Asset-allocation framework, tax-aware structuring and periodic reviews for larger or more complex family portfolios.
Wealth management is about organising what you already have: how it is split across asset classes, how it is taxed, who inherits it and how it is reviewed. We provide a framework and coordination across your accountant, lawyer and fund houses.
Larger portfolios usually combine mutual funds, shares, deposits, real estate, gold, EPF/PPF/NPS and business interests. Without a single view, they overlap, concentrate in one asset or leave tax inefficiencies. We build a consolidated statement, set a target asset allocation matching your goals and risk comfort, and flag concentration, liquidity gaps and tax leakage.
We also bring in the points that people often leave unplanned: nominations across accounts, a will, joint holdings, and the tax consequence of selling. Wills and legal structuring are done with your advocate. Regulated products such as portfolio management services or alternative funds can be offered only by SEBI-registered entities, and we do not claim such registration.
You may need it if any of these describe you.
All accounts and holdings in one statement with a clear asset-mix chart.
A written allocation with rebalancing rules and ranges.
We consider holding periods and gain rates before you sell.
We check nominations, joint holdings and the need for a will.
We make sure near-term needs are not tied up in long-term assets.
We work with your chartered accountant, lawyer and fund houses.
A one-time analysis of your holdings with a rebalancing note.
Target mix and rebalancing rules aligned to goals and risk comfort.
Planning of holding vehicles, gifts and sale timing with your CA and lawyer.
Review of nominations and documentation; legal drafting by an advocate.
Ongoing yearly review and rebalancing discussion.
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| Income-tax Act, 1961 (FY 2025-26) | Capital gains, clubbing of income and gift taxation affect structuring; rates and exemptions are as notified on incometax.gov.in. |
| SEBI regulations | Portfolio management and alternative investment funds are regulated products available only through SEBI-registered entities; verify registration on sebi.gov.in. |
| Nomination and succession | A nominee is not necessarily the legal heir; a will and legal heirship rules decide ownership, so involve an advocate. |
| FEMA (for NRIs) | Rules on repatriation and permitted investments apply to NRIs; confirm with the authorised dealer bank. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| Annual portfolio review | Once a year; ideally before 31 March to align with tax planning |
| Advance tax on gains | As per advance tax instalments |
Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Financial Planning | SIP & Mutual Fund Guidance | Wealth Structuring | Insurance Advisory |
|---|---|---|---|---|
| Pricing model | Fixed fee | On enquiry | On enquiry | On enquiry |
| Written deliverable | Plan PDF | Summary note | Review report | Cover analysis |
| Goal mapping | Cover needs | |||
| Existing holdings review | Basic | Policies | ||
| Product distribution by us | ||||
| Review call | 1 call | Periodic | Half-yearly | Annual |
| Regulatory disclaimer |
We never mark up government payments.
On enquiry. Fee depends on complexity and the services chosen and is agreed in writing before work begins.
No government fee for advisory work.
Charges of fund houses, brokers or lawyers you engage are paid directly to them. 18% GST applies on professional fees.
What you receive from us.
No. We provide planning and coordination. You hold assets in your own name and decide on all transactions.
Those can be offered only by SEBI-registered entities. We do not claim that registration; we can help you understand them and compare questions to ask.
Financial planning covers goals and cash flow. Wealth management focuses on larger multi-asset portfolios, tax structure and succession.
Not necessarily. Legal heirs or a will decide ownership, and the nominee often holds the asset in trust. A lawyer should advise.
Yes, we can estimate the capital gains tax and the options for exemptions before you sell.
Yes for India-side assets, subject to FEMA and bank rules; legal advice from the country of residence is separate.
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