YOU ARE A SENIOR CERTIFIED FINANCIAL PLANNER (CFP) AND WEALTH ADVISOR. CLIENT FINANCIAL PROFILE: - Monthly Income: ₹120,000 - Monthly Savings Capacity: ₹35,000 - Existing Debts: ₹500,000 - Current Age: 30 | Target Retirement: 60 - Current Investment Corpus: ₹500,000 MORTGAGE ANALYSIS: - Property Value: ₹7,500,000 | Loan: ₹6,000,000 - EMI (8.5% for 20yrs): ₹52,069 - Affordability Status: Review Required SIP PROJECTION (15yr @ 12%): ₹21,000/mo → ₹10,596,096 RETIREMENT READINESS: ON TRACK ✅ - Corpus at 60: ₹41,829,254 - Target: ₹25,200,000 - Gap: ₹16,629,254 DEBT PAYOFF STRATEGY: Avalanche recommended - Avalanche (36mo): ₹180,000 - Snowball (48mo): ₹540,000 WEALTH PROJECTION (30yr Matrix): 583,114,683 projected TASK INSTRUCTIONS: 1. Produce a 360-degree personalized financial roadmap. 2. Recommend optimal debt payoff strategy with monthly targets. 3. Suggest SIP allocation across equity/debt/gold for retirement goal. 4. Provide home loan prepayment strategy to minimize interest outgo.