A written plan, built around where you are on your own timeline.
Earnings change, priorities shift, goals move. A plan keeps decisions grounded through it all.
Introduction
Six components, working together.
A plan is more than an investment portfolio — six pieces, coordinated so progress in one doesn't undo another. Tap or click each one to see how it fits.
Cash Flow
Clarity is the real product.
A plan won't predict markets or remove risk. It puts every decision — how much to invest, how much cover to hold, when to slow down — in full view, not in isolation.
People with a written plan are more likely to stay on track — not because it predicts the future, but because it removes the guesswork.
What people usually ask before starting.
What is a SEBI Registered Investment Adviser (RIA)?
An RIA is registered with SEBI under the Investment Advisers Regulations, 2013, to give investment advice for a fee. Unlike distributors, RIAs owe a fiduciary duty — acting in your best interest, not just recommending something "suitable".
How is this different from a mutual fund distributor or insurance agent?
A distributor earns commission from the product they sell you. A fee-only RIA earns only your fee — no commission from any provider. That's what removes the incentive to sell you something you don't need.
What information will I need to share to get started?
Broadly: income, expenses, existing investments and insurance, loans, and what you're planning for. Nothing needs to be organised before my first conversation.
How long does the process take, and how often is the plan reviewed?
The first plan typically takes about 2 weeks after I receive your documents, following the step-by-step process outlined above. After that, I review formally once a year, or sooner if something material changes.
What's the very first step if I want to work with you?
Book a free, 30-minute introductory call via WhatsApp or the contact form. I'm based in Dehradun and work with clients there in person, and remotely across India by video call — I'll discuss your situation and whether I'm a good fit, with no obligation, before any fee or agreement is discussed.
Is the first conversation free, or does the fee start immediately?
The first conversation is a free, 30-minute introductory call — no fee is charged until you decide to go ahead and sign the engagement letter.
What documents or KYC will I need to provide?
As required under SEBI regulations, I'll need standard KYC — PAN, address proof, and a risk-profiling questionnaire — before any personalised advice is given. This is a regulatory requirement for every SEBI RIA, not something specific to me.
Will you tell me exactly which mutual funds or stocks to buy?
Yes — the plan includes specific, named recommendations (which funds, in what proportion), not just general guidance like "invest in equity." Recommendations are currently limited to mutual funds. What I don't do is execute the transaction for you or take a commission on it.
Do I have to buy or invest through you?
No. You implement the plan yourself, directly with the fund house of your choice — usually via direct plans, which carry no distributor commission. I have no financial stake in where or how you execute.
What if I already have investments I don't want to touch, e.g. from family, or with tax implications?
The review accounts for what you already hold. Recommendations are practical — factoring in exit loads, capital gains tax, and any investments you'd rather retain — not a blanket "sell everything and start over."
Can you also advise on my insurance, or only investments?
Yes, insurance review is part of the core plan — it's covered in the final planning session alongside the rest of your action plan.
Do you advise on tax-efficient investing?
I advise on tax-efficient investing as part of your plan. For complex tax filing or return preparation, that's outside an RIA's scope, and I'll point you to a CA.
What if my situation changes mid-year — job loss, a new baby, a big expense?
Reach out anytime. Material life changes are exactly when the plan should be revisited, and need-based consultations for this are part of the ongoing relationship.
Do I have to share sensitive information, or link my accounts, to work with you?
No. I don't need your bank account details, demat or folio numbers, policy numbers, or login credentials — just the figures and summaries (how much, in what, since when). There's no account-linking, aggregator access, or rigid portal to fill in — you can share what's needed over email, a spreadsheet, screenshots, or a shared document, whatever's easiest for you.
Can I include my parents' savings or goals in my plan?
Yes, if you're planning to use their savings toward your own goals. Otherwise it's usually better kept as a separate conversation, since their risk profile and time horizon are different from yours.
What kind of client isn't a good fit for you?
A few situations where I'm probably not the right fit: if you're looking for direct stock tips, PMS, or cryptocurrency advice — I only recommend mutual funds; if you're expecting guaranteed or assured returns; or if you need frequent in-person meetings rather than calls and video.
Do you suggest investing through a specific platform?
No — I give you the recommendation, but you're free to invest through whichever registrar, app, or platform you're already comfortable with.
How do you plan for retirement income specifically?
I first work out the corpus you'll actually need based on your expected expenses and life expectancy, then build a withdrawal strategy across your accumulated assets — EPF, PPF, NPS, annuities and investments — sequenced to make that corpus last, with an allowance for rising healthcare costs. Retirement planning is covered as part of a Holistic Financial Plan.