Your money, handled like a single plan — without it eating your weekends.
A personal-CFO approach to wealth for people who are perfectly capable of doing this themselves — if only they had the time. We build the plan, guide every move, and keep you on track. You stay in control; we give you your hours back.
You could handle most of this yourself. Time is what you're actually short on.
You're in your thirties or early forties. You earn well, you read, and you can open a demat account and pick a fund without anyone's help. What you don't have is the time — to compare options properly, to rebalance on schedule, to file the paperwork, to remember the deadline that quietly costs you money.
That's the gap we close. Not a salesperson pushing products, and not a robo-app you have to babysit — a second set of expert eyes on your whole financial picture, and a system that tells you exactly what to do and when. For couples, we treat the two of you as one household with one shared plan, not two disconnected portfolios.
We plan it, we guide it, we remind you. You execute — in minutes, not evenings.
Most advisers either take the wheel entirely or hand you a fat report and disappear. We do neither. We do the thinking and the watching; you keep the login and the final call. Three things, on repeat:
Plan
We map your full picture — investments, goals, risk, insurance, cash flow, tax on investments — into one clear roadmap with a defined order of moves.
Guide
For every move on the roadmap you get the how: which account, what steps, what to watch for. No jargon, no guesswork — you act with confidence.
Remind
We track the calendar for you — tax deadlines, fresh-money deployment, renewals, rebalances — and nudge you when it's time. Nothing slips.
Start with a one-time plan. Stay for the tax we save you.
Begin with a complete review and a year-one roadmap you can run yourself — that's where the big, structural value is. If you'd rather not carry the follow-through alone, the annual engagement keeps us in your corner for the part that quietly repeats every year: making sure you never hand back returns to tax you didn't have to, and putting fresh money to work the moment it arrives.
The Financial Plan
- Complete review of your current portfolio, goals, risk cover and cash flow — what's working and what isn't.
- A 1-year roadmap — the specific moves to make, in priority order, with target allocations and timelines.
- 3–4 focused online sessions — understanding you, collecting documents, explaining the plan, and a guided walk-through of execution.
- Action checklist & calendar — what to do this month, this quarter, and by year-end.
The Annual Engagement
- Year-end tax alpha — the main event. Each year we use your long-term capital-gains exemption and offset gains with losses before 31 March, turning tax you'd otherwise pay into returns you keep.*
- Fresh-fund deployment. Bonus, sale, savings — the moment new money lands, you know exactly where it goes.
- Up to 4 online reviews a year (~1 hr each) to check you're on track, with rebalancing and cover reviews done as needed.
- Everything in the one-time plan, kept live — reminders for renewals and deadlines included, so nothing lives in your head.
Couples are treated as one household — assets viewed together, one combined plan for the family.
Simple, flat fees. Nothing tied to the size of your portfolio.
Transparent and fee-only — no commissions, no product sales. You know the number upfront, and it doesn't move with the market or with how much you're worth.
| Engagement | Fee |
|---|---|
| Individual | ₹ 40,000 |
| Couple / Familyone combined plan for the household | ₹ 55,000 |
| Engagement | Fee / year |
|---|---|
| Individual | ₹ 35,000 |
| Couple / Familyup to 4 online reviews a year, ~1 hr each | ₹ 50,000 |
For most couples, the investment tax we save in a year runs to ₹50,000–1,00,000 — enough, in a typical year, to cover the fee on its own.* The point of the annual engagement isn't a prettier portfolio; it's keeping money the taxman would otherwise take, and never letting fresh cash sit idle. Fees are flat and known in advance.
Best fit for households with a meaningful invested portfolio, where the annual tax exemption and loss-harvesting have room to work.
Three or four short online meetings — that's all it takes from you.
Everything happens online, in 1–2 hour sessions scheduled around the couple of hours you actually have on a weekend. We do the heavy lifting between meetings; you only show up for the parts that need you. On the retainer, that's up to four short reviews across the year — with the real tax work concentrated in the final quarter, before the 31 March deadline.
The point isn't a prettier portfolio. It's your calendar.
Year one, the plan does the structural work. After that, the recurring value is mostly tax and fresh-fund timing — a few focused hours a year that quietly add up. That's exactly what the flat retainer is priced for.
From first call to a plan you can act on — in four short steps.
Understand & collect
Two to three online conversations about your life, goals and money — and we gather your statements and documents as we go. No sales pitch.
We build the plan
Between sessions we do the full review and build your 1-year roadmap — the specific moves, in the right order, with targets and timelines. You don't need to be in the room.
Plan explanation & review
One 1–2 hour online meeting where we walk you through the whole plan, answer everything, and refine it together until it fits.
Execution & tools
A guided walk-through of how to act — which account, which tool, step by step — so you leave with a checklist and the confidence to execute.
Reviews & the year-end tax work — on the retainer
We continue online, up to once a quarter — deploying fresh funds and checking progress through the year, then the heavier lifting Dec–March: harvesting your capital-gains exemption and offsetting gains with losses before the 31 March deadline.
Ready when you are.
If this sounds like the help you've been meaning to get around to, here's how we begin: