Six services that together form one financial plan.

You can start with any one of these. Most families begin with a goal plan or a portfolio review, and the rest follows from what that reveals. Based in Adajan, Surat, and working with clients across India.

Scope

What we handle

Mutual Fund Distribution Scheme selection across equity, hybrid and debt categories, with KYC, onboarding and transactions handled for you.

Goal Planning Retirement, children’s education, a home, a vehicle or a sabbatical — each costed, dated and assigned a monthly amount.

Retirement Income Converting an accumulated corpus into a predictable monthly withdrawal that is designed to last.

Insurance Review Checking whether your term and health cover match your income, loans and dependants — and closing the gap if not.

Tax Planning Regime comparison, deduction planning, and timing of redemptions so tax is a decision rather than a surprise.

Annual Review A yearly sit-down to measure progress against the plan, rebalance allocation, and adjust for life changes.

Retirement From monthly saving to monthly income Sizing the corpus for inflation, building it with a step-up SIP, then drawing an income from it with an SWP that does not run out.

Retirement planning →

Existing portfolios A second look at the portfolio you already hold Scheme overlap, category drift, cost, and the tax impact of correcting it. If the portfolio is sound, we say so.

Portfolio review →

Investing from abroad NRI mutual fund investment in India NRE and NRO accounts, KYC by video call, repatriation and taxation — the whole process handled online, across time zones.

Read the NRI guide →

Engagement

What a first engagement looks like

Four stages, spread over about two weeks from the first call to the first transaction.

Discovery call

Thirty minutes on your income, commitments, existing investments and the goals you already have in mind.

Plan draft

Within a week. Goals quantified with assumptions written out, and a monthly amount for each.

Implementation

KYC, mandates and first transactions. Fully online if you prefer, or in person.

Reviews

A scheduled annual review, plus availability whenever something material changes for you.

Tax planning

What we look at on tax

Regime Comparison Whether the old regime with deductions or the new regime with lower rates works out better for your specific income and claims.

Deduction Planning Mapping the deductions you are genuinely eligible for across the year, instead of buying products in March.

ELSS Equity-linked savings schemes carry a three-year lock-in. Useful where equity suits your horizon anyway — not otherwise.

Capital Gains Timing When to redeem, how holding period changes the treatment, and how to sequence redemptions across financial years.

Year-End Review A check before 31 March so nothing is left to the last week, and nothing unnecessary is bought.

Documentation Capital gains statements and proofs organised so filing is straightforward.

Tax sequence

The order we recommend for tax

Sequence matters more than any single instrument. These four rules prevent most of the damage.

Start with the plan — Decide your asset allocation first. Then see which tax-eligible instrument fits inside it.

Compare regimes first — If the new regime is better for you, tax-saving purchases may add nothing at all.

Spread the year — Monthly contributions to a tax-eligible investment beat a single March purchase on both cost and choice.

Treat lock-ins as real — A three-year lock-in is a genuine constraint on your liquidity. Count it before you invest, not after.

Please note

We are mutual fund distributors, not chartered accountants. We help you plan the investment side of your tax position and sequence your redemptions. For return filing, assessments and formal tax opinions, please work with a qualified tax professional.

Not sure which service you need?

Start with a review. We will tell you what is already working before suggesting anything new.

Call +91 96019 64998 Send an enquiry