Connecting with Clients
- Identifying goals and prioritising it
- Understanding Challenges
- Mapping Income & Expenses
- Risk Profiling
SEBI Registered • Fee-Only Advisory
Live Better, Not Just Wealthier
Structured, Purposeful Financial Planning – For Life, Not Just Investments
Complaint Data - SEBI Guidelines Updated Monthly
Monthly Complaint Data
| Sr. | Source | Pending Last | Received | Resolved | Pending | >3mo | Avg Days |
|---|---|---|---|---|---|---|---|
| 1 | Investors | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | SEBI | 0 | 0 | 0 | 0 | 0 | 0 |
| 3 | Others | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0 | 0 | 0 | 0 | 0 | 0 | |
Yearly Disposal Trend
| Sr. | Year | Forward | Received | Resolved | Pending |
|---|---|---|---|---|---|
| 1 | 2024–25 | 0 | 0 | 0 | 0 |
| 2 | 2025–26 | 0 | 0 | 0 | 0 |
| Total | 0 | 0 | 0 | 0 | |
Monthly Disposal Trend – FY 2025–26
| Sr. | Month | Forward | Received | Resolved | Pending |
|---|---|---|---|---|---|
| 1 | April 2025 | 0 | 0 | 0 | 0 |
| 2 | May 2025 | 0 | 0 | 0 | 0 |
| 3 | June 2025 | 0 | 0 | 0 | 0 |
| 4 | July 2025 | 0 | 0 | 0 | 0 |
| 5 | August 2025 | 0 | 0 | 0 | 0 |
| 6 | September 2025 | 0 | 0 | 0 | 0 |
| 7 | October 2025 | 0 | 0 | 0 | 0 |
| 8 | November 2025 | 0 | 0 | 0 | 0 |
| 9 | December 2025 | 0 | 0 | 0 | 0 |
| 10 | January 2026 | 0 | 0 | 0 | 0 |
| 11 | February 2026 | 0 | 0 | 0 | 0 |
| 12 | March 2026 | 0 | 0 | 0 | 0 |
| Total | 0 | 0 | 0 | 0 | |
About Us
WHO WE ARE
SEBI-registered investment advisor who works only for you, not for product manufacturers. We earn directly from our clients (fee-only advisory), not from commissions on financial products. This eliminates conflicts of interest and ensures advice that is truly unbiased. A "You First" philosophy, backed by a "Money Well Directed" approach, will help you strike the right balance between living well today and building a secure, richer future.
Client First
Zero Commission
Unbiased Advisory
Trusted Guidance
Meet the Founder
About Viresh Patel
With over 20 years of experience, he has guided families across the globe—including clients from 8 countries such as India, Australia, Singapore, UK, US and Japan. His expertise spans working with both NRIs and residents, with a strong focus on India-specific financial planning, investments, and wealth management.
Connect on LinkedIn
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Governing Body 
Certification Certified Financial Planner ® Financial Planning Standards Board (FPSB) India -
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Institute 
Degree Postgraduate Programme – Securities Markets – Investment Advisor National Institute of Securities Markets (NISM) -
Governing Body 
Certification Licentiate Insurance Institute of India
Our Approach
WHAT WE DO
Insurance & Risk Management
- Financial Risk Identification
- Life, Health & Other Insurance Evaluation
- Emergency Fund Planning
Investment Planning
- Asset Allocation As Per Risk Profile
- Monitor, Track & Rebalance
- MFs & Stocks (local/global), PMS, AIF, SIF, Bonds, FDs, Real Estate, Gold, Loans
- Goal Oriented – No Short Term Trades
Income Tax Planning
- Declarations & Tax-efficient Decisions
- Filing Support
- Half-yearly Computations (if Needed)
Retirement Savings & Income Planning
- Customised, Purpose-led Corpus Planning
- NPS, EPF, ULIPs, Pension Plans, ESOPs, RSUs, Social Security
Estate Planning & Compliance
- KYC, Nominations, Account Consolidation
- Residential Status, POA, Gift Deeds, Will, Living Will, Trusts
- Legal & Tax Compliance with CA, Lawyers, RMs, Global CPAs/CFPs
After a thorough assessment of your status, we define the exact steps and the precise scale of investment needed to achieve your goals. We evaluate your current position to deliver a customised plan—telling you what to do, how to execute, and the exact scope required for maximum impact.
What makes us different?
Someone in your network suggests a couple of mutual funds or “hot” stock tips. Your bank recommends an insurance plan. Sounds familiar?
Most of this advice comes at zero cost. Then why pay us for similar advice? When advice is free, you are the product. These recommendations are often driven by commissions, targets, or incentives… not necessarily what’s best for you.
We work differently. No commissions. No hidden agenda. No product bias. Your interest first. Always. Our fixed-fee model versus assets under advisory model of other SEBI-registered advisors makes us the most cost-effective in our segment.
Transparent Pricing
Fee Structure
i
One-time solution
Review/ second opinion/ course correction/first income planning
ii
One-time solution
Decision-making such as closing home loan vs investment, buy/upgrade home vs rent, transition planning such as single to married or with a kid, separation—accidental, natural or by choice, job to entrepreneurship/career shift
Annual solution
Regular monitoring with proactive involvement throughout year
Our Sweet Spot Clients
Who We Serve Best
Our Process
Our seven-step approach replaces uncertainty with a disciplined strategy for your wealth. From risk profiling to ongoing execution, we provide the expert handholding required to navigate your financial future with confidence.
You may have money in your bank account and a few scattered investments, but is it enough to achieve your financial goals? We help you bring everything together. By understanding your income, expenses, and existing investments, we design a clear, goal-aligned strategy for you. When your money has a plan, it works harder for you. The result? Fewer gaps, smarter decisions.
Financial Mapping
Goal Clarity
Gap Analysis
Purposeful Investing
