Fee-Only & Conflict-Free
I charge a transparent advisory fee — never a commission, trail, or referral from product manufacturers. This eliminates the single biggest source of bias in financial advice.
Why work with Sheo Narayan?
As a SEBI Registered Investment Advisor and a former technology leader, I bring both regulatory rigour and first-hand professional experience to every client engagement. Your financial interest always comes first.
The Peer-to-Peer Advantage
As a former technology director at global firms and founder of DotNetFunda.com, I understand ESOPs, career transitions, and the financial neglect that busy tech professionals fall into. I apply a software engineer's mindset — logic, scalability, risk management — to your personal portfolio. Plain language, no jargon.
SEBI-Regulated & Transparent
All disclosures, fee structures, investor charter, and grievance channels are publicly available on this website in full compliance with SEBI (Investment Advisers) Regulations, 2013.
Services I offer
Every engagement is personalised, documented, and aligned with SEBI RIA requirements — so you always know exactly what you are getting and what it costs.
Financial Planning
A complete 360° view of your financial life — income, expenses, goals, insurance, and tax — structured into a clear, actionable plan tailored to your life stage.
FIRE Planning
A mathematically rigorous roadmap to Financial Independence and Early Retirement — FIRE number, safe withdrawal strategy, and passive income structuring on your terms.
Wealth Management
Sophisticated multi-asset portfolio advisory for HNI and Ultra HNI clients — covering PMS, AIF, real estate integration, and family office support.
Retirement Planning
Build a retirement corpus that accounts for inflation, longevity, and healthcare costs — with NPS/EPF/PPF optimisation and a systematic withdrawal plan so you never outlive your money.
Equity & Mutual Funds
Research-driven stock advisory and unbiased mutual fund selection — direct plans, zero commission, covering equity, debt, and hybrid strategies aligned to your risk profile and goals.
Financial Wellness Sessions
Engaging financial literacy workshops for corporates and professional teams — covering investments, savings, debt, insurance, and retirement planning, on-site or virtually.
Regulated, transparent, accountable
My practice operates within the framework of SEBI (Investment Advisers) Regulations, 2013. This means written advisory agreements, documented risk assessments, disclosed fee structures, and a clearly defined grievance redressal process — for every client, without exception.
Important disclaimer: SEBI registration and NISM certification do not guarantee investment performance or returns. Investments are subject to market risk, and past performance is not indicative of future results. Please read all disclosures carefully before engaging advisory services.
Investor Protection
SEBI has established regulated channels to safeguard investor interests. If you have a concern or dispute, you can reach out through any of the following:
Free tools & investor education
Run the numbers yourself, then read the context behind them. No login, no sign-up required.
8 Free Calculators
Financial Planning Tools
SIP growth, retirement corpus, goal planner, HLV insurance, net worth, EMI, inflation, and financial health quiz — all in one place.
- 📈 SIP Calculator & Goal Planner
- 🏖️ Retirement Corpus Estimator
- 🛡️ Insurance Needs (HLV Method)
- ⚖️ Net Worth Tracker & EMI Calculator
7 In-Depth Articles
Investor Education
Plain-language reads on the financial decisions that actually move the needle — written with real numbers, real Indian examples, and no product agenda.
- 📊 Old vs New Tax Regime (FY 2025-26)
- ⚠️ ULIP Mis-Selling — the real cost
- 🏦 Why EPF isn't your retirement plan
- 🔥 How to calculate your FIRE number
Common questions
Answers to questions investors most often ask before engaging an investment advisor.
What is a SEBI Registered Investment Advisor?
A SEBI RIA is a professional registered with SEBI under the Investment Advisers Regulations, 2013. They are legally required to act in your best interest (fiduciary duty), provide written advice with full disclosures, and cannot earn commissions from financial products. Sheo Narayan is registered as SEBI RIA (INA000012345).
What is a fee-only financial advisor?
A fee-only advisor charges you directly and earns no commission from any financial product. This eliminates conflicts of interest — their only incentive is advice that truly serves you. Isha Vasu earns solely from the transparent advisory fee you pay, nothing else.
How is a SEBI RIA different from a mutual fund distributor?
A distributor earns commission from fund houses every time they sell you a product — their income depends on what you buy. A SEBI RIA is prohibited from any such commission and by law must recommend only what is best for you. We recommend direct plans of mutual funds, which have lower expense ratios and higher long-term returns.
Do I need an advisor if I already invest in mutual funds?
Having investments is not the same as having a financial plan. An advisor maps each investment to a specific goal, reviews your overall asset allocation, optimises for tax, ensures adequate insurance, and plans for retirement. Without a structured plan, even well-performing investments may not reach your goals.
Can I get advisory services from outside Hyderabad?
Yes — Isha Vasu provides fee-only advisory services pan India. All consultations are conducted virtually via video or phone. Clients from Bangalore, Mumbai, Delhi, Pune, Chennai, and other cities are welcome.
What is the minimum fee for advisory services?
Fees start from ₹9,888 p.a. for Equity & Mutual Fund advisory. All fees are SEBI-regulated, transparent, and agreed in writing before any advice is given. View the full fee schedule →