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

I searched for FEE only financial planner and came across finvin. The fees are nominal and the initial discussions were very enthusiastic and while answering the questions, I too learned. This exercise definitely arises your thought process about finances and changes the perspective you look towards your goal. The confidence given is of much help and gives a sense of mental satisfaction when you know that in an untoward incident the designed financial plan is going to take care of it, provided you are disciplined enough to follow the suggestions.

I am happy with the service provided to me by Melvin and I certainly recommend him.

Arijit S,Mumbai

Being a chartered accountant, I personally believe that proper financial planning is very important. For long, I was not sure of how to go about finding the right financial planner, until I came across an article in Finvin website. This is the reason I decided to use his financial planning services, and I am very happy with my decision to do so. Melvin’s approach to analyzing my finances has been very systematic. It is also customized, since every individual's circumstances are different. He has come up with sensible suggestions about the changes that I should make. His analysis provided me with the conviction, and consequently the peace of mind, that I am on the right track. I strongly recommend Melvin’s services to anyone who cares about his family & financial health.

Vijay SethDubai

I am really thankful for the advice given by Melvin sir and as per his advices I am managing my finances . As per Melvin Sir advices most of my personal loans are cleared and I having a great relief. Thank you very much Sir and looking forward for many more advices for my financial planning.

Pankaj SinghMumbai

Being involved in professional and domestic commitments ,I have never bothered to know about efficient financial planning and management. After reading an article on taxation of mutual funds in your site, I realized how much tax I am paying on my bank deposit interest, which can be saved. Your site offers more and more articles to know how to make best use of whatever money we make .Thank you for the efforts to educate the people who lack discipline in money management. Your service charge of 5000 is very well justified. Thank you for guiding me for my financial goals.

Mayur ShettyMangalore

Unbiased advice at affordable prices – Yes Melvin is really practicing what he preaches. He asked to check up with few of his clients first regarding his services. This shows his confidence in his clients.It is always a pleasure to read all articles posted by Melvin which are very informative, simple, clear and concise. During the creation of my financial plan, he was very responsive, attended to all my concerns and clarifications very fast. I am very happy with the service provided to me by Melvin and would definitely recommend it to anyone, who want to plan his financial goals.

Amit MishraDelhi

Melvin has not only helped me understand my current financial state of affairs , but also provide insight into my lifelong financial planning with alternate options suitable to my short term & long term goals . He is one of the few SEBI registered investment adviser who is not selling any financial instruments. He recommends the best products which we can buy online and save cost. It secures your thought process & supports you in taking the right actions at the right time. I feel happy being connected to Melvin and highly recommend everyone to reap the offered benefits by a dedicated financial planner.

Laxmi ParabBangalore

Thank you Melvin for making my financial planning. It is not about just recommending some products but bringing the analytics, insights and power of observation and thereby helping me understanding the inner nature of financial planning...keep up the good work and may God bless you.


Hi Melvin Thanks for the 360 degree financial planning work done for me. We, both working never thought about many of these goals. The Data sheet was an eye opener for us to think on those goals. I really thank you for your patience in answering many of my queries that too with clarity. Yes, Now I really understand the benefit of engaging a financial planner. I am sure you will help our family in reaching the financial goals. Thanks Melvin and expect your continued support.


I had too many calculators of my own for any kind of financial planning. But until I join FINVIN none of my plans worked and were never systematic. Now I am free of all tensions with this plan from Mr. Melvin. Great!


I am an engineer from Mumbai but often travelling abroad. With limited knowledge of financial products, I never bothered to have a structured financial life. I knew my goals but lack of understanding of various products, left me confused and prevented me from making any investment decisions. In between the bank sold me many ULIP policies - a blunder which I realised later. This put me in a state of dilemma . I looked for a financial planner .That is when I came across FINVIN Mr. Melvin spent quality time and listened to me. No sales pitch ! His understanding of products and readiness to listen to my issues helped me to develop a financial plan to meet my goals. He explained the logic behind his recommendation in a simple manner. I am confident of reaching my goals. Thanks Melvin. I feel It is a must for all . The fees charged by him is realistic when compared to benefits derived.

Manoj TiwariMumbai

My son was bent on getting a financial planning done for me as he had found benefits after doing the exercise for himself. Initially i was skeptical with all the financial information being shared upfront to a person who would design ideal 'financial life'. After a chain of emails exchange the information required was shared with Melvin and our expectations from him was set. It was indeed good to see his promptness and 'simple' language explanation to all my queries. I feel with the solutions he proposed (action for all of them have been started while i write this) did convince me to go ahead and will do good to achieve my retirement goal in peace. In short the exercise was comprehensive in nature which ensured that aspects of health insurance, tax planning & retirement corpus investment are taken care of in best possible manner which is not only convincing to act upon but easy to understand (thanks to simple & lucid explanation in the formal plan). I wish him the best for his future and sincerely hope that more people utilize his services to keep their financial life on track.


