Learn to fish, don't just purchase a fish...
I work on the Education-Based Financial Planning model.
If you take an interest in money management, two or three engagements with me should be enough for you to become capable of managing your money on your own. You may not need an adviser thereafter.
I primarily work with resident Indians and NRIs who plan to settle back in India. I do not work with residents of the US, UK, or Canada.
I follow the Defensive-Passive approach of investing as described by Benjamin Graham in his investment classic ‘The Intelligent Investor’. In this approach, we construct permanent portfolios which can largely run on autopilot and require little further effort. The emphasis is on avoiding serious mistakes or losses and to be free from effort, annoyance, and the need for making frequent decisions.
You can read more here: Why it makes sense to become a defensive or passive investor
For equity investments, I generally suggest index funds.
I do not provide stock recommendations.
You may read: Should I pay a financial planner who only recommends index funds?
Fees
₹50,000 + 18% GST
₹13,000 + 18% GST
You may not need to renew the engagement immediately after the engagement ends.
You can take a break between two engagements.
If my fee feels high for the size of your assets and income, you may explore
feeonlyindia.com.
Many good fixed-fee financial planners are listed there who may be a better fit fee-wise.
Process
If you decide to engage me as your financial planner, I will send you a formal letter of engagement via Zoho Sign. You can review and digitally sign it using an email OTP.
Once I receive the signed agreement, I will share my bank details. The engagement begins after the fee is received.
After payment, I will share a Google Sheet with you. You will be required to fill in your financial details in this sheet.
We will then conduct 5 sessions of 1 hour each.
Session Breakdown
Session 1: Understanding You
We will review your data and discuss your life situation, financial position, goals, and current approach to money management.
Session 2: Feasibility & Asset Allocation
We will evaluate the feasibility of your goals based on your current assets and savings capacity.
This includes affordability analysis for goals such as house purchase, car, children’s education, and retirement.
We will also discuss core principles of asset allocation and define your portfolio strategy.
Session 3: Equity Investing Framework
We will cover the fundamentals of equity portfolio construction, with a focus on passive investing.
This includes understanding indexing and why it works.
Session 4: Portfolio Construction
We will build your equity portfolio and finalize the approach you are most comfortable with.
We will also evaluate debt instruments, their risks, and select suitable options for your portfolio.
Session 5: Action Plan & Risk Management
We will arrive at a clear, actionable financial plan.
Insurance planning will also be covered in this session.
Additional Details
From Session 2 onwards, I will share curated documents covering important aspects of money management.
All planning work will be done via Google Sheets. Sessions will be conducted over Google Meet, where I will share my screen to keep discussions focused and efficient.
After the initial 5 sessions, I will remain available for need-based consultations throughout the engagement period.
If your financial situation changes or adjustments are required, additional sessions can be scheduled.
Working Style
I follow an advice-only model. Implementation responsibility rests with you.
I will be your single point of contact throughout the engagement. I do not delegate financial planning work.
Please Note
Financial planning deals with the future and the future is uncertain.
Your life situation, financial position, tax rules, and available investment options will evolve over time. As your understanding grows, your approach to money will evolve as well.
A long-term plan spanning 20–30 years may look good on paper, but in reality, it rarely stays relevant for long. Most financial plans need meaningful updates within a few years.
A better approach is to be clear about:
Where you are today
Where you want to reach
The investment philosophy you will follow
From there, we take it one year at a time, making adjustments as life unfolds.
We will arrive at a clear action plan for the next one year, along with a simple set of rules to guide your decisions.
I follow a two-portfolio approach:
One portfolio for short-term needs
One unified portfolio for long-term goals, managed at the asset allocation level
You can connect with me on WhatsApp (8308844318) to schedule an introductory call.
A few quotes I like
“It is remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.”
— Charlie Munger
“Confronted with a challenge to distill the secret of sound investment
into three words, we venture the motto, Margin of Safety.”
— Benjamin Graham
“The best way to own common stocks is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) delivered by the great majority of professionals.”
— Warren Buffett
“If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.”
— George Soros
“When there are multiple solutions to a problem, choose the simplest one.”
— John C. Bogle
“They think that intelligence is about noticing things that are relevant (detecting patterns); in a complex world, intelligence consists in ignoring things that are irrelevant (avoiding false patterns).”
— Nassim Nicholas Taleb
“Investing success does not accrue to those with savant-like expertise in one field of intellectual endeavour, but rather rests on four pillars: a command of financial theory, a working knowledge of financial history, an awareness of financial psychology, and a solid understanding of how the financial industry operates.”
— William J. Bernstein
Podcast Appearances
