Samatva Wealth Management

05/31/2026

Dear friends,

Why Personal Finance Is Very Important for women and what they can learn from the Tamil Movie *Thaai Kizhavi* (GrandMother - முதிய பெண்/பாட்டி) - Written
By Jeyamariappan Ganapathy, CFA | Registered Investment Advisor | Samatva Wealth Management LLC Business CPA & CFO Services | Tax Filing | Business Incorporation | Bookkeeping | Personal Finance & Estate Planning | NRI Fund Repatriation

Most recently I watched the Tamil movie *Thaai Kizhavi* and was very impressed by the storyline. It captured why learning personal finance plays very important role for women from India and those who have migrated from India to the USA or other countries.

1. Financial Independence Is Freedom

The film's strongest message is that women should strive for financial independence. A woman who can earn, save, invest, and manage money has greater control over her life and decisions.

2. Self-Respect Matters

The protagonist refuses to live as a burden on others. The film encourages women to maintain dignity, self-respect, and confidence regardless of age.

3. Age Does Not Reduce a Woman's Value

4. Mothers Are Individuals Too

Mothers are not defined solely by their role as caregivers. They have their own dreams, struggles, choices, and right to enjoy life on their own terms.

A woman's greatest security is not dependence on family or children, but her own financial independence, self-respect, and ability to make choices for herself.

If you are a woman who is currently not handling any personal finance for yourself and your family, and you completely leave it or outsource it to your husband, please start following the simple steps to gain your basic knowledge and understanding of personal finance which is a critical skill you will need throughout your life. My content will mostly help the women living in the USA. . I have covered how to manage bank accounts, short-term and long-term investments, how to manage income and expenses (paying bills) & budget planning, education about financial scammers, taxes and kids' college planning.

1. Set up a separate bank checking account under your name and start saving few hundred to few thousand dollars and learn how to transfer the funds from one bank account to another bank account and learn how to make digital payments using Zelle, Venmo, PayPal or cash apps in the USA or GPay or Paytm apps in India. Learn these payment apps by doing transfers of $1 or $2 between your friends or your kids or your husband's account. You can start the bank account with credit union banks and it requires a minimum of $5 or $10 balance and they do not charge any minimum balance fees and not many hidden fees as compared to the big banks. When someone else is requesting you to share your bank details for depositing money that you do not own, please do not share it and it will most likely be a financial scam and you will end up losing your money and mental peace. If anyone is promising guaranteed returns through investments in a very short period (quick rich schemes) please be careful and stay away from them. If you do not understand any investment deals from strangers, please walk away from it and talk to your trusted advisors or trusted friends and learn from them.

2. Aware of financial scammers and learn to stay away from them, which is very important. It will get more dangerous as scammers are starting to use the power of AI to scam their victims.

3. Understand how retirement accounts like 401k, Traditional IRA, ROTH IRA, Rollover IRA, SEPIRA or solo 401k or 457 or brokerage accounts work and how to do the withdrawals from these accounts and understand the tax impacts before making any withdrawals. Pretax retirement accounts, you will be taxed as per your top taxable income tax rate when you withdraw it along with a 10% penalty if you withdraw it before you reach your age of 59.5 years. Tax planning is very important before executing your withdrawals from pretax retirement accounts or liquidating the positions under your brokerage accounts. Get familiar with tax forms like 1099-R, 1099-INT, 1099-DIV, and 1099-B from your brokerage firms and the banks and you have to file these forms as part of your annual tax returns along with your W2 salary income. Learn how to file your taxes.

4. Set up multi-factor’s authentication for all your bank and investment accounts and handle your login details carefully. Make a photocopy of your debit, credit cards both front side and back side so that you can call your banks to freeze these cards if you lost it during your travel.

5. Learn how to change the investment allocation under your 529 college savings account depending on your kid’s financial needs and HSA health savings account based on your medical expenses needs and you can roll over up to $35k from 529 accounts to your kids ROTH IRA account.

6. Learn how to make the mortgage payment, how to pay the property tax and HOA fees and home insurance. Failing to pay your home's property tax could drag your home into foreclosure.

7. You should have the critical contact information for your spouse’s HR benefits customer service, mortgage loan servicer, fiduciary financial and tax advisor, CPA, Auto/home and life insurance claims department contact and save all their phone or email address information and keep it up to date.

