Beyond mutual funds — planning that handles real complexity.
When the portfolio crosses ₹5 Cr, the questions change. PMS or AIF? GIFT City or domestic? Family LLP or HUF? We build the structure, not just the asset list.
HNI financial planning isn't just “bigger mutual fund selection.” The questions shift to asset allocation across PMS strategies and AIF categories, succession through HUFs / family trusts / private trusts, tax structuring including offshore vehicles where relevant, and the operational complexity of tracking 30+ holdings across 8 institutions.
We work with you independently — no PMS or AIF kickbacks. The recommendation is what actually fits your goals, tax situation, and risk profile.
Designed around your reality
- Independent PMS and AIF evaluation — we look at process, drawdowns across cycles, fee transparency, manager pedigree, NOT past return tables
- Multi-vehicle asset allocation: MF base + targeted PMS + selective AIF + alternatives (unlisted, REIT, private credit)
- Family office equivalent reporting: consolidated net worth, cost basis, gain/loss, IRR by vehicle, across multiple family members
- Tax structuring: HUF/private trust setup, Section 80GG, REIT distribution tax treatment, cross-vehicle harvesting
- Succession framework: will, nominee alignment, asset titling, transfer mechanics, gifting strategy
- Quarterly reviews with Ashish, plus an annual deep audit of the entire structure
Situations we see all the time
“I have ₹15 Cr spread across 8 PMSs, 3 AIFs, and 22 mutual funds”
First, we map the actual underlying exposures (you almost certainly have 60–70% overlap between your PMSs in large-cap names). Then we restructure — reducing scheme count, eliminating fee waste, and rebuilding around 3–4 distinct strategies that actually add value.
“My CA says HUF, my friend says private trust, I don't know which”
Structure choice depends on succession goals, family composition, tax bracket of beneficiaries, and operational complexity tolerance. We model the 10-year tax and succession outcomes of each option for your specific situation before recommending a path.
“I want to leave a clear plan for my spouse if I'm not around”
We build a one-page ‘continuity binder’ — every account, every passcode location, every advisor contact, the financial plan logic in plain English, what to do in the first 90 days, the next 1 year, and the next 5 years. This single deliverable is often the most valued.
“Should I move significant capital to GIFT City?”
Depends on your tax residency, time horizon, and what you're trying to access (offshore equity, foreign currency hedging, structured products). We model the actual after-tax economics vs domestic alternatives — sometimes GIFT City wins, often it doesn't.
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