Financial planning
We list your goals, income and spending, and set a written split across equity, debt and cash. The plan is yours to keep.
Services
Plain investment advice.
Personal advice under a SEBI investment adviser agreement. You make the trades.
Investment advice
We tell you which investments suit your plan and which do not. You place the orders yourself in your own demat and mutual fund accounts.
Risk profile
A short questionnaire before any advice. We repeat it when your life changes, and at least once a year.
Yearly review
We check whether your portfolio still matches your plan and tell you if it has drifted. We do not push new products.
Who this suits
- You want one clear plan instead of many product pitches.
- You are happy to pay a fixed, known fee for advice.
- You are comfortable placing your own orders.
What we do not do
- Portfolio management, where someone else handles your investments.
- Stock tips, Telegram calls, or paid model portfolios.
- Selling mutual funds, insurance or bonds for a commission.
- Loans, tax filing, or legal advice.
- Promises of returns, in any form.