financialconsulting.in
Retirement Planning
Custom retirement income strategies built around Indian pension systems and personal goals for sustainable post-work life.
Details →Independent Financial Advisory
Your money, managed like family
Fee-only financial consulting for affluent Indian individuals and small business owners—investment planning, retirement strategies, and tax optimization—no sales pressure, only clear, compliant guidance.
What we do
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Tax Planning
Year-round tax optimization using Indian exemptions and deductions to reduce liability without last-minute panic or risky schemes.
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Investment Advice
Personalized, low-turnover portfolios rooted in mutual funds, bonds, and equity—built for stability, not speculation.
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Estate Planning
Seamless asset transfer through wills, nominations, and succession plans aligned with Indian succession laws.
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Insurance Strategy
Right-sizing insurance coverage—term life, health, and critical illness—without unnecessary add-ons or high-premium plans.
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Small Business Finance
Financial health checks, cash flow forecasting, and tax-efficient operations for Indian micro and small enterprises.
Details →How it works
Initial conversation
We spend 30 minutes listening—no forms, no pitches—just understanding your priorities and concerns.
Gap assessment
We review your current situation and flag where risks, missed opportunities, or misalignments exist.
Tailored recommendations
You receive clear, prioritized actions with rationale—no pressure, just options that fit your life and values.
Implementation support
We guide you through next steps—connecting with lawyers, brokers, or platforms—while staying neutral and independent.
No pressure
No cold calls, no scripted scripts—just thoughtful conversation when you’re ready.
Full transparency
You always know how we’re paid, what’s in your plan, and why each choice was made.
Long-term focus
We build habits, not shortcuts—plan for life decades ahead, not next quarter.
Financial advice that fits India—quietly, carefully, well
Most financial advice is built for algorithms, not lives. We build plans for people—grounded in Indian regulations, tax law, and what matters to you: stability, control, and time with what you love.
Services built for Indian financial reality
We help you move from reactive to intentional—turning confusion into confidence, complexity into clarity, and noise into action—without pushy product pitches or conflicts of interest.
- 01
Investment planning
Co-create portfolios aligned with your risk comfort, goals, and Indian market realities—no off-the-shelf models, no commissions.
- 02
Retirement strategy
Build realistic exit paths from business or employment—estimates based on your lifestyle, not templates.
- 03
Tax optimization
Proactive, year-round guidance on deductions, capital gains, and entity structure—timely, not retrospective.
Advisors with local roots and regulatory discipline
Our team is made of professionals who’ve worked across Indian financial institutions—banking, capital markets, and tax practice—then chose independent advisory to serve with fewer layers, clearer boundaries, and deeper attention.
01
Rajiv Mehta
Former mutual fund distributor, SEZ tax specialist, and parent-teacher association budget wrangler—helps families translate goals into plan.
02
Anjali Desai
CA and ex-portfolio manager—specializes in small business cash flow alignment and retirement cash needs modeling.
03
Vikram Singh
Ex-hedge fund analyst turned educator—focuses on investor behavior, risk framing, and making compliance feel practical.
Insights from the Indian financial landscape
Real questions, real answers—no fluff, no trends—just locally relevant guidance that helps you make better decisions today, not tomorrow.
- ELSS vs. NPSWhen tax-saving equity funds beat pension schemes—and when they don’t.
- PPF changes, 2023–24What updated interest treatment means for long-term debt planning.
- SOP for LTCG on propertyA step-by-step checklist for filing capital gains returns before deadline.
Clients speak about control, not returns
Because financial confidence isn’t about winning the market—it’s about losing sleep less often.
Business owner, Pune
Finally feel in control of my business finances—no more guessing if my family will be safe if I’m not there.
Doctor, Mumbai
I stopped checking equity apps at midnight and started reading bedtime stories instead.
Retired teacher, Hyderabad
The plan you helped me build actually matches my grandkids’ school fees—not some broker’s fantasy.
No pitch. No pressure. Just fit.
Our discovery call is a 30-minute exploratory conversation—no sales script, no product demo. We’ll listen, share what we do, and tell you straight if working together makes sense.
Get in touch
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