Life After the Last Salary
Understand how to begin estimating your retirement needs, map possible income sources and identify the next steps towards a written family retirement roadmap.
GCC participants:
Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
Please use an email address that you regularly check.
Every Sunday | 9:30 PM IST · 8:00 PM UAE & Oman · 7:00 PM Saudi Arabia, Bahrain, Qatar & Kuwait
Pravasi Academy Circle
Divakaran Kadannamangalam
Retirement Planning Specialist for Gulf Keralites
Trusted by Gulf Malayalis because I've walked the same journey.
A Mission Beyond Education
Divakaran is the President of Lions Club of Palakkad Joy. His personal goal is to construct 10 micro housing units to donate to poor families in his village, Mulayankavu.
"Helping Pravasis Build Wealth, Purpose and Peaceful Retirement."
Why Gulf Keralites Trust This Session
Divakaran Kadannamangalam
- Former CFO • 33 years in Bahrain • Retired from Gulf employment in 2018
- Retirement Planning Specialist for Gulf Keralite NRIs
- Senior Insurance Manager – PNB MetLife Insurance
33 Years in Bahrain
Former CFO in Bahrain
Retired Gulf Professional
I understand your journey because I lived it.
Senior Insurance Manager
PNB MetLife Insurance
Based in Kerala
Serving Gulf families from Palakkad
Why Attend This Webinar
What You Will Learn
This webinar is a starting point, not a complete personalised retirement plan. Review medical-cost assumptions and the risk of being asset-rich but cash-poor. No returns or financial outcomes are guaranteed.
- Start estimating your retirement needsUnderstand the information and assumptions needed for a first retirement estimate.
- Map income after salaryExplore possible income sources, when they may begin and where gaps could arise.
- Understand assets and cash flowRecognise why owning valuable assets does not automatically provide money for monthly expenses.
- Identify protection questionsKnow which medical-cover and emergency-fund questions deserve further review.
- Prepare for a family conversationBring spending, responsibilities and expectations into a shared discussion.
- Choose your next practical actionsUnderstand how to identify priorities and begin a 90 day action map.
Who Should Attend?
- Keralite NRIs working in the GCC, especially those aged 45–60 preparing for retirement or return.
- Professionals and business owners approaching a decision about returning to India.
- Returned NRIs who want to organise their retirement income and family priorities.
- Spouses and family members involved in retirement decisions.
The age range describes the main audience; it is not an attendance restriction.
REGISTER FOR THE SUNDAY WEBINARGCC participants:
Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
Please use an email address that you regularly check.
Register through TagMango to reserve your place for the Sunday webinar. Use an email address you regularly check. Check it for confirmation and joining information; if you cannot find them, contact Pravasi Academy on WhatsApp.
How much retirement corpus will you need?
Enter your current monthly expenses and see how much retirement corpus you may need to maintain your lifestyle in Kerala.
Range: 5000–1000000 ₹
Range: 0–30 yrs
Range: 3–10 %
Range: 15–35 yrs
Range: 4–10 %
Card 1
Estimated Monthly Expense at Retirement
₹89,542
per month, 10 years from today
Card 2
Estimated Retirement Corpus Required
₹2.69 Cr
to sustain 25 years in Kerala
This is an illustrative estimate. Actual retirement planning should consider inflation, investment returns, healthcare costs, and lifestyle goals.
What Our Members Say
Real experiences from members of the Pravasi Academy Retirement Circle.
Girish Kumar
Dubai, UAE
Pravasi Academy Retirement Circle Member
“Your guidance was truly an eye-opener.”
“Having lived and worked in Dubai for the past 25 years, I never gave serious thought to life after retirement. Your guidance was truly an eye-opener.
Your practical advice on retirement planning, insurance, savings, and financial security helped me look at my future with a completely new perspective.
You simplified complex topics and provided clear, actionable steps that gave me the confidence to start planning seriously.
Thank you for your expertise, patience, and genuine commitment to helping others. Your guidance has had a lasting impact on my financial journey, and I highly recommend your services to anyone looking to build a secure future.”
