Advice You Can Trust
Freedom You Can Feel

For active earners focused on long-term compounding and disciplined accumulation.

The Deliverables:

• Goal-Based Roadmap: Automating wealth creation for milestones like home ownership and children's higher education.

• Workplace Benefit Optimization: Integrating EPF, VPF, and NPS into a cohesive retirement foundation.

• Tax Alpha Strategy: Utilizing tax-efficient structures to maximize take-home wealth over decades.

Investment Strategy & Product Suite: Our core philosophy prioritizes high-probability growth through diversified, low-cost instruments. This indicative list is customized based on your specific risk profile:

• Core Equity: Index Funds, Flexi-cap Mutual Funds, and Mid-cap MFs for long-term growth.

• Retirement Debt: EPF, VPF, and NPS (Tier 1 & 2).

• Volatility Control: Balanced Advantage Funds (BAFs) and Multi-Asset Funds.

• Protection: Pure Term Insurance and Super Top-up Health covers.

• Note: Additional products like ELSS or Sectoral funds may be included based on your specific tax or risk situation.

Fee Structure:

A)        Investable Corpus Up to ₹25 Lakh

·    First Year                    ₹ 25000*

·    Second Year               ₹ 20000**

·   Third Year Onwards  ₹ 18000**

B)        Corpus between ₹25 Lakh – 50 Lakhs

·        First Year                    ₹ 35000*

·        Second Year               ₹ 28000**

·        Third Year Onwards  ₹ 25000**

C)        Corpus between ₹50 Lakh – 1 Crores

·    First Year                    ₹ 50000*

·    Second Year               ₹ 40000**

Third Year Onwards       ₹ 35000**

*Payment: 50% Advance to initiate the Study | 50% before Plan submission.

**Billing: Billed in four equal quarterly instalments.

For those within 5 years of retirement, navigating the "Red Zone" of wealth protection.

The Deliverables:

• Corpus Stress-Testing: Analyzing if your current savings can sustain 30+ years of inflation-adjusted withdrawals.

• Strategic De-risking: Gradually shifting the "life's work" from volatile equity to stable, predictable income sources.

• Cash Flow Mapping: Designing the sequence of withdrawals to ensure liquidity from Day 1 of retirement.

Investment Strategy & Product Suite: We focus on "locking in" your gains while maintaining a buffer for inflation. This list represents our primary toolkit, adapted to your liquidity needs:

• Sovereign Debt: Government Securities (G-Secs) and Target Maturity Debt Funds.

• Hybrid Stability: Conservative Hybrid Funds and Equity Savings Funds.

• Tax-Free Buffers: Public Provident Fund (PPF) and Tax-Free Bonds.

• Emergency Layer: Liquid Mutual Funds and ultra-short-term debt instruments.

• Note: Based on your specific cash-flow needs, we may integrate Corporate FDs, AIF, PMS, REITs,InvITs MF or Gold ETFs for added diversification.

Fee Structure:

A)        Investable Corpus Up to ₹50 Lakh

• ·        First Year                    ₹ 45000*

  ·        Second Year               ₹ 28000**

  ·        Third Year Onwards  ₹ 25000**

  B)        Corpusbetween ₹50 Lakh – 1 Crore

  ·        First Year                    ₹ 60000*

  ·        Second Year               ₹ 48000**

  ·        Third Year Onwards  ₹ 40000**

  C)        Corpus1 Crore onward

  ·        First Year                    0.75% of AUA*

  ·        Second Year               0.60% of AUA **

  ·        Third Year Onwards  0.50% of AUA **

*Payment: 50% Advance to initiate the Study | 50% before Plan submission.

**Billing: Billed in four equal quarterly instalments.

Our core niche: Focusing on income safety, simplicity, and protecting your legacy.

The Deliverables:

• Monthly "Paycheck" Design: Creating a reliable, tax-efficient stream of income to replace your salary.

• Longevity Planning: Managing your withdrawal rate so you never outlive your money.

• Estate & Succession Support: Organizing nominations and documentation for a seamless wealth transfer.

Investment Strategy & Product Suite: We prioritize capital preservation and simplicity. While we primarily use the following instruments, your specific tax bracket may require alternative structures:

• Guaranteed Income: Senior Citizen Savings Scheme (SCSS), Post Office and RBI Floating Rate Bonds.

• The Income Engine: Systematic Withdrawal Plans (SWP) from Low-Volatility Debt or Hybrid Funds.

• Stability Layer: High-quality Corporate FDs and Short Duration Debt Funds.

• Legacy Management: Comprehensive "Master Folder" organization and Will/Nomination alignment.

• Note: Depending on your legacy goals, we may suggest specific instruments like Sovereign Gold Bonds (SGBs), MF or Annuities, AIF, PMS, REITs,InvITs .

Fee Structure:

A)        Investable Corpus Up to ₹50 Lakh

·    First Year                    ₹ 50000*

·    Second Year               ₹ 40000**

·    Third Year Onwards  ₹ 25000**

B)        Corpusbetween ₹50 Lakh – 1 Crore

·        First Year                    ₹ 75000*

·        Second Year               ₹ 60000**

·        Third Year Onwards  ₹ 50000**

C)        Corpus1 Crore onward

·        First Year                    0.85% of AUA*

·        Second Year               0.65% of AUA **

·        Third Year Onwards  0.50% of AUA **

*Payment: 50% Advance to initiate the Study | 50% before Plan submission.

**Billing: Billed in four equal quarterly instalments.

For Non-Residents seeking expert oversight of their Indian assets and regulatory compliance.

The Deliverables:

• Frictionless Documentation: Expert guidance on NRI KYC, NRE/NRO accounts, and PAN updates.

• FEMA & Tax Compliance: Ensuring all Indian investments stay within the legal framework for non-residents.

• Repatriation Strategy: Handling the logistics (15CA/CB) of moving funds legally back to your home country.

Investment Strategy & Product Suite: We navigate the complexities of NRI-compliant investing for you. The products selected depend heavily on your country of residence and the specific tax treaty (DTAA) with India:

• NRI-Compliant Equity: Specifically curated Mutual Funds open to NRIs (handling FATCA/CRS).

• Indian Debt: NRE/NRO Fixed Deposits and Bharat Bond ETFs.

• Currency Management: FCNR (Foreign Currency Non-Resident) Accounts.

• Sovereign Access: G-Secs via the RBI Retail Direct portal.

• Note: Based on your specific country of residence (USA, UK, Middle East, etc.), we customize the product selection to avoid punitive local tax rules.

Fee Structure:

• Guidance Track (One-time): ₹50,000 – ₹80,000

• Ongoing Advisory: 0.75% – 1.25% AUA.