Honest advice. Clear plans. No product pushing.

The Problem

Most families have 3-4 policies worth ₹10-15 lakhs total — barely enough to cover a year of expenses. Meanwhile, they're paying ₹40,000-60,000/year in premiums for plans that mix insurance with investment.

What I Do

I assess your family's actual coverage need (typically 15-20x annual income), recommend pure term insurance at a fraction of the cost, and help you redirect the premium savings into investments that actually grow.

Who This Is For

Anyone with dependents — especially if you have home loans, children's education ahead, or aging parents.

The Problem

65% of Indian families are either uninsured or dangerously underinsured for health. The ones who have policies often discover the gaps only during hospitalization.

What I Do

I review your existing health coverage, identify gaps, and recommend the right combination — family floater, super top-up, critical illness — based on your medical history, family size, and city.

Who This Is For

Everyone. Non-negotiable. If you're breathing, you need health insurance.

The Problem

Most people either invest randomly based on tips or avoid equity entirely out of fear. Both approaches destroy wealth.

What I Do

I build a diversified portfolio across large-cap, mid-cap, debt, and hybrid funds based on your risk profile and goals. As a SEBI RIA, I recommend direct plans with lower expense ratios — I don't earn commissions.

Who This Is For

Anyone with a 5+ year horizon who wants their money to work systematically.

The Problem

"I'll think about it later" is the most expensive financial decision you'll ever make. A 35-year-old earning ₹1.5L/month needs roughly ₹4-5 Cr to retire at 55.

What I Do

I calculate your retirement corpus, factor in inflation (7%), expected returns, and your desired lifestyle. Then I build a multi-instrument strategy — NPS, equity MFs, debt — and review it every year.

Who This Is For

Anyone over 30 who hasn't started (urgent) or anyone over 40 who isn't sure if it's enough.

The Problem

Every March, people scramble to invest ₹1.5 lakhs in random 80C products — often locking money in 5-year FDs that yield 5-6% when inflation is 7%.

What I Do

I plan your tax-saving investments at the start of the financial year. ELSS for 80C, NPS for 80CCD(1B), health insurance for 80D — structured to maximize both tax savings and actual returns.

Who This Is For

Salaried professionals in the 30%+ tax bracket. Business owners with advance tax obligations.

The Problem

Engineering at a good college costs ₹15-20 lakhs today. An MBA abroad: ₹40-60 lakhs. In 15 years, these numbers will double.

What I Do

I create goal-based investment plans tied to your child's education milestones. Step-up SIPs that increase with your income. The corpus is tracked and adjusted annually.

Who This Is For

Parents with children aged 0-12. The earlier you start, the less aggressive you need to be.