You built a Life abroad. Much of your financial life is still in India

We work best with people who value a long-term advisory relationship over quick transactions, and clarity over complexity. That's often true for NRIs and professionals whose financial lives span countries, accounts and responsibilities.

The best way to know if we're the right fit is to have a conversation. If we believe we can genuinely help, we'll tell you. If we don't, we'll say that too—and happily point you in a better direction.

Yes — and often it’s an advantage. Much of your financial life stays anchored in India: investments, property, taxes, family, and perhaps your eventual return. Coordinating that from abroad, across time zones and shifting rules, is exactly where a SEBI-registered adviser in India earns its place. We work with clients living outside India entirely online — scheduled video calls and a shared, organised view of your finances — so the relationship fits your calendar, not a branch you’d have to visit.

No. We give advice; we never hold your money. Your investments stay in your own accounts, in your own name, with your own banks and fund houses — we have no authority to move anything. We also earn no commission from any product, so nothing sits quietly on our side waiting to be sold to you. You pay us a fee for advice, and that’s all. The separation is deliberate: it keeps our guidance independent and leaves you in full control.

Yes — it’s one of the moments planning matters most. A return shifts almost everything at once: your residency and tax status, how your overseas assets are treated, your investments, insurance and often your income. Choices made in the two or three years around a move can shape your finances for decades. We help you plan the transition before you fly — what to keep, unwind or restructure, and in what order — so you arrive with a plan rather than a pile of questions. Even years out, it’s worth starting early.

Most advice in India is really product selling, because that’s how the adviser is paid. Fee-only means you pay us, and no one else does — so what we suggest isn’t shaped by what earns us more. NRIs feel this most: you’re often sold insurance-linked plans and schemes that look appealing and quietly work against you. When no product pays us, we can say the honest thing, including “you don’t need this.” The measure of our advice is whether it’s right for you, not whether it closes a sale.

Probably — but not more products. Most people we meet already own plenty: some funds, a little insurance, property, maybe an NPS account and holdings in two countries. What’s missing is rarely another investment; it’s the thread connecting them. Planning is that thread — it asks whether what you own actually serves your goals, whether it’s tax-efficient across borders, and whether your family could manage it if they had to. Financial planning isn’t about adding more investments; it’s about making every financial decision work together to support the life you want to build.

Gladly — we often do. You may already have a Chartered Accountant for your Indian taxes, an accountant abroad, or a lawyer for your estate. We don’t replace specialists — we help bring their advice together. Financial decisions rarely stay in one box: an investment has tax consequences, a move home reshapes your estate plan, insurance touches all of it. Our job is to connect those pieces so your advisers agree rather than contradict one another. With your permission, we’re happy to speak with them directly.

That’s completely fine — it’s the point of a first conversation. Both of us get to decide, without pressure, whether working together makes sense. There’s no obligation and no follow-up sales calls. If we’re not right for you, we’ll say so, and you’re welcome to use whatever clarity you gained on your own or elsewhere. We’d rather you leave with a useful perspective than commit to something that isn’t right. A good decision for you is a good outcome for us — even when it’s “not now.”