I subscribed to the service of Melvin 6 months back and so far found him to very knowledgeable about his subject and very easy person to deal with. He has a well thought out strategy to understand the overall financial roadmap of his client and he is very methodical in his approach and is always reachable through calls/SMS/mails etc. He has helped me understanding and fixing goals for me and explained me the suggested financial solutions in minute detail. I am in the implementation phase now and, I am sure he will continue to offer excellent service by reviewing the financial plan. I am sure, this service will help my family in the long term. Thank you Melvin for the great service.


Mr. Melvin has been a great help to my family and has streamlined our finances bringing us into a comfortable position now. He has an in depth knowledge of the subject of personal finance. He also knows how to deal and explain in simple terms, the entire subject to us. His planning helped us in reaching many of our short term goals. When I was about to stop my SIPs two years back, he persuaded me to continue them and now I am enjoying the benefits of it. Thanks Melvin for your efforts. I recommend Mr. Melvin to anybody who want to clean up their personal finance with true value added recommendations without any sales pitch.

Amit KumarKolkatta

Can I write about a person whom I have not seen even once? Yes, I can. I was handholded my Mr. Melvin for the last 3 months in cleaning my personal financial matters which were in a mess - Thanks to many LIC agents and tips from friends. He listened to all my silly doubts patiently and suggested ways to come out of the mess. Now I am on track after the financial planning with Mr. Melvin. It covers all vital areas of one’s financial life. I am enjoying a peace of mind now with regards to my financial matters! Thanks Mr. Melvin for your concern and personalised service. God bless.

Sameer ChandraUAE

I recently got my personal financial planning done by Melvin Joseph. He is very easy going guy, every friendly & humble. My first reaction after reading the plan prepared by him was it is very easy to understand and implement. His plan is very comprehensive & easy to implement. He doesn’t bog you down with unnecessary data collection. His requirement are very detailed & goal based planning is very helpful. He is very responsive to follow up queries. Based on the plan provided by him I am very confident & have a clear picture of how I will be able to attain my financial goals. Thank you Melvin for your efforts & continue the good work.

Ram N SSingapore

I am using the services of Mr. Melvin for the last 4 years in planning my financial life. I thought of writing this as an appreciation of his good service to me and family in the last 4 years. I benefitted in the following areas: 1. Exiting from the unproductive investments 2. Realigning my insurance portfolio with least cash flow 3. Maintaining the optimum emergency fund 4. Suggestion of investments in the best instruments available in the market which suited my unique needs. Last year he helped me in moving to direct plan in mutual funds. Recently there was a property purchase and he suggested the best possible funding options. Altogether, I would like to thank him for the support in the last 4 years. Yes, he is client centric and do it at a reasonable fee. All the best.

Nitin VoraNew Delhi

Thanks Melvin for the simple light weight financial planning tips, which is totally understood by a IT person like me. I was afraid that finance is bit complicated for me from young days. But your process is so simple that anybody who is serious can follow it. You made my financial journey simple and made my life bit relieving. After implementing the plan, really I have more surplus now, which really improved my quality of life. Will meet you sure next time when I am in India. Till then through skype chat.

Vineet ShuklaDubai

We were looking for a neutral financial adviser in navimumbai after reading a blog in Face book. I contacted some planners and found most of them keen in selling more policies, Mutual funds etc. Me and my husband were already having a bunch of policies of LIC and private companies. We really want to consolidate our policies. Contacting Mr. Joseph was a surprise because he told in the beginning itself, that he is not selling any financial products. We met him in his office and it was a nice experience. He listened to all our queries and come out with answers which really suit us. We realised that we were just paying premium for some of the good for nothing policies. We never heard about term policy until he explained to us. Though we invested in mutual funds earlier, it was stopped after the 2008 crash. He really educated us in how we should manage the personal finance. Thanks to Mr. Joseph for this wonderful service.

