Personal Finance Advisory  ·  By Appointment Only

Harjesh
Singh Kaushal

CFA  ·  ACCA  ·  CIMA  ·  MBA

India  ·  UAE  ·  UK  ·  Singapore

I am not looking for clients.
If you found this page, you probably are the kind of person I might consider working with.

01  /  Who I Am

Over $1 billion
transacted.
4 countries. 2 decades.
4 qualifications.
Zero shortcuts.

My professional life has been spent executing complex cross-border transactions, not theorising about them. I have sat across the table from founders, lawyers, investment bankers, tax consultants, PE fund managers, Sovereign Wealth Fund managers, and regulators in multiple jurisdictions. I have completed more than 20 acquisition transactions with total transaction value exceeding USD 1 billion, across North America, Europe, and Asia. I have lived in the global wealth capitals of the world: Dubai, Singapore, and London. I understand how real money moves, where it hides, and where it gets destroyed.

I am a CFA, ACCA, and CIMA charterholder with an MBA from IIT Roorkee. Every single exam, cleared on the first attempt. Ranked number one in the Middle East for ACCA Advanced Financial Management. Above 90th percentile in the CFA exams. Credentials at this level are not collected. They are earned through sustained, deliberate effort over years.

CFA Charterholder ACCA CIMA MBA · IIT Roorkee #1 Middle East · ACCA AFM 90th Percentile · CFA

02  /  Track Record

I have done the hard work in the real world, not in a classroom or behind a distribution desk. When I got on calls, it was not to sell something. It was to challenge the work of Big 4 firms on financial and tax due diligence. When I walked into a meeting room, it was not to take minutes. It was to negotiate complex legal documents alongside Top 20 law firms' lawyers, on transactions that moved real money across borders.

I have also walked away from deals after due diligence revealed what the numbers tried to hide. Knowing when not to act is half the job. In personal finance, it is probably more than half.

I have lived and worked across four countries. I understand how money is taxed, structured, regulated, and protected across different jurisdictions. That is not something you learn from a book or a certification course.

I've delivered
results over
slide decks.

03  /  The Market You Are Navigating

India's advisory market is
drowning in noise.

01

The Product Pusher
Holds an AMFI registration and calls themselves a financial advisor. Their job is to sell you mutual funds. Their income comes from commissions on what you buy. Your portfolio is their inventory. They are not your advisor. They are a distributor with a nice LinkedIn profile.

02

The Successful Non-Expert
Made real money in a high-paying job, a startup, or a profession. Now considers themselves an authority on wealth. Has opinions about markets, stocks, crypto, and real estate. Zero formal training. No structured framework. Just confidence and an audience.

03

The Certification Collector
Did a weekend course. Got a CFP certificate. Reads one finance book a year. Manages their own portfolio with decent results in a bull market and calls it expertise. Would not survive a structured conversation about asset-liability management or tax-efficient structuring.

04

The Content Creator
Has 200,000 followers. Makes reels about SIPs and compounding. Simplifies everything to the point of uselessness. Is monetising your anxiety, not solving it. Sells a course for 9,999 rupees that covers what you could read in a weekend.

04  /  What I Offer

Two weekends
a month.
No charge.

I am a full-time finance professional. I do not take paid advisory work on the side. There is no fee, no retainer, and no invoice.

What I offer is two weekend sessions per month to two people whose financial situations I find genuinely interesting. I review your position, give you my honest assessment, and tell you what I would do in your place. You keep the advice. That is the entire arrangement.

I do not manage your money. I do not earn commissions. I do not have a product to sell you. I have no financial interest in any recommendation I make. In a market full of people who do, that is worth noticing.

05  /  Who I Work With

Two people.
Each month.
No exceptions.

Two sessions a month is a deliberate limit. It keeps this honest. If I took on more, the quality of thinking would drop and this would stop being useful. So I keep it small, selective, and serious.

Most people who apply will not be a fit. I will tell them so within 72 hours.

I work with people whose situations I can genuinely add value to:

  • High-earning professionals in India: doctors, lawyers, senior corporate executives, consultants, engineers with significant equity compensation.
  • Business owners and founders who have built real wealth and now need to protect and structure it properly, not just grow it.
  • NRIs returning to or investing into India who need someone who understands both the jurisdictional nuances and the Indian market reality.
  • People at inflection points: a liquidity event, a large inheritance, a job change, an ESOPs vesting, a property sale. Moments when the wrong move is expensive.
  • People who are sceptical by nature, ask hard questions, and want straight answers rather than reassurance.

06  /  Scope of Work

What I do.

  • Blunt, structured assessment of your current financial position. No flattery.
  • Asset allocation strategy built around your actual goals, tax situation, and risk profile.
  • Second opinion on existing portfolio, insurance, and investment decisions. Including telling you that something is wrong when it is.
  • Structuring advice for large transactions: real estate, business sale, ESOP monetisation, inheritance.
  • Cross-border financial planning for NRIs or those with income or assets in multiple countries.
  • Ongoing advisory relationship for people who want a thinking partner, not a product manager.

What I do not do.

  • Manage your money on a discretionary basis.
  • Sell any financial product. Ever.
  • Tell you what you want to hear.
  • Work with people who want validation rather than advice.
  • Charge a fee. There is no invoice, no retainer, no payment of any kind.

This is offered freely because I find it worthwhile, not because it is a business. The only cost is your time and your honesty about your situation.

Final Word

Free advice
is not always
cheap advice.

If your situation is one I can genuinely help with, you will get two decades of high-stakes finance experience applied to your specific problem. At no cost.