Education
Indian professional-course fees have historically risen faster than headline inflation. We model the cost at the year it falls due, not today's sticker price.
Wealth Planning
Retirement, school fees, a wedding, and what happens to your money afterwards. We start with what you need and when, then work out how to get there.
The horizons
Three goals, planned together
Planned separately, they end up fighting over the same money.
Retirement
EPF, NPS, and market investments assembled into one number: the corpus that sustains your actual expenses, adjusted for the decades it has to last.
Succession
Nominations, joint holdings, and a written record of what exists and where. The single most neglected item in Indian household finance.
Discuss it
The unglamorous half
Paperwork matters more than you think
Families rarely lose money because a fund did badly. They lose it because nobody could find the paperwork, or a nomination was never updated.
- An asset register. Every account, folio, policy and property in one document, kept current.
- Nominations audited. Checked across every holding, and updated after marriages, births and deaths.
- Access instructions. What your family needs to do, in what order, written for someone who is not financially trained.
- Annual review. One sitting a year to confirm the record still matches reality.
Scope
Wealth planning here means cashflow mapping, goal modelling and documentation discipline. Drafting a will, forming a trust, or giving a tax opinion requires a lawyer or a chartered accountant, we will tell you when you have reached that point and coordinate with your professional rather than improvise.
Common questions
Do I need a large portfolio for this to be worthwhile?
No. Planning matters most when resources are finite, because that is when sequencing and trade-offs actually bite.
How often should the plan change?
The plan should change when your life changes, a birth, a job move, a business sale, a diagnosis. It should not change because the market had a bad quarter.
Can you write my will?
No, that needs a lawyer. We prepare the asset register and the nomination audit that make drafting a will straightforward, and we will work with the lawyer you choose.
What is your money for?
Most people have never been asked. It is a better starting point than a fund list.