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 (for Resident Indians)

Comprehensive

Comprehensive Financial Planning

A complete 360° view of your financial life - structured into a clear, actionable plan tailored to your life stage.

In-depth review of your existing financials
Risk profiling & suitability assessment
Insurance planning (life, health & protection gaps)
Emergency fund & liquidity planning
Cash flow & net worth analysis
Goals (Education, Marriage, Foreign trips, Vehicle, Home etc.) planning & retirement planning
NPS, EPF & PPF optimisation
Assets allocation & portfolio structuring
Tax-efficient investment advice
Debt/Loan management & counselling
Estate & succession planning (Will & nomination review)
On demand free consultation throughout the year
Quarterly or half-yearly review meetings

Net worth < ₹50 Lakhs ₹9,888/year Renewal: ₹7,416/year (75%)

Net worth ₹50 Lakhs - ₹2 Cr ₹14,888/year Renewal: ₹11,166/year (75%)

Net worth ₹2 Cr - 4 Cr ₹24,888/year Renewal: ₹18,666/year (75%)

Net worth ₹4 Cr - 8 Cr ₹44,888/year Renewal: ₹33,666/year (75%)

Net worth > ₹8 Cr Fixed fee/year Get a Quote

* Renewal fees are subject to change every 2 years

Plan Your Finances

Tailored to You

Customized Services

A flexible advisory shaped around your specific need or goal.

Portfolio health check-up & second opinion on existing investments

Net worth < ₹75 Lakhs ₹7,888/-

Net worth > 75 Lakhs Fixed fee/year Get a Quote

Mutual Fund portfolio review, Portfolio construction, sizing & rebalancing in combinaton with Mutual funds and SIFs

Net worth < ₹75 Lakhs ₹9,888/year

Net worth > 75 Lakhs Fixed fee/year Get a Quote

Financial Independence, Retire Early (FIRE) Planning, Corpus accumulation roadmap & safe withdrawal rate strategy

Net worth < ₹2 Cr ₹19,888/-

Net worth > 2 Cr Fixed fee/year Get a Quote

Customized services like
• Wealth management services or
• Family office advisory / execution support or
• Equity advisory

Depending on requirements Fixed fee/year Get a Quote

Discuss Your Needs

Corporate

Financial Wellness Sessions

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.

Customised sessions for teams of any size
Salary structuring, CTC & employee benefits awareness (NPS, EPF, ESOPs)
Equity & mutual fund literacy for employees
Savings, emergency funds, budgeting & debt management basics
Family & household budgeting, goal-based planning
Life-stage planning - marriage, parenthood & home buying
Retirement & tax planning awareness
Insurance & protection gap education
Credit score & healthy borrowing habits
Fraud awareness & safe digital investing practices
On-site & virtual formats available

Online ₹12,888/- Per session

On-site ₹18,888/- Per session

Multiple sessions Fixed fee Get a Quote

Book a Corporate Session

Non-Resident Indians (NRIs)

A dedicated advisory track for NRIs, distinct from our resident financial planning services above.

NRI Advisory

Comprehensive Financial Planning for NRIs

Comprehensive financial planning tailored for NRI needs (risk profiling, suitability assessment, review of existing investments, cash flow analysis, goal planning, asset allocation & portfolio restructuring etc.)
Advisory services for Indian financial market including GIFT city products and services
On demand free consultations throughout the year
Quarterly or half-yearly review meetings
Excludes country specific laws, regulations, taxes, insurances etc.

Net worth < 2 Cr Fixed fee: ₹24,888/year

Net worth 2 Cr - 4 Cr Fixed fee: ₹34,888/year

Net worth 4 Cr - 8 Cr Fixed fee: ₹54,888/year

Net worth > 8 Cr Fixed fee/year Get a Quote

Plan Your Finances

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.

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 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.