retirement income?

Smart investing is important. But smart withdrawal planning is equally important.

If you want to understand how SWP actually works in real life, watch this detailed guide: https://youtu.be/hlaWs0otuCE?si=tL5bxQa_BvkuqDzQ

What happens when finance meets practical wealth strategy?โ†ช๏ธ Podcast Trailer: https://www.youtube.com/watch?v=i7cwkxpNc4...
20/05/2026

What happens when finance meets practical wealth strategy?

โ†ช๏ธ Podcast Trailer: https://www.youtube.com/watch?v=i7cwkxpNc4Y

In this exclusive trailer, Mr. Somnath Pal, Founder of ESPAC - Financial Physician, sits down with Mr. Nilanjan Dey, Founder of Wishlist Capital, for an insightful conversation around finance, investments, wealth creation, financial awareness, and smarter money decisions.

Expect practical insights, real conversations, and meaningful perspectives around money management and financial planning.

Stay tuned with DESCโ‚นIBE [our official YouTube channel] for the full video. COMING SOON!

Most people want ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ด๐—ฟ๐—ผ๐˜„๐˜๐—ต.Very few are willing to survive the waiting season.Real wealth is often built during u...
17/05/2026

Most people want ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ด๐—ฟ๐—ผ๐˜„๐˜๐—ต.

Very few are willing to survive the waiting season.

Real wealth is often built during uncomfortable phases:
- when expenses are controlled
- when markets feel uncertain
- when patience feels difficult
- when discipline feels invisible

๐—”๐˜‚๐˜€๐˜๐—ฒ๐—ฟ๐—ถ๐˜๐˜† is not weakness.

Sometimes, it is the foundation of long term ๐—™๐—ฅ๐—˜๐—˜๐——๐—ข๐— .

For thoughtful insights on wealth, discipline, and financial clarity, connect with ESPAC, your ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฃ๐—ต๐˜†๐˜€๐—ถ๐—ฐ๐—ถ๐—ฎ๐—ป.

๐Ÿ“ฑ Call: 70034 75215
๐Ÿ“ Visit: espac.in
โœ‰๏ธ Mail: [email protected]

Address

162/B/203 Lake Gardens, Flat No 23, Vaijayanti
Kolkata
700045

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm
Saturday 10am - 6pm

Telephone

+919820079611

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