SEBI Registered Investment Adviser · CFP® Professional
Solo Advisory Practice
Real financial planning is not a product, a fund recommendation, or a top-10 list. It is a system built around your life, your goals, your behaviour, and your specific uncertainties. Most people have never experienced it — and don't know what they're missing.
Talk to Jeetu → Sound familiar? Keep reading ↓Most people arrive at financial planning through one of these paths. None of them lead anywhere good on their own — not because the people aren't intelligent, but because they're playing the wrong game.
Picks funds off top-10 lists. They underperform, so more get added from the new list. Eighteen funds later — zero coherence, no idea what to do next.
More funds is not more diversification. It is more confusion.
Assumed their 30s and 40s would give them time to figure it out. Later has arrived — retirement is five years away and the numbers don't add up.
Later always arrives. The question is whether you're ready when it does.
Smallcap gave 40% last year — went all in. Now riding a cycle they don't fully understand, hoping to get out before it turns.
Last year's returns are last year's story. Not yours.
Reads enough to be dangerous. Moves money on Fed decisions, oil prices, election outcomes — guessing with extra steps and fancier vocabulary.
Nobody has consistently predicted macro. Nobody.
Picks funds off top-10 lists. They underperform, so more get added from the new list. Eighteen funds later — zero coherence, no idea what to do next.
More funds is not more diversification. It is more confusion.
Assumed their 30s and 40s would give them time to figure it out. Later has arrived — retirement is five years away and the numbers don't add up.
Later always arrives. The question is whether you're ready when it does.
Smallcap gave 40% last year — went all in. Now riding a cycle they don't fully understand, hoping to get out before it turns.
Last year's returns are last year's story. Not yours.
Reads enough to be dangerous. Moves money on Fed decisions, oil prices, election outcomes — guessing with extra steps and fancier vocabulary.
Nobody has consistently predicted macro. Nobody.
It is not a spreadsheet. It is not a fund recommendation. It is a living system — built around who you are, what you want, and how life and markets will inevitably surprise you.
Your relationship with money and your real risk tolerance — revealed under pressure, not on a questionnaire.
Specific, honest, prioritised goals — not "retirement" and "house," but what your life actually looks like.
Enough to know what costs do to compounding, and enough to ignore bad advice.
EPF, PPF, insurance, tax, goals — one interconnected system, not separate decisions.
Decisions made in advance, so panic doesn't make them for you when markets fall.
Real options, honest trade-offs, laid out plainly. You stay in control.
The bar for financial planning in India is low. Most people who have "seen a financial planner" have received a product recommendation dressed up as a plan — and don't know what they're missing because they've never seen the real thing.
Not because you aren't intelligent enough. Most people who need a planner are extremely capable. The problem is structural.
Your career demands your best hours. Financial planning done properly is not a weekend task. It requires sustained attention that most professionals simply cannot give it.
Most people think financial planning is a checklist — six months of emergency fund, "adequate" insurance, a retirement number. That's folklore, not expertise. I held a SEBI RIA licence and pursued the CFP anyway — a licence lets you practice. It doesn't teach you the technical depth the work actually needs.
Not because they don't know the sport — a coach tunes performance from the outside, in ways you can't do for yourself. Here, that means two things: a plan built in advance to be panic-proof, and someone to reason with when the instinct is to act.
We all blame the insurance agent who sold us a policy we didn't need. The same thing continues today — dressed up as complex investment products, an endless menu of mutual funds, and product innovation nobody asked for. It's not a coincidence. It's how AUM grows. This is not a neutral environment to make decisions in, alone.
I am a CFP® professional and a SEBI-registered, fee-only planner — paid entirely by you, never by commission. I work with a small number of clients, deliberately. Evidence-based, index-first, because the data leaves little room for opinion. I don't promise returns — nobody honest does. What I promise is a plan built around your real life, reviewed as it changes. That is the job.
No preparation needed. No commitment implied. Just an honest conversation about where you are and whether this is the right fit.
Talk to Jeetu →SEBI Registered Investment Adviser — INA000022145