Personalized Financial Advice Rooted in Trust, Transparency, and Your Long-Term Success. Every service delivered by me, a SEBI Registered Investment Adviser — transparent, unbiased, and fee-only. All services are provided under SEBI's fiduciary framework, with written advice and disclosures delivered to clients.
What I offer
Comprehensive
Comprehensive Financial Planning
A complete 360° view of your financial life — structured into a clear, actionable plan tailored to your life stage, with ongoing support through the year.
In-depth review of your existing financials
Risk profiling & suitability assessment
Insurance planning (life, health & protection gaps)
A flexible advisory shaped around your specific ambition — Financial Independence & Early Retirement (FIRE), a research-driven equity & mutual fund portfolio, or sophisticated multi-asset wealth management for HNI and Ultra HNI portfolios. Scope and depth are customized to your goals.
FIRE number calculation & safe withdrawal rate strategy
Corpus accumulation roadmap & passive income structuring
Fundamental & technical stock research
Direct plan mutual fund advisory (zero commission)
Engaging, expert-led financial literacy workshops for corporates, SMEs, and professional teams — helping employees and their families make informed money decisions, reduce financial stress, and build long-term wealth.
Every engagement runs through a structured, SEBI-compliant advisory process. Here's what we need from you, and what you can expect from us at every step.
Complete responses to the risk-profiling questionnaire that we send
Your full financial picture — income, expenses, assets, liabilities, investments & insurance (helps us to analyse your current position)
Review, questions & acceptance of the proposed plan / portfolio
Self-execution of transactions — you open accounts & place trades, we never hold your money. (We assist with no extra fee.)
Updates on any material change in your circumstances
Attendance at periodic review meetings & approval of any rebalancing action
What We Deliver
Clear disclosure of our SEBI registration, services, fees & conflicts of interest
A signed, SEBI-compliant advisory agreement defining scope of service, fees, your rights & obligations
KYC verification & a documented, assessed risk profile
An in-depth analysis of your financial position — strengths, gaps & risks
A written Financial Plan / Investment Policy Statement with clear rationale
A suitable, diversified portfolio recommendation aligned to your different goals
Step-by-step implementation support — no extra fee, no commissions
Ongoing portfolio monitoring, with deviations & risks flagged for review
Periodic reviews, updated risk profiling & rebalancing only with your consent
Payment
Fees Payment Mode
Advisory fees are collected only through regulated banking channels — after a signed advisory agreement and fee invoice. We never accept cash.
Accepted Modes
UPI — scan the QR code or pay to the UPI ID shown
NEFT / RTGS / IMPS bank transfer
Account-payee crossed cheque / demand draft
Pay only to the SEBI-validated UPI ID / bank account shared below or in your signed advisory agreement — never to any other UPI ID, personal account, or third party. We do not accept cash and never ask for advance payment beyond one year.
UPI ID: sheonarayan.ia@validsbi
All services come with
Transparent fee structures • clear advisory agreements • clearly defined of scope of services • conflict of interest disclosures
• safeguarding client confidentiality • dedicated grievance redressal process • periodic review meetings • ongoing support & communication
with fiduciary commitment to your financial well-being.
Ready to Begin Your Wealth Journey?
A no-obligation 30-minute discovery call with Sheo Narayan, SEBI RIA.