Nitin & AkilaNavi Mumbai

I am aged 55 and started looking at retirement as a priority now. I recently got my financial planning done by Melvin He is very easy going guy, friendly & simple. He helped me in realigning my portfolio. This was a pleasant experience. His plan is very simple to understand and implement. He will not trouble you with unnecessary data collection. His requirements are very detailed & goal based planning is very helpful. He is very responsive to follow up queries. Based on the plan provided by him I am very confident & have a clear picture of how I will be able to attain my financial goals. I have asked my son in law who is in Dubai to contact Melvin for his financial planning. Thank you Melvin for your efforts & good luck.

Vijay ShankarBangalore

To contact a fee only financial planner was a new experience for me. To be honest, I was not entirely sure but thought to give it a try. Then I met Melvin through a Facebook group. The best thing he did ,when we meet first time, was that he made me comfortable. (We, as people, are not really comfortable to talk about salary and health problems... :-p) He listened to my unique situation. After a lot of discussion we came up with a financial plan. Since then whenever i had any small and stupid query, he was always there to help me out. That shows his dedication towards work, professionalism. The tips and tricks, services, and products suggested by him has been working well for me so far. I would definitely recommend Melvin for his financial service.

MaheshNavi Mumbai

I approached Mr. Melvin, when I was working in Dubai 3 years back. He helped me in arranging my financial life in order. He urged me to start SIPs, term policy, health insurance etc. I really got the benefit of his service recently when I lost my father in an accident. Melvin helped me a lot in arranging for the claim settlement from LIC, helped me in arranging the documents and made the process very simple – all through remote control, because I am in Delhi and he is in Mumbai. Now he is helping me with the investment of the lump sum amount received. All this at a very reasonable annual fee. Really personalized service, I will vouch for his dedication in this profession.

Mukesh GuptaNew Delhi

I am a teacher and my husband work for IT sector. We are married for 5 years and have never taken any concrete steps to decide on the personal financial plans. From a TV show, I heard about the need for a financial plan for the family and started searching for a good financial planner in Bangalore. I realized this field is very cunning because many planners are agents also and they are keen on their commissions. Thanks to Google, I could reach Mr. Melvin in Mumbai. He is a neutral adviser who is not connected with any company and he is getting fees only from us. Though we could not meet him (we are in Bangalore), we have gone ahead and availed his services. Our experience for the last 6 months are very good and he really supported us in planning our personal finance. Thank you Mr. Melvin.

Rema KurupBangalore

Being a software engineer I thought of planning my finances in the smartest way myself. But I had no knowledge on how to start learning and arrange my finance in order. I heard about Melvin from one of my friends and start reading his articles in Finvin website from 2013. I used to mail him when there is a doubt and he used to clarify. I was very much impressed by his responses even to an unknown person. Later I realized that personal finance is much important and it is better to take professional help. I contacted Melvin and realized that he is the right person whom I am looking for to help me to shape and lay road map for my finances. Melvin is true to his profession and is a good listener and is very prompt in his response. Melvin has taken greater care in laying road map so that I could easily reach all my goals.

Rajiv RustogiDubai

I joined for the services of Melvin in 2010 and he recommended me good investment options for my life goals. It was mainly through mutual funds. I started investing in MFs via SIPs. But after 2 years, I was not happy with the performance of funds like HDFC top 200, Birla Frontline equity etc and stopped them after 3 years against the recommendation of Melvin. But I have not sold these funds. But I am a happy man now because all the recommended funds are performing well. I rejoined for the services of Melvin this month and now started SIPs in 4 funds as per his financial plan. I paid his fee of 9000 happily because I realised my mistake I made by discontinuing his services. Melvin is 100% impartial and is helping investors with genuine interest. I feel such an advisor is like our family doctor. Anil Kapoor, Noida

Anil KapoorMumbai

Dear Sir Melvin, Ignorance is Bliss and I were very happy till I met you. My two meetings with you, I realized that my knowledge of investment are below pass marks. And that time I came to know that " YOU CAN'T BEAT KNOWLEDGE AND EXPERIENCE ! " Dear Sir, I highly obliged for your Kind & Humble advise and service which I received from You ! This will give me a very good support in My post retirement life .Hope to get same service from you in future & our relation knot will be tighter day to day. Thanks for everything. Regards to You "n" Yours near & dear. Take care and All the Best.

N. DsouzaMumbai

I am really glad I opted for Melvin's financial planning. I read his posts and reviews in various social platforms related to financial planning and reached out. Not only did he spend a considerable amount of time patiently going through all aspects of my investment and expenses, he gave a very detailed analysis of how I should focus my future. Also deeply appreciate his promptness to my queries. Happy to recommend Melvin to all my friends.