8. If you have minor kids who depend on your income, spend time understanding the importance of the right term life insurance coverage (which is a MUST), WILL and Trust and find out how it can be used for your family financial risk mitigation and estate planning and inheritance. Do not get into complex financial products that might not be suitable for you and your family. Please consult with a Fiduciary advisor before getting into any financial products-based investments.


I have a very humble request to a dad or husband or brother, please share this post with your daughter or spouse or sister.

I hope this post helps you and your family.

Jeyamariappan (Mari) Ganapathy, CFA Samatva Wealth Management | Registered Investment Advisor Website: www.samatva.us | Email: [email protected] | WhatsApp: 301-758-4052 Facebook: www.facebook.com/samatva.us | eBook & Blogs: www.samatva.us/blogs

Financial–December 7, 2022 EBOOK – Tax savings/Financial/ Retirement/ Investment Planning Guidance Financial–November 23, 2022November 23, 2022 A comprehensive review of your personal taxes + View All

05/29/2026

05/23/2026

How to Manage Your Business Cash Flows and Capital Effectively?

By Jeyamariappan Ganapathy, CFA | Registered Investment Advisor | Samatva Wealth Management LLC Business CPA & CFO Services | Tax Filing | Business Incorporation | Bookkeeping | Personal Finance & Estate Planning | NRI Fund Repatriation

Whether you're running an established business or just starting out, mastering cash flow management is one of the most critical skills you can develop. Poor cash flow — not lack of profitability — is the leading cause of business failure. This blog will walk you through practical strategies to manage your capital, grow revenue, control expenses, and protect your margins. If you do not have a CFO or business or Tax advisor, please feel free to reach out to [email protected]. We can help your business implement these strategies, minimize risk, and enhance your long-term success.

Why Cash Flow Management Matters

Positive cash flows are the lifeblood of any business. Without them, even a profitable company on paper can collapse. Here's how to build a strong foundation:

Start with clean bookkeeping. Use Excel or QuickBooks or Zoho Books to track every dollar in and out. Open a dedicated business bank account and keep it completely separate from your personal finances. Mixing the two creates tax headaches, audit risks, and confusion when you need to make strategic decisions.

Without proper bookkeeping, you will face challenges at every stage — from tax preparation and IRS audits to securing loans or attracting buyers if you ever decide to sell or pursue a merger.

Review your P&L every month and every quarter. Ask yourself:

Are accounts receivable (sales) and accounts payable (expenses) trending up or down?
Which customer segments are driving growth — or decline?
What does your receivables aging look like? Are customers paying on time?
Are you managing vendor payment timelines to avoid a liquidity crunch?
Eight Strategies for Stronger Cash Flow

1. Understand your revenue drivers. Identify which customer segments consistently generate growth and double down on marketing spend for those segments.

2. Monitor aging metrics. Analyze both accounts receivable aging (from customers) and accounts payable aging (to vendors). This discipline is what separates businesses that thrive from those that run out of cash despite healthy sales.

3. Pursue strategic partnerships. Continuously seek joint-venture and referral opportunities to expand market share without proportional increases in cost.

4. Build budgets and forecasts. Forecasting is not just for large corporations. A 12-month rolling forecast helps you anticipate shortfalls and make proactive decisions.

5. Evaluate M&A opportunities. Keep an eye on acquisition targets or merger opportunities that can accelerate growth and increase your business valuation. Always conduct thorough due diligence before proceeding.

6. Plan for taxes proactively. Know how much you owe to the IRS and your state — and explore legal strategies to minimize your tax burden before year-end.

7. Leverage AI tools. Use AI to improve hiring decisions, boost employee productivity, and streamline marketing, customer service, social media, and contract management.

8. Stay consistent — the compounding effect is real. Improve your business just 1% every day. By the end of a year, you'll be 37 times better than where you started. The power of compounding applies to business growth just as much as investing.

How to Grow Your Sales Revenue

Winning new clients takes persistence. A Notre Dame University study revealed a striking truth about sales follow-through:

44% of salespeople quit after the 1st attempt
24% quit after the 2nd attempt
14% quit after the 3rd attempt
12% quit after the 4th attempt
That means 94% of salespeople never make it past four attempts — yet 60% of all sales are closed after the fourth contact. Share this data with your sales team. It's a powerful motivator.

Build a presence at industry events. Find expos and conferences relevant to your product or service. Set up a vendor booth, showcase your offerings, and build relationships with potential clients and partners. Consistency matters — you won't close deals at your first event, but trust compounds over time.

