Fee-Only · Fiduciary · India

Simplify your financial life.

By integrating comprehensive financial planning and investment management, we help you grow, manage, and protect your wealth, so you can focus on pursuing your dreams.

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Registered Investment Advisory practice · SEBI-aligned disclosure standards

Practice at a Glance

Years in Practice12+ Yrs

Fiduciary StandardClient-First

Assets Under Advisory₹1,850+ Cr

Advisor CredentialsCFP® & CFA®

Service ModelHolistic

₹1.85K CrAdvised Assets

12+ YrsIn Practice

94%Retention Rate

ZeroCommissions Earned

Fee-Only Fiduciary

Tailored wealth strategies that put your interests first

"As independent, fee-only fiduciary financial advisors, we have the freedom to develop your financial plan and investment strategy without conflicts of interest. We are not here to sell you products."

Because we earn zero commissions and sell no proprietary funds, our incentives remain perfectly aligned with yours before, during, and after every recommendation.

Winding forest pathway representing dynamic wealth mapping

Supporting Investors, With Purpose

01 / Planning

Financial Planning

Planning your financial future is a life-long process. We'll ensure your financial plan adapts as your life and goals evolve.

02 / Investing

Evidence-Based Investing

We build investment portfolios based on the science of financial markets. Decades of Nobel-winning research guide our strategy.

03 / Oversight

Ongoing Management

Rest easy knowing we keep you on track by managing your investments and monitoring your financial plan daily.

04 / Support

Unlimited Support

We meet with you regularly in-person, by phone, or online to coordinate tax, estate, and cash-flow decisions.

Who We Serve

Wherever you are in your financial life, there's a starting point

Q: Is my income actually working for me?

Salaried Professionals

Structured saving, tax-efficient investing and a plan to build wealth without a spreadsheet obsession.

Q: Is my personal wealth tied to my business?

Business Owners

Separate personal balance sheet planning from business cash flow, and build wealth outside the company too.

Q: Are my assets across two countries aligned?

NRIs & Offshore Clients

Cross-border investment coordination, repatriation planning, and staying compliant on both sides.

Q: Are we planning as a household, or separately?

Couples & Families

One shared plan for children's education, home purchase, and long-term security — built together.

Q: Does our wealth plan protect what we've built?

High-Net-Worth Individuals

Structured portfolio oversight, risk management, and legacy planning built for multi-generational horizons.

Q: Am I planning around my own goals, or someone else's?

Transparent Fee Model

Independent, conflict-free planning on a flat-fee or transparent assets-under-advisory basis.

Try It Yourself

How comfortable are you with market swings?

Move the sliders below to see how a sample allocation might shift with your comfort level and time horizon. This is a simple illustration, not a recommendation — your real allocation depends on your full financial picture.

Risk Comfort Level Balanced

Investment Horizon 15 Yrs

Sample Allocation

50%

35%

15%

Equity Debt / Fixed Income Gold

Illustrative Readout

ProfileBalanced

Equity50%

Debt / Fixed Income35%

Gold15%

Your actual plan factors in existing holdings, debts, goals and tax position — this is a starting conversation, not a portfolio.

How We Work

A five-step process, start to finish

No surprise fees, no jargon-heavy proposals. Here's exactly what happens when you work with us.

Discovery Call

A free, no-obligation conversation to understand your situation and confirm we're a good fit before anything else happens.

Onboarding & Data Gathering

We collect a full picture of your income, expenses, holdings and obligations — the raw material for an honest plan.

Plan Presentation

You receive a written plan covering allocation, tax, insurance and goals — explained in plain language, not product pitches.

Execution

We help you implement the plan step by step, at your pace, coordinating with your existing bank, broker or insurer as needed.

Periodic Review

Markets move and life changes. We revisit the plan on a set cadence and after any major life event.

Wealth isn't built by chasing the next hot fund. It's built by making a small number of good decisions, then leaving them alone.

EUM India Consultancy Principal Advisory Team

In Their Words

What clients say after working with us

"Our first conversation covered our actual priorities, not a product brochure. Two years in, we still get that same clarity at every review."

"I wanted an advisor who wasn't tied to any fund house. EUM's fee-only structure meant every recommendation felt like it was actually for us."

"The written plan gave us a structure we could actually follow — and a way to check, every quarter, whether we were still on track."