Two decades of high-stakes finance. Offered freely to two people a month. Not everyone qualifies.
I do not
charge for
this.
I am a full-time finance professional. I do not take on paid advisory engagements on the side. There is no fee, no retainer, and no invoice. Not now. Not later.
What I offer is two weekend sessions per month, to two people whose situations I find genuinely interesting. I review your financial position, give you my honest assessment, and tell you what I would do in your place. Then I walk away. You keep the advice.
This is not a business. It is a commitment to using what I know in a way that actually helps someone.
Finance is not
a DIY project.
Social media has reduced the complex world of financial instruments to something that looks like a simple weekend project. It is not. Consider the parallel with your health. You can read about nutrition, supplements, and training programmes. Being informed is useful. But when the stakes are high, you see a specialist. Not a fitness influencer with a YouTube channel. A specialist.
Your financial life is no different. Awareness of basic principles is good. Outsourcing the analysis of your entire financial position to reels and social media posts is not a strategy. It is a gamble dressed up as discipline.
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.
Not sure where you stand? Test your financial knowledge here before deciding whether you need a second opinion.
Not every
case interests me.
There is a minimum bar. If your total investable net worth is below Rs 5 crore, meaningful financial advice becomes largely academic. Without a corpus of substance, there is little to structure, allocate, or protect. I will not occupy one of two monthly slots with a conversation that cannot produce a material outcome for you.
Beyond the numbers, I will not work with someone who is not willing to put in the effort to understand their own finances. If you want me to hand you a list and disappear, this is not the right arrangement. The session works when you come prepared, engaged, and honest about your situation.
Your total investable net worth is below Rs 5 crore. You may be asset-rich on paper, property, jewellery, EPF, but without a meaningful liquid corpus, there is nothing concrete to advise on. Good advice requires something to act on.
You are not willing to share complete financial information. A partial picture produces a partial assessment. That is not useful to either of us.
You have not made a genuine effort to understand your own finances. I am not a tutor. I am a sounding board for people who are already thinking seriously.
In a session, I work through your complete financial picture. This is not a quick chat. It requires complete disclosure from you and structured analysis from me. What follows is a plain-English assessment and a set of clear recommendations.
This is offered freely because I find it worthwhile, not because it is a business. The only cost is your time and your honesty.
Weekends.
Two people.
Full attention.
I review applications during the week. Sessions happen over video call on weekends. Preparation takes place before the call, you send me your complete financial picture in advance so the session is spent on analysis and recommendations, not data collection.
An obligation,
not just a
principle.
As an active CFA charterholder, I am bound by the CFA Institute's Code of Ethics and Standards of Professional Conduct. This is a formal, enforceable obligation that comes with the designation, not a marketing statement.
That obligation requires me to act with integrity, competence, diligence, and respect. It requires me to place the integrity of the investment profession above personal interests and to maintain professional competence.
In a market where most people offering financial opinions operate without any enforceable ethical framework, this matters. You are not relying on my word alone. You are relying on a code that has governed the global investment profession for decades.
One paragraph is enough. Tell me what you are trying to solve. I will tell you whether it interests me.
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