Services

Six ways of working together. All of them paid for by you alone.

Most people start with a comprehensive plan and move to an annual retainer. Some only need one piece looked at. Both are fine.

• Comprehensive financial plan

  The full picture in one document: where your money goes, what you are working towards, and the allocation that gets you there.

  • Cashflow and goal mapping
  • Asset allocation and portfolio design
  • Insurance and tax review included

  One-time engagement · 4 weeks

• Investment / portfolio review

  An independent look at what you already hold — overlap, cost, tax drag and whether it matches the goal it was bought for.

  • Fund-by-fund assessment
  • Cost and overlap analysis
  • A clear consolidation plan

  One-time engagement · 2 weeks

• Retirement planning

  How much is enough, when you can stop, and how the corpus is drawn down without running out.

  • Corpus target with inflation built in
  • Accumulation and withdrawal strategy
  • NPS, EPF and annuity decisions

  Standalone or part of the full plan

• Goal-based planning

  Education, a home, a sabbatical. One goal at a time, funded on purpose rather than by whatever is left over.

  • Timeline and target amount
  • Instrument choice per horizon
  • What to do if the market falls near the date

  Standalone or part of the full plan

• Insurance review

  Term and health cover sized to your dependents and liabilities. No investment-linked policies sold, ever.

  • Cover adequacy check
  • Existing policy assessment
  • What to keep, what to surrender

  Advice only · no commissions

• Ongoing advisory retainer

  The plan is the beginning. The retainer covers the years of smaller decisions that decide the outcome.

  • Scheduled portfolio reviews
  • Rebalancing and course correction
  • Access when a decision comes up

  Annual · renewable