— Girish Kumar, Dubai, UAE
Life After the Last Salary
A practical live Malayalam retirement workshop for Keralite NRIs who want clarity about retirement income, healthcare expenses and life after the Gulf salary.
What you will learn
- Learn how to begin estimating future family expenses, available resources and the gap that needs attention.
- Understand how to map possible retirement income sources and identify gaps.
- Bring income, medical protection questions, family responsibilities and your next actions into one connected planning framework.
- Recognise why owning valuable assets does not automatically provide money for monthly expenses.
- Know which medical-cover and emergency-fund questions deserve further review.
Every Sunday · 9:30 PM IST
8:00 PM UAE & Oman · 7:00 PM Saudi Arabia, Bahrain, Qatar & Kuwait
Life After the Last Salary
GCC participants:
Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
Please use an email address that you regularly check.
Register through TagMango to reserve your place for the Sunday webinar. Use an email address you regularly check. Check it for confirmation and joining information; if you cannot find them, contact Pravasi Academy on WhatsApp.
Next webinar starts in
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EVERY SUNDAY
9:30 PM IST
8:00 PM UAE & Oman · 7:00 PM Saudi Arabia, Bahrain, Qatar & Kuwait
You Have Nothing to Lose by Attending…
- A practical, honest live webinar every Sunday.
- There is no obligation to purchase any financial product.
- Bring your spouse if possible.
Every Sunday | 9:30 PM IST
Reserve your place for the Sunday webinar
REGISTER FOR THE SUNDAY WEBINARGCC participants:
Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
Please use an email address that you regularly check.
Register through TagMango to reserve your place for the Sunday webinar. Use an email address you regularly check. Check it for confirmation and joining information; if you cannot find them, contact Pravasi Academy on WhatsApp.
I personally review every registration and look forward to meeting you during the live webinar.
Why Pravasi Academy
Four pillars of a truly peaceful retirement.
Financial Security
Pension, investments and income that outlast your Gulf years.
Healthy Retirement
Habits, healthcare and insurance built for Kerala's second innings.
Family Harmony
Conversations and clarity with your spouse, children and parents.
Purposeful Living
A meaningful identity beyond the office — not just retirement.
Divakaran Kadannamangalam
- Former CFO • 33 years in Bahrain • Retired from Gulf employment in 2018
- Retirement Planning Specialist for Gulf Keralite NRIs
- Senior Insurance Manager – PNB MetLife Insurance
About Me
Divakaran Kadannamangalam
"I spent 33 years working in Bahrain, including service as Chief Financial Officer. After retiring in 2018, I returned to Kerala with one mission: helping Gulf Keralites convert their hard-earned savings into lifelong financial security."
I don't simply recommend financial products — I help families create structured retirement plans with confidence and peace of mind. Insurance and investment products are only one part of that plan, never the starting point.
My mission is to help 10,000 Pravasi families become better prepared for retirement by 2029.
Retirement Planning Specialist for Gulf Keralites · Senior Insurance Manager, PNB MetLife Insurance · President, Lions Club of Palakkad Joy
A Fellow NRI’s Recommendation
After spending more than 35 years in Dubai, I returned to Kerala for permanent settlement. Like many NRIs, I faced several financial and social challenges that I had never anticipated while living abroad.
During this phase, the guidance of Mr. Divakaran Kadannamangalam proved invaluable. I have known him personally for over five years and had the privilege of working alongside him in a Private limited company in Kerala. His extensive leadership experience in the Gulf, combined with his deep knowledge of financial planning and money management, makes him a trusted mentor for NRIs.
What sets him apart is his integrity, practical approach, and genuine commitment to helping people secure their future. Even today, I regularly seek his advice on important financial decisions.
I strongly recommend Pravasi Academy to every NRI who wants to retire with confidence, financial security, and peace of mind.
— Mohanlal V
Former NRI, Dubai (35+ Years)
BahrainA Recommendation on Personal and Professional Guidance
As an NRI living in Bahrain, I have had the privilege of knowing Mr. Divakaran Kadannamangalam for many years. Throughout this time, he has been a trusted mentor who has guided me extensively in my financial and retirement planning journey.
