About Us

We would like to thank you for taking the time to visit and learn from us. Wealth and Wisdom Online is a division of Benefit Consultant Inc., dba: Jyot Financial & Insurance Services. “Jyot” is of Hindi origin which means “light”. Our website is an educational website dedicated to inform you & yours in regards to follies of traditional financial thinking and to dynamically connect with those who are interested in learning more offline and in person. Times are economically challenging and we’re here to see that your financial well-being remains strong. We are not your typical financial website portal or financial service provider. We provide you with non-traditional strategies that are designed to help you maximize your wealth. From different financial strategies to insurance and estate planning, we find money in a ways that do not take away from your lifestyle, so that you can enjoy your money today while saving for your future.

In addition to financial information on our website, we want to offer you solutions and strategies under one roof for all your financial well-being, including: the accumulation, distribution, and conservation of wealth. Through financial tactics, we maximize the use, benefit, and enjoyment of one’s assets throughout life and assist in protecting those assets from many eroding factors within today’s economy. These include taxes, technological change, propensity to consume, disability, out-living your assets, and death. We show you specialized strategies that none of your advisors have shown you.

We take the time to and give you A FREE FINANCIAL ANALYSIS REPORT to understand your financial needs with absolutely no obligations.

Who Are We?

Gurdayal Singh is the principal of Benefit Consultant Inc., an independent firm specializing in comprehensive financial planning. He specializes in financial planning for small businesses, individuals and families.

He graduated from Delhi University in India with a master’s degree in Business Administration. He is fully licensed by the State of California to provide both financial and insurance services. He participates in continuing education programs in this field to remain up to date on all applicable laws and regulations. Gurdayal is an active member of the Sikh community in Southern California and an active supporter of The American Heart Association.

Why Are We Different?

Wealth and Wisdom’s Financial Advisory and educational video presentations focus on the impact of shifting demographics in the United States. The dramatic changes that will occur in taxation, government programs, banking, retirement programs and home ownership will affect everyone. The goal of our financial advisory website and services are to provide more information so that YOU can make better financial decisions.