SEBI registered Investment advisor (RIA) with Registration number – INA 000000342.

Your Trusted Partner For All Financial Needs

Retirement Planning

Increasing longevity and absence of any social security system, makes retirement planning  utmost important to all of us in India. We help you in...

Tax Planning

Fixed deposit is one the most safe investments but it is not the most tax efficient option. We help you in reducing your tax burden by suggesting...

Higher Education Planning

The cost of an MBA which cost 20 Lacs now can be around 63 Lacs after 15 years with 8% inflation.  We will help you in planning for this to ensure...

Marriage Expense Planning

All of us have big dreams regarding marriage of our children. We help you in ensuring that you have enough money for this goal at the right time...

Holistic Advice That Covers All Aspects of Finance

Why you need Financial Planning?

Can you recollect the day in your life, when you handled cash for the first time? It can be at age 10, when you got pocket money from your father! Now think...

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Sukanya Samridhi Account for the Girl Child

After the recent budget, there is a huge rush in the post office to invest in the recently launched Sukanya Samridhi Account for the girl child.  The...

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Why You should Avoid Children Policies?

Nikhil and Rekha are expecting their first child next month.  Both are busy in making all arrangements to welcome the baby.  They want to start planning for...

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How to Improve Your Credit Score?

My friend Suresh had a shock last month, when his home loan application was rejected by the bank. Though he is having an annual CTC of 20 lakhs, bank...

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Financial Planner in India – Is the Fee Justified?

One of my prospective clients Ajay asked me an innocent question – How much I can save by paying the annual fee to you? Instead of giving him any...

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Investment options for NRIs – How to Choose?

2013 was a good year for NRIs when their dollars were earning more rupees with rupee depreciation. But this may not continue for long as dollar is...

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Testimonials

I came to know about Mr. Melvin through the face book group ASAN ideas for wealth. And till date I found him reliable than other advisers who got connected via some references. I had started DIY investing couple of years back, but soon realized that there is too much noise in the information available on blogs and the internet. I had started my investments with the knowledge I gained from some of the blogs, but I was always unsure if I was making the right investment decisions. After few conversations about my goals, existing assets and future plans, Melvin drew up an easy to understand plan. He also periodically checks that I am on the right track with my plan. He has helped me in putting my investments in right track. He is always available for any doubts and he does his job with passion. I have already personally recommended Melvin to several people, and would be happy to recommend him to anyone who would like an effective fee-only financial advisor

Sijo Jose

I started on my financial planning journey a little later than I should have. So when I looked around for professional help, I came across many firms who offer financial planning services. Most of them had a mutual fund distribution business or were trying to push for their demat/trading platform, not to mention that they were charging a bomb. During the process of this discovery, I became quite clear that I would actually be looking for a fee-only advisor in order to get an unbiased view without any conflict of interest.

When I approached Melvin, the ease with which he spoke to me clarified a lot of my concerns in the first call itself. I decided to go with Melvin's service. The best part of the engagement was there was actually no need to meet face to face. Everything be it data collection, goal definition,review of existing investments, review of final plan etc. happened over call and email. The entire process was extremely comfortable.

Even after the final plan was given to me, Melvin takes the extra effort from time to time to check about the progress in terms of implementation. Other than this, even for my minor queries, I keep bothering Melvin from time to time and he has responded each single time without fail.

In today's time, when finding advice without any kind of conflict of interest or bias is next to impossible, Melvin is my go to guy when it comes to financial advice

Satyajit, Mumbai

Being a D.I.Y investor for several years, I always hesitated to approach any financial advisor.

However, during this year's annual portfolio re-balancing activity, I decided to take professional feedback and started looking for SEBI registered fee-only Financial Advisors.

 

I found Mr. Melvin’s details in freefincal.com and after comparing with several others, I decided to contact him.

 

The whole process of financial planning and portfolio review was handled in a very professional way.

It started with understanding my financial goals followed by an in-depth analysis of insurance needs to secure my family's future.

During our multiple rounds of discussions, important gaps were identified in existing insurance cover and also in one particular financial goal.

 

Once the corrective measures were understood, the focus then shifted to reviewing existing mutual fund portfolio. While retaining good funds, he re-aligned the portfolio by replacing few funds. His extensive knowledge of products paired with an impartial advice has helped me in creating a holistic portfolio.

 

I can say with complete confidence that approaching him proved to be very beneficial.

 

Pavan, Bangalore