Nurture leads who didn't convert. Track contact information for every lead. Share blog content periodically, inform them about new services, and stay top of mind. Many clients who said no initially will say yes after the fourth or fifth touchpoint — and they can also refer others in the meantime.

Managing Business Expenses

Growing revenue matters little if expenses eat away the gains. Be intentional about costs:

Focus on your two biggest expense lines. For most businesses, these are labor and rent. Find creative ways to manage both without sacrificing quality.

Hire carefully and deliberately. The rule of thumb: the incremental revenue from a new hire should be at least twice their cost. Only make an offer when you have six months of payroll in the bank. This protects you from cash crunches after bringing someone on.

Grow organically where possible. Rapid, debt-fueled expansion increases risk. Sustainable, profitable growth builds lasting enterprise value.

Manage debt and interest expense carefully. Leverage can accelerate growth, but it can also amplify losses. Know your debt service obligations and maintain a comfortable cushion. During COVID, a huge number of businesses with enormous debt leverage failed because they could not pay interest and declared bankruptcy.

Protecting Your Profit Margins

Margins are not just a financial metric — they're your business's breathing room. Thin margins mean any disruption (lost client, unexpected expense, economic slowdown) can push you into negative territory.

Set pricing that reflects the real value you deliver to clients
Resist the temptation to discount just to win business
Provide exceptional value, and clients will pay for it
Managing a business is a discipline that rewards those who pay attention to the details — cash flows, margins, expenses, and sales persistence. I hope this helps to grow your business. If you do not have a CFO or business or Tax advisor, please feel free to reach out to [email protected]. We can help your business implement these strategies, minimize risk, and enhance your long-term success. If you are paying a lot of taxes, please reach out to me and I will share a TAX savings EBOOK with you so you can use those strategies to plan your taxes for TA2026.

Jeyamariappan (Mari) Ganapathy, CFA Samatva Wealth Management | Registered Investment Advisor Website: www.samatva.us | Email: [email protected] | WhatsApp: 301-758-4052 Facebook: www.facebook.com/samatva.us | eBook & Blogs: www.samatva.us/blogs

04/30/2026

https://youtu.be/m0Q-47JVBdE?si=WEv8PT588npDqBSZ

04/30/2026

🎙️ ATEA EMERGE 2025 | Podcast Spotlight

We’re excited to share another insightful podcast from ATEA EMERGE 2025, featuring Jeyamariappan G, Founder & CEO of Samatva Wealth Management, in conversation with Uma Muthu.

In this engaging discussion, Jeyamariappan shares valuable perspectives on wealth management, financial planning, and building long-term financial stability for individuals and businesses. From investment strategies to retirement planning and financial discipline, the conversation highlights how structured financial guidance plays a critical role in achieving sustainable success.

This podcast also emphasizes the importance of aligning financial decisions with life goals, empowering entrepreneurs and professionals to make smarter, future-focused choices.

🎥 Watch the full video here:
https://youtu.be/m0Q-47JVBdE?si=WEv8PT588npDqBSZ

🙏 Special thanks to JK Visual Craft for capturing and producing this podcast.

👉 Stay tuned for more podcast videos from ATEA EMERGE 2025!

04/19/2026

Dear entrepreneurs,

Why financial & legal due-diligence are very crucial before investing in a franchise business or any existing business? - Written by Jeyamariappan Ganapathy CFA
Registered Investment Advisor, Samatva Wealth Management LLC, – Business CPA & CFO services, tax filing and CFO consulting, business incorporation & taxation and savings, bookkeeping, and personal finance and estate planning.

If you plan to enter or in the process of entering the franchise business by either buying a new franchise directly from the franchisor or existing franchise or non-franchise business operated by current owner please consider my below recommendations and it can help you.

In both cases, it is very important to perform both legal and financial due diligence before signing an agreement. I have captured important due-dilligence points and recommendations for your reference. Please use these as guidance to invest in the right business.

Find out the reason for selling their existing operating franchise or non-franchise business.

Deals involving sales for reasons other than death, divorce or disease have a high chance of failing.

You can consider buying an existing business to acquire the customers and upsell your current products and services. The benefits from the M&A deal should outweigh the costs of acquisition.

Domain knowledge is very important. You can acquire this knowledge by working for a few months at a franchise you plan to start, or by talking to current or previous franchise owners to understand their challenges and learn from their mistakes.

You can find out the initial startup costs, the franchisor's customer support quality, any hidden fees etc.

