Financial Advisory · SEBI RIA
Advice with
nothing to
Sell.
Fee-only, conflict-free financial advisory for a small number of families. If you want a complete, independent view of your financial life — not a product recommendation dressed as advice — this is where that conversation begins.
Before You Read Further
This is for you if
This is not for you if
This is not for everyone.
- You want advice, not products
- You are willing to pay directly for independent thinking
- You have financial complexity — income, assets, goals — that needs proper structuring
- You are at a life inflection point: career change, liquidity event, retirement, legacy planning
- You want one adviser who sees the complete picture
- You are looking for stock tips or short-term calls
- You want someone to manage a small corpus
- You prefer a relationship driven by product transactions
- You are not ready to engage seriously with your own financial plan
What Advisory Covers
Goal Planning & Asset Allocation
A clear map of where you are, where you want to go, and how your assets should be structured to get there — across every time horizon and life stage.
Direct Equity & Fixed Income
Portfolio construction across mutual funds, direct equity, bonds, and alternatives. Rigorous, research-backed, and built around your specific risk profile.
Tax & Cash Flow Planning
Structuring income, investments, and withdrawals to be tax-efficient across your working years and into retirement. Coordinated with your CA where needed.
Insurance & Risk
An honest assessment of what you need — life, health, liability — and what you do not. No insurance products are sold. The advice is purely diagnostic.
Retirement Planning
Building a corpus that sustains your life on your terms. Distribution planning, withdrawal sequencing, inflation management — structured well before you need it.
Estate & Legacy
Wills, nominations, trusts, succession — making sure what you have built reaches who you intend, in the way you intend. Coordinated with legal advisers.
Life stage framework
A framework built around
your life stage,
not the market cycle.
Every advisory engagement is organised around a four-stage life framework. Your financial plan looks very different depending on where you are. The framework ensures the advice is always calibrated to that reality — not a generic template applied to everyone.
I
Accumulation
Building wealth — savings, investments, and compounding working in your favour.
II
Transition
Peak earning years — optimising tax, insurance, and estate structures.
III
Distribution
Drawing down the corpus — sustainable income without outliving your wealth.
IV
Legacy
Transferring wealth — to family, to causes, on your terms.
How the Engagement Works
Step 1 · PAN Verification
We start with a quick identity check using your PAN, confirming your KYC status with the KYC Registration Agency (KRA). Takes just a couple of minutes.
Step 2 · Sign Your Advisory Agreement
You'll receive your Investment Advisory Agreement for e-signature, setting out the scope of services, fees, and your rights as a client — in line with SEBI's Investment Adviser Regulations. Signing is fully digital and takes a few minutes on your phone or laptop.
Step 3 · Risk Profiling
A short, structured questionnaire helps us understand your financial goals, time horizon, and risk appetite. This isn't a formality — SEBI requires it, and it's what makes sure any advice you receive is actually suited to you, not generic.
Step 4 · Payment & Advisory Onboarding
Once your fee is processed, your advisory engagement officially begins. You'll be scheduled for an onboarding conversation to walk through your goals and how we'll work together going forward.