We believe that a clear financial plan provides the foundation for making good investment decisions. Everything we do starts with listening to you.
Our team of Certified Financial Planner™ (CFP®) professionals spends significant time asking questions and listening to your thoughts, your plans, your worries, your hopes, and your generational dreams.
We help you filter out the noise of the financial media, replace speculation with structural discipline, and establish a clear roadmap that gives you confidence that your planning is in good order.
In addition to target asset allocation, our team of experts provides coordination across all areas of your personal finance. Click on the topics below to explore:
We review and advise on wills, trusts, beneficiary designations, and the ownership structure of your assets to ensure they align with your intended legacy goals without friction.
We construct detailed, multi-stage retirement cash flow models. This allows you to visualize cash inflows, spending needs, and portfolio depletion rates across various lifespans.
We regularly audit your portfolio for estate tax liabilities and capital gains optimization opportunities, working to ensure maximum asset retention for your beneficiaries.
We structure optimal savings paths for children's higher education, analyzing tax-sheltered educational savings plans and growth assets timed to tuition needs.
We provide objective advice on the structured repayment of debt, mortgage configurations for primary or secondary homes, and leveraging opportunities that safeguard cash flow.
We optimize your 401(k), EPF, and PPF contributions. We advise on asset allocations inside employer accounts, deferred compensation schedules, and employee stock options (ESOs / RSUs).
We analyze optimal timelines for claiming Social Security benefits or corporate pensions to maximize cumulative lifetime payouts for you and your spouse.
We design charitable gifting strategies, advising on donor-advised funds (DAFs), charitable remainder trusts, and the gifting of highly appreciated securities to capture tax benefits.
We act as a centralized financial coordinator, working directly with your CPA, tax accountant, and estate attorney to ensure that all advice is consistent and fully implemented.
Our family office solutions are custom-fit to the governance, preservation, and administrative needs of multi-generational households:
We facilitate family meetings to articulate a core family mission statement, helping to unify multi-generational values around wealth accumulation, distribution, and societal impact.
We guide sensitive conversations around generational transition, preparing heirs to manage inheritance responsibly and communicating philanthropic intentions clearly.
We build structured governance models, creating operational frameworks and education pathways for successors to step into administrative roles with clarity and confidence.
We audit ownership entities, holding structures, and trust distributions to ensure complete alignment with your overarching estate plan, highlighting adjustments as laws change.
We provide objective oversight of executors, corporate trustees, and custodian banks, ensuring compliance with trust directives and maintaining administrative efficiency.
During times of loss, we deliver hands-on, compassionate administrative support to guide executors through inventory cataloging, asset retitling, and tax-efficient estate settlement.
Business owners face complex needs bridging corporate holdings and private net worth. We assist with:
We map out the interrelationship between legal entities, capital structures, corporate debt, and key governance layers to establish a clean framework for exit scenarios.
We review and stress-test existing buy/sell agreements, evaluating the adequacy of related funding vehicles (such as key-person insurance) to avoid partner conflicts.
We project personal post-sale cash flows and tax liabilities under multiple transition routes: ESOP sales, management buyouts, family transitions, or private equity recapitalizations.
We represent your personal interests, collaborating closely with business valuation firms, M&A advisors, investment bankers, and corporate accountants during deal execution.
We couple a credentialed investment team with a disciplined, unemotional process to capture long-term market returns efficiently.
Our Investment Committee is comprised of research analysts and portfolio managers holding advanced credentials (MBA) and industry-gold certifications (CFA® / CFP®). The committee conducts primary research, screens asset managers, and models specific target allocations for EUM Optimal Portfolios.
We utilize a long-term investment approach grounded in proven academic research. We construct globally diversified portfolios across multiple asset classes and sectors, avoiding speculation, market timing, or emotional fads. Every position in the portfolio exists to serve a specific, documented goal.
EUM India Consultancy operates under the strict fiduciary standards of a registered investment advisory. We do not sell insurance, distribute mutual funds for commissions, or accept kickbacks from any product provider. Our advice is independent, conflict-free, and legally bound to serve your interests.
We partner with high-net-worth families who typically have a minimum of ₹5 Crore in investable assets or have the income capacity to scale to that level in the near future. Our fees are billed as a transparent annual flat rate or a sliding assets-under-advisory (AUA) percentage starting under 1% and decreasing at higher asset tiers.
Detailed fee schedules, disclosures, and engagement models are transparently documented in our SEBI-RIA Advisory Agreement.