We will help you take control of your wealth and finances

Trust: We are a SEBI registered investment advisor with no conflict of interest. Our fixed-fee structure ensures unbiased advice, not commission-driven recommendations. If you decide to stop using our services, you stop paying fees - we don't get any trailing commissions

Growth: We help you identify your specific goals and get you there through planning, consistent support and advice.

Experience: We have experienced what your life has been and understand what an armed forces officer's or a corporate employee's financial needs are.

Accessibility: We believe in being available when you need us. Whether you have questions about your portfolio or need clarification on our recommendations, we are just a phone call or email away.

Financial planning is the process of managing an individual or household's finances to ensure they have adequate resources to meet both current and future expenses and financial goals. It involves analyzing income, expenses, assets, and liabilities, setting clear financial goals, prioritizing them, and creating a comprehensive plan to save, invest, and allocate resources wisely.

Financial planning also includes managing risks through insurance, budgeting, debt management, investment planning, tax planning, retirement planning, and estate planning. The goal is to create a sustainable financial strategy that provides financial security and helps achieve life goals in an efficient and organized manner. This process is holistic, dynamic, and requires periodic monitoring and adjustment to remain aligned with changing circumstances and market conditions.

Key Aspects of Financial Planning

• Goal Setting: Identifying short-term and long-term financial goals that are specific, measurable, realistic, and time-bound.

• Income and Expense Management: Balancing income and expenses to ensure adequate savings.

• Risk Management: Using insurance products to protect against financial losses due to unforeseen events.

• Investment Planning: Allocating savings to different asset classes based on risk tolerance and financial goals.

• Tax Planning: Optimizing savings and investments with consideration of tax implications.

• Retirement Planning: Preparing financially for retirement by estimating future expenses and building a corpus.

• Estate Planning: Organizing the transfer of wealth through wills and trusts to ensure the smooth transition of assets.

Our Services

At 360° Wealth Advice, we offer two comprehensive service models designed to meet your unique financial needs — Comprehensive Financial Planning & Direct Mutual Fund Advisory

See FAQs under these heads for services and fee details

No, we provide conflict-free advice with fixed fee services; as SEBI registered investment advisors we do not take any commissions from mutual fund houses - therefore our advice is unbiased and in the best interest of our clients.

All SEBI registered Investment Advisors will charge a fee. If someone is not charging a fee, they are not financial advisors, but commission-based distributers, agents or incentive-based bank employees.

Think of it like this: a commission-based advisor is like a salesperson who earns a bonus for selling certain products, while I'm like a personal doctor who diagnoses your financial health and recommends treatment without financial incentives from pharmaceutical companies.

In simple terms, the main difference between our service and a typical advisor who charges % commission is this:

• We charge a flat fee directly from you for our advice and planning. This means we make money only from the fees you pay us, not from selling you any products. We are paid upfront or periodically based on how much we help you plan and manage your money.

• Other advisors might not charge you a fee but instead earn money by selling financial products like insurance or mutual funds. They get a commission from the companies when they sell these products to you. They may be mutual fund distributors or relationship managers who earn incentives for selling.

• Commissions may be 0.8% to 1.2% for equity heavy portfolios every year, and 25% or higher for money back or ULIP policies.

Why does this matter?

• When we work with you, our advice is completely unbiased and focused on what’s best for you, because we don’t earn anything from selling products. Our main goal is to help you reach your financial goals.

• When an advisor earns commissions, they might prefer to sell products that give them higher commissions, which might not always be the best choice for you.

• Our clear, upfront fee means you know exactly what you are paying for, and we act in your best interest.

• If a financial product is not suitable for you, we may tell you not to invest in it.

In short, we focus only on your best interests, not on earning commissions from product sales.

This planning and advisory service is not meant for:

• Investors who want only stock or share tips without comprehensive planning.

• Those expecting guaranteed or fixed returns from investments.

• Individuals who do not want to commit to a holistic, long-term financial planning approach.

• Clients who prefer non-fee, commission-only relationships tied to product sales.

• Investors unwilling to engage actively in plan implementation and regular reviews.

Specific returns cannot be guaranteed on investments, because returns depend on many factors like market conditions, economic changes, and the type of investment you choose. Investing always carries some level of uncertainty. However, we construct and manage portfolios in such a way that the best mutual fund schemes suited for our clients are selected for investment, see below:

What are returns and risk?

Returns mean the money you earn from your investments over time. This could be in the form of interest, dividends, or increase in the value of your investments.

Risk means the possibility that your investments could lose value or not perform as expected. Higher potential returns usually come with higher risk.

How we work as your advisor:

We help you understand your risk tolerance—how much ups and downs you can handle in your investment value without panic.

Based on your risk profile, we recommend investments suitable for your goals.

We continuously monitor your portfolio and suggest adjustments as needed to align with your risk and return expectations.

Important points to remember:

We select the schemes that have performed well over a long period, across market cycles - hence they should perform well in future too.

However, we cannot promise fixed or guaranteed returns—this is against SEBI regulations.

All advised investments come with risks, and past performance is not a guarantee of future results.

Our aim is to help you manage risk wisely while working towards reasonable returns that fit your personal financial goals.

When recommending mutual funds, our approach is methodical and focused on quality, consistency, and risk management.

Mutual Fund Selection Process:

Vintage of Funds: We recommend funds with a proven track record of at least 7 years. This ensures the fund has managed through different market cycles and demonstrated stability.

Past Performance & Rolling Returns: Instead of looking at just one-year or cumulative returns, we evaluate rolling returns over multiple time frames (3, 5, 7 years) to understand consistency. This helps avoid funds that have only short-term spikes.

Risk Parameters: We assess the fund’s risk using statistical measures such as:

Standard Deviation: To measure volatility of returns.

Sharpe Ratio: To evaluate risk-adjusted returns.

Beta: To understand market correlation and sensitivity.

Downside Risk: Focus on protecting capital in falling markets.

Fund Management Quality: Experienced fund managers with stable teams are preferred to ensure sound decision making.

Portfolio Composition: We look for well-diversified portfolios aligned with your risk profile, avoiding overly concentrated or high-risk investments.

Consistency Across Market Conditions: Preference for funds that perform well during both bullish and bearish cycles, showing resilience.

Expense Ratio: Reasonable expense ratios ensure cost efficiency and better net returns.

Direct Mutual Funds are more cost-effective than Regular Mutual Funds primarily because they do not involve intermediaries or distributors who charge commissions or distribution fees.

• Lower Expense Ratio: Direct Mutual Funds have a lower expense ratio since the fund house does not pay commissions or distribution fees to brokers or agents. This reduces the overall cost charged to investors annually.

• No Distribution Commission: In Regular Mutual Funds, a part of the management fees goes toward paying brokerage and commissions to intermediaries, increasing the cost borne by investors.

• Higher Net Returns: Due to lower expenses, the net returns on Direct Mutual Funds are generally higher compared to Regular plans, even though the underlying portfolio is the same for both.

• Same Portfolio, Lower Cost: Both Direct and Regular plans invest in the same underlying securities with the same fund manager, but cost differences arise due to distribution expenses.