Mutual funds, term & health insurance, demat, and PMS — guided by a real person who picks up only when you ask. Fair advice, fairly given.
But most Indians do. Here's what they put up with:
"Sir, ek minute. Sir, please listen." Three calls a week, even on Sundays. Your number gets sold in random WhatsApp groups.
"Last 2 days for ELSS!" Every March. Every quarter-end. The deadline panic is the whole sales pitch.
You get sold ULIPs and endowment plans because they pay 25% commission — not because they're right for you.
Only the services 99% of Indian households genuinely need. Anything beyond this — and I'll honestly point you elsewhere.
The core of long-term wealth building. We'll pick a small handful of funds — equity, debt, hybrid — that match your goals and risk appetite. No churning, no fund-of-the-month drama.
The cheapest, cleanest way to protect your family's financial future. No ULIPs. No endowment. No "money-back". Insurance is insurance — investment is a separate game.
A single hospitalization can wipe out years of savings — that's the reality of healthcare in India today. Top-ups give you bigger cover at a fraction of the cost. The right policy, not the highest-commission one.
For when you want direct stock or ETF exposure alongside mutual funds. We'll set up a clean demat account and discuss when DIY equity makes sense — and when it doesn't. No tip-sharing. No "aaj ye stock le lo" calls.
A discretionary portfolio managed by a SEBI-registered PMS provider — only for those with a genuinely large corpus and long horizon. If mutual funds serve you better, I'll be the first to say so. PMS isn't a status symbol — it's a tool for specific situations.
*Premiums vary by age, health, sum insured, and insurer. Indicative figures only.
What working with me looks like, compared to a typical bank RM or aggressive distributor.
No surprises. Leave at any stage, no awkwardness, no pursuit. Most people take 2–4 weeks to move through it. That's normal.
Browse the site. Understand the philosophy. Decide if my approach feels right. Zero pressure to reach out.
30 minutes. I listen, you talk. Goals, fears, current investments — all on the table. No pitch, no products.
Within 48 hours, a goal-based plan in plain English. With reasoning. With alternatives. With risks stated upfront.
Take days, weeks, even months. Reply when ready and we onboard via Wealthy. Or walk away — no hard feelings.
Most Indians are dangerously under-insured. Not because insurance is unaffordable — but because the industry sells the wrong products (ULIPs, endowment, money-back) while ignoring the two policies every household actually needs.
If anyone is financially dependent on you — spouse, kids, parents — and you'd leave behind loans, EMIs, or unfinished goals, you need term insurance. The single highest-leverage decision you'll ever make.
A serious hospitalization in a private hospital can cost ₹5–25 lakh. Without health cover, that's your emergency fund, SIPs, or even your home wiped out. Employer health cover alone is rarely enough — and disappears the day you switch jobs.
These shape every conversation we'll ever have. Simple, honest, non-negotiable.
You'll never be sold a product you don't understand. If you can't explain it back to me, we don't move forward.
We start with your life — kids, retirement, home, parents. Products are just the vehicle. They come last, and only if they fit.
Exact figures on every recommendation. No fine print. No hidden percentages. You'll always know how I earn.
No "limited time" panic. No tax-deadline urgency. No follow-up calls unless you specifically invite them.
I'd rather serve a hundred people well than chase a thousand. You're not a number on my dashboard.
Wealth compounds in decades, not weeks. Our pace will reflect that. We're not in a hurry — and neither should you be.
Honest answers, every time. Ask anything.
I earn a trail commission from mutual fund houses (AMCs) for the assets you invest — paid by them, not by you. Typical rates range from 0.5% to 1% per year of your invested amount. So on a ₹1,00,000 portfolio, that's roughly ₹500–₹1,000 per year, paid by the fund house. For insurance, I earn a one-time and renewal commission paid by the insurance company. I'll show you the exact numbers before you invest in anything. No advisory fees from you, ever.
Honestly, you shouldn't trust either of us blindly. But here's the structural difference: bank RMs have monthly targets on specific products (often the highest-commission ones — ULIPs, endowment plans). I have no targets. My only incentive is to keep you invested with me long-term, which means recommending things that actually work for you.
Just tell me. There's no exit fee, no awkward retention call, no "Sir, manager se baat karwata hoon" drama. Your investments stay yours regardless — they're held by the AMCs, not by me. You can transfer the advisory relationship to anyone else, or manage them yourself. I'll help with the paperwork.
No, I'm a Mutual Fund Distributor (ARN-348293), not a SEBI RIA. The difference matters: RIAs charge fees directly and cannot earn commissions; I earn commissions and don't charge advisory fees. Both are legal and regulated. If your situation calls for an RIA, I'll tell you upfront. No ego in this work.
Transacting in mutual funds and insurance requires specific regulatory infrastructure (BSE Star MF connection, IRDAI license, etc.) that's hard to justify economically for a solo distributor. Wealthy is a SEBI/IRDAI-compliant platform I trust. You get the security and tech of an established platform, with my personal guidance layered on top — best of both worlds.
Yes. SIPs as small as ₹500/month are welcome here. Some of my best long-term clients started exactly there. The discovery call, the written plan, the ongoing support — same for everyone, regardless of ticket size. The math of compounding doesn't discriminate, and neither do I.
You'll get one calm email or note from me, explaining what's happening and why staying invested historically beats panic-selling. I won't bombard you. I won't tell you to "buy the dip." I'll be available if you want to talk it through, but the choice will be yours. Most of my work, frankly, is helping people not do the wrong thing in scary moments.
Probably not. PMS requires a SEBI-mandated minimum of ₹50 lakh, comes with higher fees (typically 2–2.5% management + performance fees), and tax inefficiencies. For most investors — even those with a few crores — well-chosen mutual funds outperform PMS after fees and taxes. PMS makes sense only in specific cases: very large corpus, concentrated strategy, or specific tax-loss harvesting goals. If MFs serve you better, I'll be the first to say so.
Almost never. They mix insurance and investment in ways that usually serve the seller more than the buyer. I'll recommend term insurance for protection (cheap, clean, effective) and mutual funds for investment (separate, transparent). If a ULIP genuinely fits your situation — which is rare — I'll explain why and show you the alternatives.
30 minutes. Free. No obligation. No pitch. Just a conversation about your money and your life — in that order.
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