Hiring a top-notch first resource for your team is critical for your long-term success

Build the relationship with vendors and partners using consistency and patience approach

Biggest challenges --- staffing - retaining the employees

Location decides 90% of your success – spend quality time to analyze population growth and local competition, purchasing power of demographics,

Watch for upfront costs and try to keep them minimal.

Fastest franchise with respect to growth in a year

Expand locations by reinvesting earnings and maintaining a healthy ROI (Return On Investment)

Switching from a 9-to-5 job to becoming an entrepreneur could be very challenging initially

Besides making money, finding out how much impact or value we can provide to the community makes a lot of difference.

Be part of the franchise ecosystem and you can learn a lot from them and apply their learning to solve your day-to-day business problems.

Franchise model works when the franchisor has good systems and tools and better process in place for their franchisee

If you are buying an existing franchise or non-franchise business, please request audited financial statements, tax returns, a balance sheet, profit & loss statements, a payroll report, and the lease agreement. Then, perform thorough financial auditing of all the financial statements and identify any red flags.

Quality of earnings is very important and analyze recurring income versus one-time income, and recurring expenses versus one-time expenses, cash versus non-cash expenses etc.



Legal due diligence is very important and review all customer or supplier agreements related to sales, services, or tenancy.

You can find out good franchise buying opportunites through

Industry-specific brokers & M&A advisors

Local business networks

Chambers of Commerce

Industry associations (food & beverage groups, manufacturers’ associations, etc.

Private Facebook/WhatsApp groups for business owners in your country or region

Events, golf clubs, or rotary-style groups where established owners network

Online marketplaces

BusinessesForSale
BizBuySell
Franchise Direct
FranchiseOpportunities.com
Franchise Gator
Entrepreneur.com

If you need any help with financial or legal due-diligence for franchise or non-franchise business investments, please reach out to us; our great team is happy to assist.

Thanks

Mari

Jeyamariappan Ganapathy, CFA

Samatva Wealth Management

Registered Investment Advisor

www.samatva.us

WhatsApp: 301-758-4052

Email: [email protected]

www.facebook.com/samatva.us

EBOOK: www.samatva.us/blog

Financial–December 7, 2022 EBOOK – Tax savings/Financial/ Retirement/ Investment Planning Guidance Financial–November 23, 2022November 23, 2022 A comprehensive review of your personal taxes + View All

03/28/2026

Dear friends,

Why is estate or succession planning very important for NRI women regarding their assets in India?

Written by Jeyamariappan Ganapathy, CFA Registered Investment Advisor, Samatva Wealth Management LLC, – Business CPA & CFO services, tax filing and CFO consulting, business incorporation & taxation and savings, bookkeeping, and personal finance and estate planning.

Please watch the Gopinath interview below with the succession planner from India and it may help you and your family. It is a very lengthy interview. If possible, watch at least the last 30 minutes; he covers very important points for NRIs.

https://www.youtube.com/watch?v=r1K38nIgALo&t=4s

I have summarized important items from his interview below.

Estate planning or Succession is very important for families living in the USA. In India, the government has close to Rs. 2 lakh crore rupees are unclaimed funds and in the USA, across all states, they have around $100 billion in unclaimed funds. The unclaimed funds above result from no estate planning or succession planning or the individuals did not set up any will or trust. 90% of Indians do not set up a will or trust.

You must understand that a Will and TRUST set up in the USA will not cover the assets in India. Estate laws are completely different in India and in every state in the USA.

If you do not have a WILL in India, it will significantly impact women, as they will inherit one-fourth, one-third, or one-sixth of the property, depending on their religion. If your objective is for your spouse to inherit your wealth after you die, you must write a WILL or set up a private trust in India and register your will at the registrar or sub-registrar office. For women, writing a will or trust in India is even more important because the inheritance laws often differ significantly from their wishes.

If you want to understand how Indian Inheritance Calculation Based on Succession Laws works, use the interactive website tool below to see how much your spouse will get if you do not have a will.

https://www.truelegacy.in/

Wills and trusts are also very important estate planning tools for those in the USA with minor children and assets. A will takes care of minor kids' guardian assignments and a trust helps you avoid the probate process.

I hope this helps you and your family.

