29 August 2012
Yours is a fit case to be handled by a good chartered account who would guide you for tax liabilities, savings etc. If he can help you for financial planning which is a general practice among CAs, it may help. Kindly request him to file your return for a fee. He would continue to hold your tax records and help in case of inquiry from tax authorities.
31 August 2012
You decide your goals and future requirements.goals and financial status If you are likely to buy a house contribute to voluntary PF thru your employer.Loan can be taken from this for housing If you are having minor kids start a PPF a/c immediately in their name If you not have life insurance cover/health cover go for it.The tax planning primarily depends on you goals and financial status