Financial planning helps individuals manage income, savings, investments, and future financial needs. Longterm wealth creation requires regular saving, suitable investment choices, diversification, risk management, and consideration of inflation. This study examines financial planning strategies for individual investors, with special reference to Nagpur, Maharashtra. It uses secondary sources, including academic studies, investoreducation publications, and official financial information. The paper reviews financial literacy, budgeting, emergency savings, investment diversification, systematic investment plans (SIPs), retirement planning, and inflation. Existing research links financial literacy with financial planning and investment decisions, while official guidance emphasises diversification, risk assessment, and matching investments with financial goals. The study does not claim new survey results or guarantee wealth creation. It aims to provide practical recommendations for individuals seeking to manage their finances systematically.

Shweta Ambadas Thakre, Dr. Ujwala Narkhede, "A Study on Financial Planning Strategies for Individual Investors for Long-Term Wealth Creation" International Journal of Scientific Research and Engineering Development, V9(6): Page(216-223) November - December 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.