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 not for everyone.

This is for you if
This is not for you if
What Advisory Covers
01
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.
02
Direct Equity & Fixed Income
Portfolio construction across mutual funds, direct equity, bonds, and alternatives. Rigorous, research-backed, and built around your specific risk profile.
03
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.
04
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.
05
Retirement Planning
Building a corpus that sustains your life on your terms. Distribution planning, withdrawal sequencing, inflation management — structured well before you need it.
06
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.

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 the base
Early career to peak earning years. The focus is on building wealth systematically — saving rate, asset allocation, compounding, and avoiding expensive mistakes.
II
Transition
The inflection point
Career changes, business exits, liquidity events, or major life shifts. High-stakes decisions that require clear thinking and careful structuring.
III
Distribution
Living from what you built
Retirement and beyond. The shift from accumulation to sustainable withdrawal — making the corpus last, managing tax, and preserving optionality.
IV
Legacy
What you leave behind
Succession, estate planning, philanthropy, and intergenerational wealth transfer. Ensuring the work of a lifetime is passed on with intention.
How the Engagement Works
Step 01
Initial Conversation
A 45-minute call to understand your situation, goals, and whether there is a genuine fit. No obligation on either side. Most useful questions come from you.
Step 02
Financial Discovery
A structured process to map your complete financial picture — assets, liabilities, income, goals, risk, insurance, estate. Thorough and confidential.
Step 03
The Plan
A written financial plan with clear recommendations across every relevant area. Not a product brochure — a real document you can act on independently if you choose.
Step 04
Ongoing Advisory
Quarterly reviews, annual plan updates, and access when decisions need to be made. A long-term relationship, not a one-time transaction.

Transparent.
Fixed.
Fee-only.

My fees are fixed and agreed upfront. There are no commissions, no trail income, and no hidden charges from product manufacturers. What you pay is what I earn — nothing else.

Fee details are shared during the initial conversation. They are structured to reflect the complexity of your situation, not the size of your portfolio.

One-Time
Comprehensive Financial Plan
Full discovery, written plan across all areas, and a detailed presentation session. Standalone engagement for those who want a plan they can execute themselves.
Annual Retainer
Ongoing Advisory Relationship
Quarterly reviews, plan updates, priority access, and support across all financial decisions through the year. For clients who want a long-term thinking partner.
Note
No minimum portfolio size
Advisory is taken on based on complexity and fit — not corpus size. The right question is whether the engagement will add real value, not whether the numbers are large enough.

Start with a
conversation.

The first step is a 45-minute call — no forms, no pitch, no obligation. Tell me where you are and what you are trying to figure out. We will know quickly whether this is the right fit.

Request a Conversation →

Advisory capacity is limited. If there is no availability at the moment, you will be added to a short waitlist.