Transparent Fixed Fee Architecture
| Core Parameter | Tier 1: Essential Wealth | Tier 2: Strategic Wealth | Tier 3: Private Wealth |
|---|---|---|---|
| Target Asset Horizon | Investable Assets < ₹75 Lakhs | ₹75 Lakhs – ₹5 Crores | ₹5 Crores+ Core Ledger |
| Fixed Fee | ₹20,000 p.a. | ₹50,000 p.a. | ₹1,50,000 p.a. |
| Video Consultation | Bi-Annual Scheduled Sessions | Quarterly Strategic Progress Syncs | Priority Booking / On-Demand Access |
| Portfolio Tracking | Standard Dashboard Setup | Consolidated Wealth Blueprint | Full Household Balance Sheet MIS |
Service Scope Matrix
| Deliverable Services Scope | Tier 1: Essential Wealth | Tier 2: Strategic Wealth | Tier 3: Private Wealth |
|---|---|---|---|
| Risk Profiling & Behavioral Analysis | Yes | Advanced | Advanced / Comprehensive |
| Goal Optimization & Multi-Asset Allocation | Basic Blueprint | Advanced Modeling | Bespoke Lifestyle Mapping |
| Mutual Fund Evaluation (Pure Direct Plans) | Yes | Yes | Yes |
| Insurance Cap Review (Term & Health) | Basic Gap Check | Detailed Optimization | Detailed Optimization |
| Emergency Corpus Redundancy Setup | Yes | Yes | Yes |
| Tax-Saving Capital Optimization Guidance | Yes | Advanced Integration | Advanced Integration |
| Equity Compensation Analysis (ESOPs/RSUs) | No | Yes (Basic Allocation) | Yes (Liquidity Strategy) |
| Estate Distribution Framework (Will Checklist) | No | Basic Checklist | Legacy Blueprinting |
| Non-MF Asset Evaluation (PMS/AIF/Direct Stock Reviews) | No | Second-Opinion Risk Audits | Portfolio Structural Audit |
| Cross-Border NRI Capital Allocation Map | No | Yes (Indian Inbound Assets) | Yes (Compliance Map) |
| Unified Family Goal Alignment Reviews | No | No | Yes (Family Access) |
Dedicated Virtual Project Mandates
For complex lifecycle transitions requiring isolated tactical advisory, we offer dedicated remote consultations completely independent of our annual retainers:
- • Advisory fees are currently exempt from GST as the firm operates within the statutory threshold for compulsory GST registration. GST at the prevailing rate (currently 18%) will only apply as and when mandated by government regulations.
- • Fees are billed strictly in advance via secure electronic bank transfers (NEFT / IMPS). We do not accept cash or card markups.
- • Our flat fixed pricing structure remains completely static and independent of your portfolio scale as your capital compounds.
- • Strategy Renewals: Ongoing annual portfolio tracking and rebalancing plan renewals are executed at optimized renewal pricing frameworks.
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 ₹10,000 monthly SIP, that seemingly minor 1% distribution fee quietly steals a staggering ₹70 Lakhs from your long-term compounding path. Read our exhaustive mathematical audit: The Invisible 1% Fee Eating ₹70 Lakhs 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.