His advice is practical, insightful, and always tailored to individual needs. What truly sets him apart is his deep understanding of the unique financial challenges and opportunities faced by NRIs. Through his guidance, I have gained greater clarity, confidence, and peace of mind while planning for my family's financial future and retirement.
I am delighted to see him launch Pravasi Academy, an initiative that I believe will create tremendous value for the global NRI community. I wholeheartedly recommend Pravasi Academy to fellow NRIs who are seeking reliable, knowledgeable, and personalized guidance in financial management, wealth creation, and retirement planning.
I am confident that the expertise, integrity, and dedication Mr. Divakaran brings will make a meaningful difference in the lives of many NRIs around the world.
— Deepak D
Bahrain
BahrainA Recommendation on Personal Financial Guidance
Having worked in Bahrain for the past 26 years, securing my financial future has always been a top priority. I am truly grateful for the guidance, support, and professional advice I received from Mr. Divakaran.
Through his systematic approach to financial planning and ongoing guidance, I have built a strong financial backup that gives me confidence and peace of mind about my future. Throughout the process, I found him to be trustworthy, knowledgeable, and genuinely committed to helping his clients achieve their financial goals.
I wholeheartedly recommend Mr. Divakaran to anyone who wants to plan their retirement and financial future with confidence. His guidance has made a meaningful difference in my life, and I believe it can do the same for others.
— Mr. Rebi Abraham
Bahrain · 26 years of GCC experience
Build a Secure Retirement Future With Fellow NRIs
Every NRI Must Plan Before Returning Home
Retirement Readiness Checklist for Gulf NRIs
A simple checklist to help you review your retirement preparedness, including finances, insurance, healthcare, tax, wills and other important areas.
- Review your retirement readiness
- Check key areas before retirement
- Identify gaps that may need attention
Pravasi Academy Circle
Become a member of Pravasi Academy Circle.
Join a community of like-minded NRIs preparing for a peaceful and prosperous retirement.
- Live retirement planning webinars
- Financial education for NRIs
- Estate planning & will guidance
- Private community discussions
- Exclusive members-only updates
6
GCC countries
14
Kerala districts
Get in Touch
Reach out — we reply personally.
FAQ
Questions Gulf Keralites Ask
Who is this webinar for?
Keralite GCC NRIs preparing for retirement or return, returned NRIs, and family members involved in retirement decisions. The main audience is aged 45–60; this is not an attendance restriction.
Which language is used?
The live webinar is delivered in Malayalam, with familiar English planning terms explained where useful.
When is the webinar?
Every Sunday at 9:30 PM IST: 8:00 PM in UAE and Oman, and 7:00 PM in Saudi Arabia, Bahrain, Qatar and Kuwait.
How long should I reserve?
Please allow up to 90 minutes, including teaching, discussion and live questions.
How do I register?
Use the registration button to complete registration through the Pravasi Academy TagMango page. Use an email address you regularly check.
How do I receive joining details?
Check your registered email for confirmation and joining information. If you cannot find them, contact Pravasi Academy on WhatsApp.
Can my spouse attend?
Yes. Couples are encouraged to attend together because retirement planning involves shared family decisions.
Do I need financial knowledge?
No. The session introduces the planning questions using practical examples and simple explanations.
Will a paid programme be introduced?
An optional Pravasi Academy programme may be introduced for people who want further structured support. There is no obligation to join.
Will a recording be available?
Recordings are shared only when available for that session. Please plan to attend live for the discussion and questions.
Your Kerala second innings starts with one honest plan.
Download the free checklist today — and take the first step home.
REGISTER FOR THE SUNDAY WEBINARGCC participants:
Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
Please use an email address that you regularly check.
Register through TagMango to reserve your place for the Sunday webinar. Use an email address you regularly check. Check it for confirmation and joining information; if you cannot find them, contact Pravasi Academy on WhatsApp.
GCC participants: Email registration is recommended because international mobile OTP delivery may sometimes be unreliable.
REGISTER FOR THE SUNDAY WEBINAR