Frequently Asked Questions

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1. How do I know I can trust you with my financial information?
I understand that trust is earned. As a SEBI-registered Investment Advisor, I follow strict regulations to ensure transparency, confidentiality, and ethical financial guidance. You don’t need to share sensitive details upfront—we can start with a discussion on your goals and build trust gradually.

2. Are you SEBI-registered? Can I verify your registration?
Yes, I am a SEBI-registered Investment Advisor. You can verify my registration on SEBI’s official website or by checking my SEBI registration number (INA000020305). This ensures that I follow all compliance guidelines and act in your best interest.

3. How long have you been in this profession, and what is your track record?

I’ve been actively involved in personal finance and investing since 2007. What began as a personal passion evolved into a profession backed by over 15 years of hands-on investment experience and an MBA from IIM Bangalore. My journey includes navigating market cycles, learning from global investment legends, and developing a practical, well-rounded approach to wealth creation.

As a SEBI-registered Investment Advisor, I focus on providing structured, goal-based financial advice. While I do not offer guaranteed returns—as per regulatory guidelines—I’m happy to share real-life examples and case studies that reflect the value I’ve helped clients create over time.

4. Do you have client testimonials or case studies to share?
Yes, I can share case studies (without revealing confidential details) that demonstrate how I have helped clients with various financial goals, such as wealth building, tax-saving strategies, and retirement planning.

5. What kind of returns can I expect from my investments?
Returns depend on multiple factors like asset allocation, market conditions, and your risk profile. While historical returns provide some guidance, I focus on creating a balanced portfolio that aligns with your goals rather than promising unrealistic returns.

6. How do you decide which investments are right for me?
I conduct a thorough risk assessment and understand your financial goals, time horizon, and liquidity needs. Based on this, I recommend a customized investment strategy tailored to your unique financial situation.

7. How do you manage risk in my portfolio?
I follow a diversified investment approach to minimize risk. I assess your risk tolerance and ensure that your portfolio is well-balanced between equity, debt, and other asset classes to reduce volatility and downside risks.

8. What if there is a market crash? How will my investments be protected?
Market fluctuations are normal, and I help clients build resilient portfolios that can withstand volatility. I focus on long-term investing, asset allocation, and periodic rebalancing to safeguard your wealth during downturns.

9. How do you charge for your services—flat fee, commission, or percentage of assets?
I operate on a fee-only model as per SEBI guidelines. My charges are transparent, and I do not receive commissions from product providers. The fee structure can be a flat fee or a percentage of assets under advisory, depending on the service model you choose.

10. Are there any hidden charges or additional fees?
No, my fee structure is transparent, and there are no hidden charges. All costs will be communicated to you before we proceed.

11. Do you earn commissions from mutual funds, stocks, or insurance companies?
No, as a SEBI-registered fee-only Investment Advisor, I do not earn commissions. My recommendations are unbiased, and my primary goal is to act in your best interest.

12. Can you help me with tax-saving investments?
Yes, I provide tax-efficient investment strategies, including ELSS, PPF, NPS, tax-saving FDs, and other legal tax-saving avenues that align with your financial goals.

13. How do you balance short-term and long-term financial goals?
I help you prioritize and allocate funds strategically—ensuring you have liquidity for short-term goals while investing for long-term wealth creation. A well-diversified approach ensures that all goals are met efficiently.

14. Can you assist with retirement planning and wealth preservation?
Absolutely. I create customized retirement plans that ensure financial security in your post-retirement years, including systematic withdrawal strategies, annuities, and passive income generation methods.

15. Do you provide estate planning or succession planning advice?
Yes, I guide clients on estate planning, wills, nominations, and succession strategies to ensure smooth wealth transfer to the next generation while minimizing tax liabilities.

16. Do you recommend only mutual funds, or do you also advise on stocks, bonds, real estate, and other assets?
I offer investment advice across multiple asset classes, including mutual funds, direct equity (stocks), fixed income (bonds), real estate, gold, and alternative investments, based on your financial objectives.

17. Can you help me with goal-based investing (e.g., buying a house, children’s education, retirement)?
Yes, goal-based investing is my core approach. I tailor investment plans based on specific milestones like home purchase, child’s education, and retirement, ensuring you stay on track to meet them.

18. Do you provide periodic portfolio reviews and adjustments?
Yes, I conduct regular portfolio reviews to ensure that your investments align with your financial goals and make adjustments based on market conditions and life changes.

19. How often will we have review meetings, and how will I stay updated on my portfolio?
We can schedule quarterly, half-yearly, or annual review meetings, depending on the Subscription plan. Additionally, you will receive portfolio updates and insights regularly to stay informed.

20. Can I exit an investment if I need money urgently?
Yes, but the liquidity of an investment depends on the product type. I help structure portfolios with liquid assets for emergencies while keeping long-term investments intact.

21. What happens if I want to discontinue your services?
There are no long-term binding contracts. You can discontinue my services at any time, and I will ensure a smooth transition while maintaining complete transparency.