Our Services

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.

What we offer

₹
Comprehensive

Comprehensive Financial Planning

₹

A complete 360° view of your financial life, delivered as a structured, personalized written report that covers following:

Financial Discovery

Your income, expenses, assets, liabilities & family details.

Risk Profiling

Your capacity, tolerance, required-risk & investment knowledge.

Existing Financial Analysis

A quick read across areas such as - Emergency Fund, Existing investments, Insurance, Goals, Loans, Retirement, WILL & Risk Profile.

Cash Flow & Net Worth

Where your money comes from and goes, plus a full asset-allocation breakdown, shown visually.

Goal-Based Planning

Target amount, timeline & funding gap for each goal, with projections, glide paths, dynamic SIPs, and scenario/sensitivity analysis.

Insurance Review

Life, health & accident cover gaps identified for you and your dependants, with the reasoning behind each recommendation.

Debt & Loan Counselling

A review of your existing loans, with prepayment and repayment guidance.

"What Happens If...?"

Stress-tests your plan against events such as a job loss or a medical emergency.

WILL & Nomination Review

Will status and a nomination checklist across every holding, so nothing is left unaddressed.

Asset Allocation

A goal-wise allocation and portfolio structure, based on your risk profile.

Product Recommendations

Products (may include insurance policies, mutual funds, SIFs, international funds, inbound and outbound GIFT city funds etc.) mapped to each goal, with rationale, expected outcome, risk level.

Projections & Tax Notes

Indicative, year-by-year growth illustrations with a de-risking glide path, plus tax-treatment notes by asset class.

Action Plan & Review

A prioritised list of next steps, with a defined ongoing review schedule.

SEBI Disclosures

Adviser identity, suitability determination & every disclosure included in report.

Good Financial Practices

Practical habits - reviews, automation, nominations & document hygiene - to help you stay on track.

Scope & Delivery

  • Scope: Review of maximum of 5 loans, 5 insurances, 8 investment schemes. For more coverage, a custom price applies.
  • Personalized comprehensive financial plan
  • Quarterly need based consultation

Demo on Request

Demo of Comprehensive Financial Plan available on request

1st year fee ₹14,888

Retainer Service from 2nd year

  • All services included in the Comprehensive Financial Plan, within its stated scope above
  • Ongoing service until cancelled
  • Implementation support for investments
  • Periodic tracking of investments and recommendations on any changes required
  • Need based consultation to address concerns about your financial plan or investments
  • Scope: Assets under Advice (AuA) of < 1 Crore, For more AuA, a custom price applies
Assets under Advice (AuA) based fee 0.28% p.a. of AuA Subject to a minimum fee of ₹14,888 p.a.
Schedule a Free Discovery Call
Tailored to You

Focused Services

A focused advisory track, scoped and priced to one specific need at a time - not a one-size-fits-all plan. Following focused services are available:

Portfolio Health Check-up Mutual Fund & SIF Portfolio Review Goal Based Planning
A second opinion on your existing investments - what's working, what isn't, and why. Portfolio construction, sizing & rebalancing across mutual funds, SIFs, international funds. Current Financial Analysis, recommendations, Corpus accumulation roadmap & a safe withdrawal-rate strategy.

Scope & Delivery

  • Written recommendation plan for the specific service you choose
  • For NRIs: Review of NRE, NRO accounts, Inbound & Outbound funds included however country specific laws, regulations, taxes, insurances etc. are excluded.
Discuss Your Needs

How It Works

Every advisory engagement runs through a structured, SEBI-compliant process - from first conversation to ongoing review.

Discovery Call

A no-obligation conversation about your requirements, goals. We explain our services, fees, scopes etc.

Onboarding & Agreement

KYC verification and a signed, SEBI-compliant advisory agreement setting out scope, fees and your rights etc.

Risk Profiling

You complete our risk-profiling questionnaire. We assess and document your risk profile.

Financial Analysis

You share your full financial picture. We analyse your position and identify strengths, gaps and risks.

Plan & Portfolio

We deliver a written financial plan and a diversified, goal-aligned portfolio recommendation with clear rationale, for your review and acceptance.

You Implement

You implement the recommendations yourself. We assist at no extra fee, if required and DO NOT earn any commissions from your transactions - we never hold your money.

Ongoing Review

Continuous monitoring, periodic reviews and updated risk profiling. Rebalancing recommendations happen only with your consent.

Corporate

Financial Wellness Sessions

Engaging financial literacy workshops for corporates, SMEs, and professional teams that covers following topics:

Money Basics

Savings, budgeting, goal-setting & emergency funds, from the ground up.

Power of Compounding

Why starting early changes everything.

Diversification & Allocation

Spreading risk the right way across asset classes.

Retirement & Tax Planning

Planning ahead, and keeping more of what you earn.

Insurance Essentials

What cover you need, when, and how much.

Debt Smarts

Good debt vs. bad debt, and how to tell them apart.

Path to Financial Independence

A practical roadmap, not just a buzzword.

Protecting Financial Health

Habits that guard against financial setbacks.

Common Mistakes

The pitfalls most professionals fall into, and how to avoid them.

Fraud Awareness & Digital Safety

Safe, informed investing in a digital-first world.

Live Q&A

Your questions, answered on the spot.

Scope & Delivery

  • Custom scope based on your specific needs - custom price applies
  • Delivered on-site or online, scheduled around your team's calendar

Demo on Request

Demo of Financial Wellness Session available on request

Schedule a Free Discovery Call

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 sheonarayan.ia@validsbi
  • NEFT / RTGS / IMPS bank transfer
  • Account-payee crossed cheque / demand draft
Pay only to the SEBI-validated UPI ID shown right side or bank account shared by us - 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 QR code for payment to IshaVasu - Sheo Narayan. UPI ID: sheonarayan.ia@validsbi UPI ID: sheonarayan.ia@validsbi

All advisory 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.

Schedule a Free Discovery Call