Transparent Fixed Fee Architecture
| Advisory Plan | Who It Is Best Suited For | Annual Fee |
|---|---|---|
| Comprehensive Family Plan | Salaried individuals, couples & families in India looking for complete goal planning, Direct Mutual Fund setup, insurance review, and tax optimization. | ₹19,999 p.a. |
| Global & Executive Plan | NRIs (NRE/NRO/FEMA), tech professionals with ESOP/RSU holdings, or families with complex portfolios (PMS, AIF, Bonds, Real Estate). | ₹49,999 p.a. |
What Is Included in Your Financial Plan
| What We Cover | How It Helps You & Your Family |
|---|---|
| Goal & Risk Discovery | Understanding your comfort with market ups and downs, and creating clear roadmaps for financial independence (FIRE), retirement, children's education, and home buying. |
| Direct Mutual Fund Portfolio | 100% commission-free Direct Plans. We declutter overlapping schemes, help you exit high-fee Regular plans safely, and build a clean mix of equity, debt, and gold. |
| EPF, PPF, NPS & Fixed Income | Aligning your provident fund, NPS, fixed deposits, and debt instruments with your overall asset allocation so your safe money works harder. |
| Insurance & Protection Checkup | Unbiased audit of your Term Life and Health Insurance to ensure your family is properly covered—without wasting money on low-return ULIPs or endowment policies. |
| Cash-Flow, Emergency Fund & Loans | Structuring your emergency safety buffer, monthly SIP automation, and smart prepayment strategies for home or personal loans. |
| Tax-Smart Investing | Minimizing capital gains taxes legally when switching from Regular to Direct funds, rebalancing your portfolio, or planning retirement withdrawals. |
ESOPs, RSUs & NRI Assets (Global & Executive Plan) | Managing company stock vesting and single-stock risk, structuring NRE/NRO investments under FEMA rules, and auditing existing PMS, AIF, or corporate bond holdings. |
| Nomination & Will Guidance | Ensuring all your financial accounts have clean nominations and organized records so your family can access wealth smoothly when needed. |
| Guided Execution & Ongoing Support | Step-by-step assistance to implement every recommendation on your existing investment platforms, backed by scheduled review calls and direct WhatsApp/Email access. |
Need a One-Time Second Opinion?
Not ready for a full annual plan yet? You can book a focused, one-time consultation for specific financial decisions (100% of this fee is adjusted if you upgrade to an annual plan within 30 days):
- • 100% Fee-Only Guarantee: We earn zero commissions, kickbacks, or referral fees from any mutual fund, insurer, or financial product.
- • Flat Fee Structure: Our fixed pricing depends strictly on planning complexity—never on your portfolio size. Your fee does not increase as your wealth compounds.
- • SEBI Statutory Compliance: All fixed fees strictly adhere to the SEBI (Investment Advisers) Regulations limit and are collected only after executing a formal Investment Advisory Agreement.
- • Transparent Billing: Fees are billed in advance via official banking channels (UPI / NEFT / IMPS). Cash is strictly not accepted as per SEBI norms.
- • No Hidden Taxes: Advisory fees are currently exempt from GST as the practice operates within the statutory threshold for mandatory registration.
Data-Driven Suitability Audit
Complete our secure, digital risk profile matrix. We map out your capital horizons, hard timeline constraints, and structural cash flow requirements to define your unique mathematical boundaries.
Fiduciary Contract Execution
We formally execute your SEBI-mandated Investment Advisory Agreement. This legally locks in your transparent fixed fee pricing framework and enforces absolute fiduciary protection strings.
Transition & Migration Engine
We perform an exhaustive audit of your legacy regular assets, safely building an exit strategy around taxes and loads to systematically migrate your capital entirely into direct factor models.
THE MATHEMATICAL DIRECT ADVANTAGE
Traditional brokers and distributors embed hidden trail commissions ranging from 1.0% to 1.5% annually directly into regular mutual fund plans. By migrating to clean direct portfolios with WealthTogether®, you instantly eliminate this distributor drag.
⚠️ SYSTEMIC WEALTH LEAK: Even on a standard ₹20,000 monthly SIP, that seemingly minor 1% distribution fee quietly steals a staggering ₹1 Crore from your long-term compounding path. Read our exhaustive mathematical audit: The Invisible 1% Fee Eating ₹1 Crore From Your Wealth.
Please ensure you have the following statutory verifications and data strings prepared to accelerate your regulatory registration sequence:
✔
Permanent Account Number (PAN) Credentials: Valid statutory documentation for identity routing.✔
KRA-KYC Registration Check: An active, verified status across any SEBI-registered Know Your Customer Registration Agency.✔
Consolidated Account Statement (CAS): A recent statement file extracted from CDSL/NSDL or CAMS to map your existing regular asset positions for transition auditing.