Knowledge Centre
Financial planning, explained without the sales pitch
Six categories covering everything we work through with clients — from the first cash-flow statement to succession. Written for Indian households and NRIs, free of product recommendations.
Getting Started
The groundwork most households skip — knowing where the money goes, how much cushion you need, and how to tell advice apart from a sales pitch.
How to choose a financial advisor in India
The three questions that expose whether you are getting advice or a commission-led product sale.
See Financial Health CheckBuilding an emergency fund that actually holds
How many months to keep, where to park it, and why a credit card is not a contingency plan.
See Financial Health CheckReading your own cash flow honestly
A simple monthly statement that shows your true savings rate rather than the one you assume.
See Financial Health Check
Protection & Insurance
Insurance is the foundation of every plan and the most mis-sold product category in India. These guides help you buy the right cover for the right reason.
How much term cover do you actually need?
The Human Life Value method, plus why 10x income is a starting point and not an answer.
See Health InsuranceHealth insurance: sum insured, room rent and riders
What medical inflation does to a fixed sum insured, and the clauses that quietly cut a claim.
See Health InsuranceInsurance as investment — why the maths rarely works
Comparing endowment and ULIP returns against term cover plus a separate investment.
See Health Insurance
Investing & Wealth
Asset allocation, tax-aware rebalancing and goal-linked investing — the parts that decide outcomes long after fund selection stops mattering.
Asset allocation for Indian households
Splitting equity, debt, gold and real estate by when you need the money, not by last year's returns.
See Investment PlanningSIP maths and the inflation trap
What your SIP is really worth in today's rupees, and how to size a contribution against a goal.
See Investment PlanningRebalancing without a tax shock
Capital gains, exit loads and holding periods to check before you switch a single fund.
See Investment Planning
Retirement Planning
Corpus targets, drawdown strategy and the medical-cost risk that undoes most Indian retirement plans.
How much corpus do you need to retire in India?
Working from monthly expense to an inflation-adjusted target you can actually verify.
See Retirement PlanningEPF, PPF and NPS — where each one fits
Lock-ins, tax treatment at exit and how to sequence contributions across the three.
See Retirement PlanningDrawdown: the first ten years decide the rest
A bucket structure that protects you from a market fall right after you stop earning.
See Retirement Planning
NRI Planning
Account structuring, taxation and repatriation for NRIs in the UAE and the wider Gulf planning around India.
NRE vs NRO — putting the right money in the right account
Repatriation limits, taxability and the structure to set up before your first investment.
See NRI Financial ServicesInvesting in Indian mutual funds as an NRI
NRI KYC, TDS on redemption and DTAA relief between India and the UAE.
See NRI Financial ServicesPlanning your return to India
Residency status, portfolio restructuring and taxation sequenced around your move date.
See NRI Financial Services
Tax & Legacy
Nomination hygiene, wills and succession — the low-effort work that prevents high-cost disputes.
Nomination is not inheritance
Why a nominee is a custodian, and what your legal heirs are actually entitled to.
See Legacy PlanningWriting a will that holds up in India
Structure, witnesses, registration and the common drafting errors that invite challenge.
See Legacy PlanningSuccession for business-owning families
Separating the household balance sheet from the firm before the handover, not during it.
See Legacy Planning
Reading is a good start. A plan is better.
Thirty minutes, no cost and no obligation — in person in Chennai or over video wherever you are.