What we offer, what it costs, how to reach us.

Financial planning, including equity portfolio

The engagement begins with a review of your personal risk profile — not a questionnaire filed away, but the document that every subsequent recommendation has to answer to. From there we structure your goals against your financial profile, and advise across four connected areas.

Insurance and family risk. Before any portfolio is built, we look at what would happen to the plan if income stopped. Advisory covers the insurance-related risks carried by the family and the gaps in existing cover.

Goal-based portfolios. Goals are shortlisted, costed and mapped to portfolios with matching time horizons, so that a school fee due in three years is not funded by an asset that behaves like a twenty-year one.

A diversified core. We advise on maintaining a generic diversified portfolio oriented towards growth or income, depending on what you actually need from the money.

Specific securities. Only then, and strictly within your assessed risk profile, does advice extend to specific securities — including the equity portion of your portfolio.

Advice is reviewed on an ongoing basis, and your risk profile is reassessed periodically as required under the SEBI (Investment Advisers) Regulations, 2013.

One-time second opinion on pre-managed assets

Some people do not need an ongoing adviser. They need one honest look at what they already own.

This is a one-time opinion for clients who want an independent view of assets currently under someone else's management — most often a Mutual Fund Distributor. The review is provided subject to compliance with the processes stipulated by SEBI for such engagements, and covers whether the existing holdings are suitable for your risk profile, where costs are leaking through commission-bearing plans, and what a direct-plan equivalent would look like.

You receive a written opinion. There is no lock-in, no ongoing fee, and no obligation to convert this into an advisory relationship afterwards.

We do not receive any commission, referral fee or consideration from any distributor, manufacturer or platform whose products we review. That is what makes the opinion worth asking for.