Six ways we look after your money.
From your first monthly investment to planning what you leave for your family. Each service is handled by the partners themselves. Start with one, and add more as your needs grow.
Wealth Management & Planning
One plan for all your money, built around your goals and your family. We check in with you regularly and adjust the plan when life changes.
Most people have money spread across bank deposits, a few funds, some insurance and maybe a property, with no plan tying it together. We put it all on one page, match it to what you want in life, and keep it on track: a new job, a child, a business sale or retirement.
- Planning for goals like retirement, children's education or buying a home
- Spreading your money sensibly across shares, fixed income and gold
- One simple report showing everything you own
- Regular reviews, and changes when they are needed
Mutual Funds
Start with a small monthly amount or invest a lump sum. We pick funds that suit your goals and comfort with risk, not whatever topped last year's charts.
A mutual fund pools money from many investors and a professional manager invests it for you. It is one of the simplest ways to grow wealth over time. We help you choose the right funds, set them up, and review the ones you already have.
- SIP: invest a fixed amount every month, from as little as ₹500
- SWP: get a fixed monthly payout from your investments, useful after retirement
- STP: move a lump sum into equity gradually instead of all at once
- An honest review of the funds you already hold
- Check your investments anytime on our client portal
PMS, AIF & SIF
For larger investments there are options beyond mutual funds, run by professional managers. We explain the costs, lock-in periods and risks in plain words before you decide.
Once your investments grow, you can access strategies that are not available in regular mutual funds. They come with higher minimums and rules set by SEBI, India's market regulator. We shortlist good managers and make sure you understand exactly what you are signing up for.
- PMS (Portfolio Management Service): a professional manages a portfolio of shares held in your own name
- AIF (Alternative Investment Fund): pooled funds that invest in areas like unlisted companies, real estate or special strategies
- SIF (Specialised Investment Fund): a newer SEBI category that sits between mutual funds and PMS
- A clear comparison of fees, lock-ins and tax
Insurance & Risk Management
The right life, health and general insurance, so one bad event does not undo years of savings. We also review the policies you already have and tell you honestly which ones to keep.
Investing comes after protecting. If an earning member falls ill or passes away, the family's plans should not collapse. We work out how much cover you actually need, find suitable policies, and stay with you when it is time to claim.
- Term life insurance: pure protection for your family, at a low yearly cost
- Health insurance and critical illness cover
- Motor, home, shop and business insurance, including cover for key people in your business
- A review of old policies, and help when you need to make a claim
Debt Restructuring
Too many loans, or EMIs that are too high? With 18 years of banking experience, we help combine loans, get better terms from lenders and bring your EMIs to a level you can manage.
Loans taken at different times from different lenders often end up costing far more than they should. Our partner Piyusha Gore spent 18 years in corporate banking, so we know how lenders think and what they will agree to.
- A full review of all your loans in one place
- Moving loans to a lower interest rate where possible
- Talking to banks and NBFCs on your behalf
- A repayment plan that fits your monthly income
Tax & Estate Planning
Pay less tax on your investment gains, legally, and make sure everything you have built goes smoothly to the people you choose.
A little planning each year can save a good amount of tax on your investments. And a clear will, with the right nominees everywhere, saves your family months of paperwork and possible disputes later.
- Tax harvesting: booking gains or losses at the right time each year to lower your tax
- Ways to withdraw money after retirement that keep your tax low
- Will planning, with legal experts for the drafting
- Checking that every investment has the right nominee
How we work with each kind of client.
Corporate
Your business needs its spare cash working and its loans under control. We help owners and finance teams with both, and can run money awareness sessions for your employees.
- Investing surplus business cash safely
- Restructuring business loans
- Business insurance, including cover for key people
- Financial wellness sessions for employees
HNI & Ultra-HNI
Larger wealth tends to get scattered across banks, brokers and family members. We bring it into one view, add the right PMS or AIF options, and plan how it passes to the next generation.
- One combined view of everything you own
- Access to PMS, AIF and SIF
- Planning tax on capital gains
- Succession and will planning
NRI
Investing in India while living abroad comes with its own rules and paperwork. We handle it remotely, and can look after your parents' finances back home too.
- Investing through NRE and NRO accounts (bank accounts for Indians living abroad)
- KYC and FATCA paperwork, done remotely
- Planning with moving money back abroad in mind
- Reviews over video call and WhatsApp
Not sure which service you need?
Tell us a little about yourself. We'll suggest where to start.