Thanks
Mari
Jeyamariappan Ganapathy, CFA
Samatva Wealth Management
Registered Investment Advisor
www.samatva.us
WhatsApp: 301-758-4052
Email: [email protected]
www.facebook.com/samatva.us
EBOOK: www.samatva.us/blogs

Financial–December 7, 2022 EBOOK – Tax savings/Financial/ Retirement/ Investment Planning Guidance Financial–November 23, 2022November 23, 2022 A comprehensive review of your personal taxes + View All

03/14/2026

Dear friends,

BUSINESS TAX SAVING TIPS FOR TAX2025 before March 16th Deadline - Written by Jeyamariappan Ganapathy, CFA - - Written by Jeyamariappan Ganapathy, CFA Registered Investment Advisor, Samatva Wealth Management LLC, – Business CPA & CFO services, tax filing and CFO consulting, business incorporation & taxation and savings, bookkeeping, and personal finance and estate planning.

We still have one day (March 16th) to complete business tax returns for partnerships and S-corporations, and four weeks (April 15th) for C-corp tax returns for tax year 2025.

You can still save a lot on taxes by implementing the following strategies.

•You can file an extension today for your business tax return and personal tax return, extending the deadline to September 15th and October 15th respectively
•If you have a business - you can still do SEPIRA or solo 401k - Max: $70,000 contribution and DB plan set up and contribute up to $275,000
•If you have a business and running a payroll, you can still contribute employer solo 401k contribution which is 25% of the payroll
•Traditional IRA or Back-door ROTH IRA : $7,000 and catch up $1,000 contribution if you are above 50
•If you have an LLC which is not a s-corp but expecting $100k net profit, you should go for s-corp conversion with the effective date of 01/01/2025 to save self-employment taxes around $16,000
•If you have HSA eligibility, you can still contribute $8,550 for MFJ
•QBI / R&D credits

Please reach out to us for business tax savings strategies and OBBB tax rule changes for the 2026 tax year to help your business tax planning, estate planning and NRI fund repatriation and compliance.

Thanks

Mari

Jeyamariappan Ganapathy, CFA

Samatva Wealth Management

Registered Investment Advisor

www.samatva.us

WhatsApp: 301-758-4052

Email: [email protected]

www.facebook.com/samatva.us

EBOOK: www.samatva.us/blogs

Financial–December 7, 2022 EBOOK – Tax savings/Financial/ Retirement/ Investment Planning Guidance Financial–November 23, 2022November 23, 2022 A comprehensive review of your personal taxes + View All

02/22/2026

NC Tamil sangam pleased to invite you to a special Tax and Investment Planning and NRI fund repatriation process Zoom session designed especially for our community members in the U.S. and NRIs. This interactive presentation will be provided by experienced Mr.Jeyamariappan Ganapathy,CFA Samatva Wealth Management and will cover practical strategies you can apply this year.

Date: 02/22/2026
Time: 7.00 pm to 9.00 pm (EST)

Topics to be covered

U.S. tax planning and tax‑saving strategies for individuals and families – deductions, entity choices, record‑keeping best practices, and ways to reduce overall tax liability

NRI fund repatriation process – how to move money from India after selling property or other assets

NRI relocation from the USA to India – handling 401(k), IRA and other retirement accounts, taxable brokerage accounts, real estate and alternative investments, and how different choices affect U.S. and Indian taxes.
There will also be a Q&A segment, so you can ask questions related to your own situation (within general guidance limits).

If you would like to attend, please use the below zoom link

https://us02web.zoom.us/j/87028614091?pwd=cXPo9lUZIV0aE8p6gonsvIdbaOC9v9.1

Meeting ID: 870 2861 4091

Passcode: 036215

We encourage you to take advantage of this opportunity to plan ahead, avoid common tax pitfalls, and better organize your investments for the future

Zoom is the leader in modern enterprise cloud communications.

02/13/2026

Dear parents,

Why is it very hard for college kids to find internships or entry level jobs in the USA and how can you help your kids?

- Written by Jeyamariappan Ganapathy, CFA Registered Investment Advisor, Samatva Wealth Management LLC, – Business CPA & CFO services , Tax filing and CFO consulting, Business Incorporation & Taxation and Savings, Bookkeeping and Personal finance and Estate Planning

I keep hearing from many parents that their college kids could not get any internships or any entry level jobs after graduation. Some of them told me that kids applied for hundreds and thousands of applications online with no response from the big tech employers.

Based on my readings from Wall Street and other business magazines and attending business events, I am finding that many big tech firms are not hiring any entry level positions and saying that AI could fill these gaps and they will continue to reduce entry level position hirings due to automation or outsourcing. AI will disrupt many industries and the timeline for each industry will differ from a few years to ten years. You could see an immediate effect on new software development jobs and many of them might disappear vs health care jobs might take a very long time due to the highly regulated industry.

Big tech companies are spending enormous capital investments for AI and projecting their CAPEX will be around $1.5 to 2 trillion USD in the year 2026 which is close to half of Germany GDP. If they could not make a decent ROI (Return on Investment), these companies would take a huge hit. Some analysts are saying that we are getting closer to the AI bubble and it could burst like the dot com bubble back in 2000.

I do see two pathways in the future. Either bubble bursts or they could get greater ROI for their investments. In the first scenario, it might slow down the AI disruption by a few more years but there is a very high probability many industries will be disrupted in the long run. The final outcome for either scenario will be the same and it is only a matter of time.

What can you do for your college kids?

I totally agree that it is a very tough environment for younger college grads. Let's say we are all still living as hunter gatherers and AI started to impact our child's future. What do you think parents might have done?

Would they allow their kids to scroll reels and social media continuously waste enormous amounts of time or teach their kids how to hunt or gather food or make better tools for their future survival?

The same analogy is applicable now. Please encourage your kids to attend outside business events in your location and develop personal connections and networking skills and encourage them to apply for startups or small businesses or nonprofits. 70% of the jobs are getting filled out through the connections not by submitting the resumes through an online portal. Many college students are uncomfortable with networking and asking for help and they rely heavily on online submission which has low probability of success.

Employers are saying that the quality of college candidates is not good and they have very poor communication and presentation skills and they lack domain knowledge and have unrealistic salary expectations for the entry level positions.

You will be surprised to learn that the USA has 36 million small businesses, and they do need human resources and go through enormous business challenges every day. Around three million college kids are graduating every year and they should go after small businesses since big tech companies are not willing to hire them now. I do see very big opportunities in startups and small businesses or nonprofits that the college kids should consider.

Your kids can learn a lot by working for a small business rather than a bigger corporation. Your kids can gain enormous domain knowledge by working for a small business and they consider the small business in the below domains and it is not a complete list and request them to explore and apply for the domains which they are interested in and continue to learn the AI technology as it evolves and help the small businesses to acquire more clients, provide better customer service to their customer, implement new ideas to grow their market share. It will allow small businesses to hire more and more college graduates.

Sample list of small business categories :

Legal services, accounting, consulting, engineering

Construction

truckers, couriers, logistics, and small freight services

real estate brokers, property managers, and leasing firms

office support, security services

small storefronts, online retail sellers, and local shops
small clinics, therapy practices, home health aides, and related services.

small gyms, art studios, leisure services

restaurants, cafés, catering businesses

small financial advisory firms, credit agencies, independent brokers

small IT firms

Startup or Small businesses always look out for the resources, and I have listed sample list of jobs below

Marketing specialist

Business development

Supply chain

Accountant

CTO

COO

Sales team

Contract bidding support

customer service support

Designer

SEO

AI Automation

Operation manager

HR support

Project managers

IT support

Once they gain domain experience they could slowly move from small startups to bigger companies or they could grow small companies to big companies and create better opportunities for them. Most of the current big tech companies started as small startups thirty or forty years ago. Another reason is that big tech companies are pointing out that college grads are using AI to do their college assignments and cut and paste the content without any additional value from them. Companies do not hire employees if they just use AI to cut and paste the content and they are looking for builders who can build or develop creative products or increase productivity or cut-down the expenses or improve customer service. You have to add some value to the employers to get you hired or retain your job.

Status quo is not an answer. Please read it and convey the importance to your kids. If you just forward this blog to your kid and request him or her to read it, many of them will just skim through it and they will not take it seriously.

In summary, by the time your college kids are ready to graduate he or she needs to develop strong networking connections and acquire at least 1 to 3 years of experience through an internship and gain domain knowledge and show the demonstrated projects that they have developed during the college that will increase the chance of getting hired through startups or small business or non-profit organizations.



I hope this helps you and your family.

Thanks

Mari

Jeyamariappan Ganapathy, CFA

Samatva Wealth Management

Registered Investment Advisor

www.samatva.us

WhatsApp: 301-758-4052

Email: [email protected]

www.facebook.com/samatva.us

EBOOK: www.samatva.us/blogs

Financial–December 7, 2022 EBOOK – Tax savings/Financial/ Retirement/ Investment Planning Guidance Financial–November 23, 2022November 23, 2022 A comprehensive review of your personal taxes + View All