What we do
Our services, across your whole balance sheet
A documented plan that connects every rupee to a purpose, planning for lives and assets that cross borders, and a portfolio built and maintained against the plan — covering not just mutual funds but property, gold, EPF, PPF, NPS, ESOPs and global assets.
Advisory (fee-based, SEBI RIA INA200016917): Financial Planning · Cross-Border Planning
Distribution (commission-based, Fliber Wealth, AMFI ARN-275255): Wealth Management
Service A · Advisory
Comprehensive Financial Planning
Five plans, turned into one document you can act on.
Goal planning
Identify, cost and prioritise the goals that change at every life stage.
Risk planning
Anticipate, evaluate and build the safety net your dependants would actually need.
Tax planning
Use every legally available lever, year after year, rather than every March.
Retirement planning
A second innings funded by a plan, not a hope.
Estate planning
An orderly transition to the people you leave it to.
What you receive
- Advisory agreement setting out the capacity we act in
- Documented financial plan
- Goals list with costs and horizons
- Net-worth statement and cashflow
- Risk profile
- Asset allocation
- Scenario planning
- Investment dashboard
- Personalised portfolio
- Hands-on execution support
And then we do not stop: we monitor and rebalance, review formally every six months, and stay available in between.
Service B · Advisory
Cross-Border Planning
For families returning to India, NRIs investing here, and residents with assets abroad — one plan that works on both sides of the border.
Residency status
Work out, year by year, whether you are Resident, RNOR or Non-Resident under Indian tax law, and what each status means for your income.
RNOR window
Plan the timing of a return so the RNOR years are used deliberately, before your global income becomes taxable in India.
Overseas holdings
Foreign bank and brokerage accounts, retirement plans, ESOPs and RSUs — what to keep, what to move, and how each must be reported.
Remittances & accounts
NRE, NRO and FCNR accounts, the Liberalised Remittance Scheme and repatriation, arranged so money moves when and how you need it.
Double taxation
Use tax treaties and foreign tax credits so the same income is not taxed twice, in coordination with your tax advisers in each country.
What you receive
- Advisory agreement setting out the capacity we act in
- Residency status assessment for the coming years
- RNOR timeline with key dates
- Inventory of overseas assets and reporting obligations
- Account and remittance plan
- Asset allocation across both countries
- Brief for your chartered accountant and overseas adviser
- Integration with your financial plan
We advise on planning and investments; we do not file tax returns or give legal opinions, and we work alongside your chartered accountant and overseas advisers. Start with our free RNOR status calculator or the cross-border tax guide.
Service C · Distribution · Fliber Wealth
Holistic Wealth Management
Not just assets — your wealth managed across the full risk–return spectrum, in India and abroad.
Portfolio optimisation
Risk-adjusted construction using back-testing and Monte Carlo simulation, so the plan is stress-tested before it is funded.
Personalised dashboard
One consolidated, always-current view of the whole portfolio, rather than a folder of statements.
The product basket, across the risk spectrum
Capital protection
- Savings & FDs
- Liquid funds
Govt-backed
- PPF · SSY
- SCSS · NSC · NPS
Fixed income
- Debt funds
- Bonds
Growth
- Equity & index funds
- Hybrid · REITs · Gold
- Global equity
Sophisticated
- PMS
- AIF — equity & credit
- GIFT City
Availability of any product depends on suitability, your risk profile and regulatory eligibility. Nothing here is a recommendation to invest in a particular product.
Beyond the individual
Financial wellness for organisations
The same expertise, extended to your people — turning financial stress into focus.
Awareness sessions
Complimentary, jargon-free workshops on cash flow, tax, retirement and goal-based investing.
One-to-one advisory
Confidential personal guidance for employees who want a plan of their own.
Ongoing wellness
A quarterly calendar of webinars, plus an ask-an-adviser helpdesk.