Onboarding Process

Before we begin our journey together, we follow a structured, step-by-step onboarding process designed to ensure transparency, alignment, and a seamless experience. This thoughtful approach lays the groundwork for a focused, goal-driven, and lasting partnership.

Phase 1: Letter of Engagement

Once our introductory call is complete, we’ll begin the formal onboarding process to initiate our engagement, I’ll email you a Letter of Engagement. This document outlines the terms and conditions of our advisory relationship, ensuring transparency and mutual understanding. If you're comfortable with the terms, simply sign it either digitally or physically and include the date of signing. Once that’s completed, you’ll proceed to make the first-year advisory fee payment, as per the plan you’ve chosen. This step marks the formal beginning of our engagement and sets the tone for a clear and professional journey ahead.

Phase 2: KYC Documentation

Once the advisory fee is paid, I’ll require a few documents from you to complete the Know Your Client (KYC) process, as mandated by SEBI regulations. These include soft copy of your PAN Card & Aadhaar Card. You can simply share clear scanned copies or high-quality photos of these documents via email. This step ensures regulatory compliance and enables us to move forward smoothly.

Phase 3: Risk Profiling

Next, I will share a Risk Profiling Questionnaire to better understand your comfort with financial risk and align your investment strategy accordingly. The questionnaire consists of simple multiple-choice questions, Remember-there are no right or wrong answers, just honest reflections of your preferences and mindset. You can complete it by either highlighting your responses in the digital document and emailing it back, or Printing it, filling it in by hand, and sending a scanned copy. Once I receive your responses, we’ll schedule a follow-up conversation. This will help clarify your answers, ensures accurate interpretation, and gives me deeper insight into your goals, values, and expectations so your financial plan is built on a foundation that truly reflects you.

Phase 4: Risk Profile Report

Based on your questionnaire responses and our follow-up discussion, I’ll prepare and share a Risk Profile Assessment Report. This report will summarize my evaluation of your risk tolerance and investment preferences. It serves as the foundation for designing a financial strategy that aligns with your comfort level, life goals, and long-term aspirations. From here, we take the first meaningful step toward building a secure, purpose-driven financial future tailored for you.

Phase 5: Detailed Discussions and Plan Presentation

1. Assessment of Financial Situation

After receiving your complete data, we’ll schedule our first discussion session. In this session, we’ll take a close look at your current financial situation, helping me understand your income, expenses, assets, liabilities, and overall financial landscape.

2. Portfolio Review & Goal Setting

Next, we’ll review your existing investment portfolio. I’ll share my professional assessment, highlighting:

 i) Which products align well with your financial goals & which products may no longer serve your objectives and can be reconsidered.

 ii)We’ll also work together to define or refine your short-term and long-term financial goals, ensuring they’re realistic, measurable, and aligned with your aspirations.

3. Presentation of the Financial Plan

Based on our discussions and the information provided, I will create and present your personalized Financial Plan within 7 working days. This comprehensive plan will include:

i) My recommendations across various financial areas (investments, insurance, budgeting, etc.

ii) The rationale and suitability behind each recommendation

iii) Clear reasoning to support your decision-making

Your feedback is always welcome—I’ll be happy to incorporate your suggestions wherever feasible. Once finalized, the plan will be ready for implementation.

Ongoing Review

A half-yearly review will be conducted to evaluate the progress of your financial plan. During this review, we’ll assess whether the plan is being followed effectively and whether it is contributing to positive changes in your net worth.

Of course, you’re always welcome to reach out at any time for support, guidance, or clarification. My goal is to be accessible and responsive whenever you need assistance.

Annual Renewal

After one year, you’ll have the opportunity to renew your engagement. The benefits of renewal include:

1)Ongoing alignment of your financial strategy with changes in income, life circumstances, or major events·

2)Consistent guidance to support your evolving goals and needs·

3)Expert advice for important financial decisions

4)And most importantly, Peace of mind, knowing you have a trusted adviser by your side

Disclaimer : We are not affiliated with any financial products such as mutual funds or insurance, and we do not earn any commission from the sale of such products. This ensures that our advice remains completely unbiased. However, we are happy to provide general guidance if you need help implementing your plan. Rest be assured that there are no hidden fees involved. I don’t offer advice on derivatives, cryptocurrencies or other unregulated products. We don’t track the portfolio on monthly basis. We don’t do in person meeting, every session will be done online.