How we work
Simple rules. Written down. Followed every time.
You should know exactly what working with us looks like before the first call. Here it is.
Fee-only
One source of income: you.
We do not earn commissions, trail fees, referral fees or incentives from any fund house, insurer, broker or platform — today, or when our planning service opens.
Planning (on SEBI registration)
A single transparent advisory fee, agreed in writing up front. No performance fees.
Tax & compliance
A fixed fee per piece of work, quoted before we start.
Fee details
We share exact fees on the intro call and in writing. Book a call or message us.
You stay in control
We advise. You decide and execute.
Your accounts
Bank, demat and mutual fund folios stay in your name, with your logins.
Your decisions
Nothing happens without your explicit approval — for every filing and every transaction.
Your data
We collect only what the work needs, store it securely, and never sell or share it. Aadhaar copies are masked.
The process
What happens, and when.
| Step | What we do | What you do | Time |
|---|---|---|---|
| Intro call | Listen, explain how we work, answer questions | Tell us what you want sorted | 20 min |
| Engagement | Send scope, fee and agreement in writing | Read, ask, sign electronically | 1–2 days |
| Discovery | Send a precise checklist; review what you share | Upload documents once | About a week |
| Delivery | Prepare the filing; walk you through it | Approve, then act | Varies by work |
| Review | Tax calendar reminders; a yearly check-in | Tell us when life changes | Ongoing |
Evidence over opinion
How we think about money.
- Goals first. A plan should decide a portfolio, never the other way round.
- Costs compound too. Direct plans, low turnover where possible, taxes counted in every comparison.
- Test before trusting. We test ideas on twenty years of Indian data, with realistic costs and taxes, and publish what we learn as education.
- Bad years happen. We say so up front, size risks accordingly and keep the emergency fund out of the market.
- AI where it helps. We use AI tools to check documents, reconcile data and draft faster. A partner reviews and owns every output.
Questions about how we work?
Ask us anything on a free 20-minute call.