What investment advisory from a CA firm means
Most investment advice in India arrives attached to a product. A bank relationship manager recommends what the bank is distributing; an agent recommends what pays the highest commission. Advice from a chartered accountancy firm starts from a different place: your tax position, your cash flows and your obligations, with the product decision coming last rather than first.
Our advisory covers tax-efficient investment planning, portfolio structuring and wealth & retirement planning. Practically, that means analysing your current asset allocation and its after-tax return, matching investments to goals and time horizons, using the deductions and exemptions available under the old regime where they genuinely apply, planning capital gains realisation and harvesting across financial years, structuring family income across members to use available exemptions lawfully, and building a retirement corpus plan with a withdrawal strategy that does not create an avoidable tax event.
An important scope note
We advise on the tax and financial-planning dimension of your investments — structure, allocation, timing and after-tax outcome. We do not act as a distributor of financial products and do not earn commission on what you buy, which is precisely why the advice can be neutral. Where a regulated investment adviser or broker is needed for execution, we work alongside them.
Who this service is for
- Salaried professionals in Delhi NCR whose section 80C limit is already consumed by EPF and home loan principal, and who need to know what genuinely adds value beyond that.
- Business owners whose personal and business finances have blurred, and who need a clear separation between working capital and long-term wealth.
- Investors with concentrated portfolios — typically Delhi property plus fixed deposits — whose real after-tax, after-inflation return is lower than they assume.
- People approaching retirement who need a drawdown plan across EPF, PPF, NPS, annuities and mutual funds that manages the tax impact year by year.
- Families planning succession, where gifting, HUF structures, nomination and will provisions all interact with the tax position.
- Anyone facing a large one-off event — a property sale, an ESOP exercise, a business sale — where the decision made before the transaction matters far more than anything done afterwards.
Our advisory process
- Discovery. We map current income, assets, liabilities, insurance cover, dependants and stated goals — with realistic timeframes and amounts attached to each goal rather than vague aspirations.
- Tax position analysis. We compute your position under both the old and new regimes, since that choice determines whether deduction-linked investments are worth anything to you at all.
- Gap and risk review. We identify the gaps that matter most — usually inadequate term and health cover, no emergency fund, and over-concentration in a single asset class — before discussing returns.
- Allocation and structure plan. A written allocation is proposed across debt, equity, retirement products and real assets, matched to your goals, with the tax treatment of each holding period made explicit.
- Implementation support. We help you sequence the actions across financial years, coordinate with your broker or adviser for execution, and document what was decided and why.
- Annual review. Allocation drifts, tax law changes and life changes are reviewed each year, alongside your income tax return filing, so the plan and the return stay consistent.
What we ask you to bring
- Last two years' income tax returns and computation sheets
- Current salary structure or business income summary
- Bank and fixed deposit statements, with interest certificates
- Mutual fund consolidated account statement (CAS) and demat holding statement
- EPF, PPF and NPS account statements
- Life and health insurance policy documents with current premiums and sum assured
- Home and other loan statements showing outstanding principal, rate and tenure
- Property details — purchase cost, year of acquisition, current rental income
- A short note on goals: what you want, by when, and roughly how much it needs
Why choose us for investment advisory in Rohini
Three principles govern how we advise. First, after-tax return is the only return that matters. A headline yield means little until you apply the slab rate, the holding period and the applicable capital gains treatment to it. Second, tax saving is a consideration, not a strategy. Buying a poor product in March to save tax is a reliable way to lose more than you saved. Third, we do not forecast markets. We do not promise returns, quote past performance as though it were a prediction, or claim any track record we cannot substantiate. What we offer is disciplined structure and a clear view of the tax consequences of each choice.
Our fees are transparent and quoted upfront based on the scope of work, with no hidden charges — a one-time planning engagement and an annual review retainer are quoted separately.
Advisory sits naturally alongside income tax return filing and tax planning in Delhi, since the same figures drive both. Business owners usually also need accounting and assurance support to separate personal wealth from business capital cleanly, and succession planning frequently requires a will or family arrangement drafted under drafting of deeds. See all our services.
Frequently asked questions about investment advisory
Do you sell mutual funds, insurance or other financial products?
No. We advise on structure, allocation, timing and tax treatment, and we do not earn commission on any product you buy. That is deliberate — it is what allows the advice to be neutral. Execution is done through your own broker, bank or a regulated investment adviser.
Is tax-saving investment still worthwhile under the new regime?
Under the new regime most deduction-linked investments do not reduce your tax, so the case for them must rest on their own merits as investments. Under the old regime they can still be valuable. This is exactly why we compute your liability under both regimes before recommending anything — the regime choice determines whether the deduction has any value to you.
How do you decide an asset allocation?
From goals and time horizons, not from market views. Money needed within three years is not exposed to equity risk; money for a goal fifteen years out is not left entirely in fixed deposits losing to inflation after tax. We then check for concentration risk, adequate liquidity and insurance cover before finalising the allocation.
Can you help plan the tax on a property sale?
Yes, and this is the single most valuable point at which to involve us — before the sale, not after. Capital gains computation, the applicable exemptions on reinvestment, the timing of the transaction across financial years and the buyer's TDS obligation all need to be planned in advance. Once the sale deed is executed, most of the planning options have closed.
Do you guarantee any returns?
No, and you should treat any adviser who does with considerable caution. Market-linked investments carry risk, and past performance is not a reliable indicator of future results. What we can do is make the risk, the time horizon and the tax consequence of each decision explicit before you commit.
Start with your actual numbers
Bring your last two returns and a list of what you hold. In one session we can usually show you where the after-tax return is leaking and what to do about it. Book a consultation or call +91 97173 55259.
Advice without a product attached
No commissions, no forecasts, no promises of returns — just a clear view of your position, the tax consequences, and a structure that fits your goals.