Clear fees. No surprises.
Every service has a clearly disclosed fee — you know what you are paying for before you engage. Based in Dehradun, working with clients there and remotely across India.
Who We Serve
Personalised financial planning for individuals and families with net worth of up to approximately ₹3 crore.
Not sure about your net worth?
Calculate your net worthHolistic Financial Planning
A complete written plan bringing your full financial picture into one place — investments, retirement, insurance and tax, planned together rather than as separate decisions.
- Risk Profiling
- Review of Existing Insurance, ULIPs and Mutual Funds
- Insurance Planning for Life and Health
- Emergency or Liquidity Planning
- Cash Flow and Net Worth Analysis
- Goal-based Planning for Retirement, Children's Education and Marriage
- Tax-efficient Investment Advice
- Debt Management and Counselling
Best for: Anyone who hasn't had a full plan before, or whose finances have grown more complex. Includes 6 months of post-plan support at no additional cost.
Investment Planning
Already have capital to deploy and simply need the right direction? A focused engagement giving you a clear, personalised investment strategy — without the full scope of a Holistic Financial Plan.
- Risk Profiling
- Investment Goals & Time Horizon
- Review of Existing Investments, if any
- Equity–Debt Asset Allocation
- Mutual Fund & Instrument Selection
- Portfolio Diversification Check
- Documented Investment Recommendation
Ideal for: Investors who already know they want to invest and need expert direction, without a full financial plan. Doesn't include cash flow, insurance, tax or estate planning — that's covered under the Holistic Financial Plan.
Retirement Planning
A focused engagement on the number you need by the day you stop working, and the withdrawal plan that makes it last — whether you're starting to save for it or already close.
- Retirement corpus estimation, based on your actual expenses and life expectancy
- Review of EPF, PPF, NPS and annuity products already in place
- Pre-retirement savings and asset allocation plan
- Post-retirement withdrawal strategy, sequenced to make the corpus last
- Planning for rising healthcare costs in retirement
Best for: Clients who want retirement to be a clear focus within their overall financial plan. Retirement planning is covered within the Holistic Financial Plan.
Ongoing Financial Advisory
Continued advice after the initial 6-month support period, to keep your financial plan and investments aligned with your changing goals and circumstances.
- Annual plan review & renewal
- Periodic rebalancing
- Plan updates as life changes
Best for: Existing clients wanting continuous advice rather than a one-time plan.
Portfolio Review
An independent review of your existing mutual fund portfolio — asset allocation, diversification, costs and alignment with your goals.
What I review:
- Asset allocation & diversification
- Fund selection & overlap
- Costs and expense impact
- Alignment with your goals and risk profile
Ideal for: Investors with an existing portfolio who want an independent second opinion.
Financial Wellness Sessions
Empower your people to make informed financial decisions.
Practical, engaging financial education for organisations and groups — helping employees and participants build confidence, clarity and healthier financial habits.
Topics can include:
- Financial Foundation — saving, budgeting & cash-flow habits
- Financial Protection — insurance & risk awareness
- Investing with Confidence — understanding the basics
- Planning for Tomorrow — retirement & life goals
Ideal for: Corporates · Institutions · Colleges · Housing Societies · Professional Groups
Not sure which you need?
Most clients start with a holistic plan — I'll advise honestly if you need less.
Ask me →What you provide, and what you get back.
So there are no surprises about what's expected of you, or what you'll walk away with.
What you provide
- KYC documents — PAN and address proof
- A clear picture of income, expenses and existing investments
- Copies of current insurance policies, loan statements, and investment holdings
- Completed responses to a short risk-profiling questionnaire
- Your goals, priorities, and any concerns — in your own words
- Time for 4-5 structured conversations to go over all of this
- A signed engagement letter before any advice is given
- Updates if anything material changes in your situation later
What I deliver
- Clear disclosure of my SEBI registration, fees, and any conflicts of interest, before we begin
- A documented risk profile based on your responses
- An independent review of what you already hold, with gaps and overlaps flagged
- A written, documented plan — not a verbal recommendation — with specific, actionable steps mapped to each goal
- A walkthrough call to explain the plan and answer questions
- Implementation guidance if you need it — I never execute trades or hold your money; you keep full control, and I'm never able to touch your funds
- A record of the advice given, for your own reference going forward
How fees are paid.
Advisory fees are collected only through regulated, traceable banking channels — after your engagement letter is signed and a fee invoice is shared.
Accepted modes
- UPI
- Bank transfer — NEFT / RTGS / IMPS
- Account-payee cheque or demand draft
- Centralised Fee Collection Mechanism (CeFCoM)
What I'll never do
- Accept cash, under any circumstance
- Ask you to pay to any account or UPI ID other than the one in your signed agreement
- Hold or have access to your money — you execute all transactions yourself, in your own accounts
Simple, disclosed up front.
Fees depend on the scope of your finances and are always agreed in writing beforehand. As a guide:
| Service | Fee basis | Indicative fee |
|---|---|---|
| Holistic Financial Plan (one-time) | Flat fee | ₹30,000 Includes 6 months of post-plan support at no additional cost. |
| Investment Planning (one-time) | Flat fee | ₹20,000 |
| Ongoing Financial Advisory (annual) | Flat annual fee | ₹18,000/yr after the initial 6 months |
| Portfolio Review (second opinion) | Flat fee | ₹18,000 |
| Financial Wellness Session | Per session | On request |
The fee itself is fixed, not a percentage of your portfolio — so it doesn't change based on how much you invest, and is disclosed in writing before you engage me, well within the fee limits SEBI sets for Investment Advisers. I typically work with clients up to around ₹3 crore in net worth — calculate your net worth.
Curious what this actually saves you compared to a commission-based fund?
Try the Fee-Only vs Commission Calculator →A few practical questions.
How is the fee determined and paid?
Fees are fixed for the listed services, disclosed in writing before engagement, and paid after the engagement letter is signed. The financial plan fee is ₹30,000 and is paid upfront.
Is there a minimum portfolio size to work with you?
No minimum. My fee is fixed and isn't linked to how much you invest, so it doesn't matter whether you're just starting out or already have a sizeable portfolio. I typically work with clients up to around ₹3 crore in net worth.
What happens after the first plan?
There is no lock-in. Your Financial Plan includes 6 months of post-plan support at no additional cost. After that, Ongoing Financial Advisory is optional at ₹18,000 a year.
Can I use just one service, like an insurance review, instead of a full plan?
The core offering is a comprehensive financial plan — that's where most of the value is, since your investments, insurance, and goals are all connected. If you already know you want to invest and don't need full planning, standalone Investment Planning (₹20,000) is available. If you already have a plan from elsewhere, a standalone Portfolio Review (₹18,000) is available as a second opinion.
Do you help with NPS, EPF, or annuity decisions specifically?
Yes — reviewing what you already hold in NPS, EPF, PPF and annuity products, and how they fit your withdrawal strategy, is part of retirement planning. Retirement planning is covered within a Holistic Financial Plan.
What exactly do I get for the fee?
An independent review of your existing investments and insurance, followed by a written, goal-based plan covering where and how to invest.
Is the fee per person, or does it cover my spouse and family too?
It's per couple, including dependent children and dependent parents. If you'd rather work with me separately from your spouse or partner, that's two separate fees.
Is renewal mandatory? What if I don't renew for a couple of years?
Renewal is entirely optional. You can renew after a gap of 2–3 years if you'd like — the fee would just be charged as if you were a new client.