I was thinking that the 2-3 LIC policies and my PF will take care of me and family. After reading a blog on retirement planning I contacted Mr. Joseph. I was bit skeptical to discuss personal matters over phone (We normally avoid such things even to known people). But a 5 minute chat with him, gave me confidence to discuss things frankly. To be honest, my experience with Mr. Joseph was amazing. He realized my situation well and took me through the financial planning process. I was living in present ignoring the future. To me planning was to get a good salary hike every year. But now I realized that managing money is equally important and we need a fee only planner like Mr. Joseph to support us. I realized that I have to compromise my life style later, if I don’t plan now. Sooner or later, everybody should go for a financial planner to save us from the non sense selling agents. Thank you Mr. Joseph.

Vishal SharmaNew Delhi

Melvin has greatly helped me in post retirement investment planning.One has to be careful and needs clarity on many aspects (such as risks involved,duration & type of investment etc) while investing their retirement fund.He took keen interest and resolved all my queries and doubts before initiating investment.He always responds quickly and is ready to answer your queries however small.My best wishes to him. Thanks and Regards.


I am working in the middle east for the last 5 years and was drawing nice salary. Since I don’t have much knowledge about financial matters the income was invested in bank deposits, after all expenses. In between I invested in some of the insurance plans of Oman Life insurance company. After 5 years, I realized that those policies were not good and I was cheated by the agent. Then I invested in Chit fund to save money for my children education. In the process, I lost money many times and felt the need for support for managing my finance. My friend working in Singapore recommended Mr. Melvin 6 months back. I read his articles and realised that he can help me. I called him up and initiated the process. Within 10 days, after exchange of many emails, he finalized the financial plan for me. It is very simple to understand and practical. Now I realised the mistakes I made for the last 5 years with my money. I feel we should get such a support at the start of our job, so that we will not lose our hard earned money. Thanks a lot Melvin.

Vineet SharmaOman

A trusted friend introduced me to Melvin recently as I was looking for a good advisor, to help me work with my current corpus while simultaneously planning for the next 10 to 15 years. Am I glad I met with Melvin. My experience with Melvin has been extremely positive. I find him very thorough and methodical. He has an excellent eye for detail and is very well versed with numerous financial instruments, their pros and cons and their tax implications. He first asked me to give me all the planned expenses for next 15yrs, current cost of living, current assets etc., and made a plan based on my current portfolio and my savings potential. Essentially he is bringing down my mutual funds from about 24 to 6, SIPs from about 18 to about 6. In doing so, he has balanced equity vs debt based on the expense goals and retirement savings and the time horizon. He responds very quickly and precisely - both over email and cellphone. His analysis of my portfolio was thorough and his recommendations (including the life, health and general insurance cover) is consistent with the analysis. I also found him very patient in answering my doubts and questions. Finally, he charges very nominal fee. I myself have been planning and managing my investments for over 10 years and I was still able to learn from him. I'm very impressed and kindheartedly recommend his services to anyone looking for a long term financial advisor.

R. MoudgalyaBangalore

I got referred to Melvin by one of my acquaintances. I found Melvin absolutely matching my requirements as he not only has the ability to make me understand the subtle nuances of investing but also brings in the maturity to hear out and advise my retired parents as well.

Melvin not only brought a simplicity to the portfolio but also ensured that I do not shy away from removing some of the toxic funds and bad investments(ULIPs etc). I would say that I am more than happy with the advice, suggestion and the checks and balances he has helped me along with my family with. I would strongly recommend him to anyone looking for a neutral and unbiased financial planner to help you take charge of your finances.

Dipankar RathBhuvaneswar

I have always received sound and honest advice from Mr. Melvin that has helped me put my all financial goals within reach. It has been a pleasure to deal with him right from assessment to execution of plans.

V,K.Dubai, UAE

This is from Ratna.....who has been getting service without any condition ....after the sudden demise of her husband regarding the SBI LIFE Claim settlement. I didn't have any practical idea of Financial Planning other than traditional ones....I am thankful enough to you , Mr. Melvin and also to my brother to make me enable to join FINVIN specially at this crucial period to revive my family and to ensure my future covering all the vital sides with an easy approach. I, personally being a conservative investor, was allowed to invest taking all the queries into account . I personally will remain THANKFUL to you specially for your Guidance mixed with the feelings and necessity of my family.

RatnaWest Bengal

I got in touch with Melvin, last month, through recommendation from a well known Financial portal. He took all my requirements, very patiently. I asked several questions, some are very skeptic and challenging but Melvin is such a wonderful guy, has replied all my doubts, with patience and care. Within a week, he came up with a superb planner. Now I realize, I should have get in touch with Melvin, much earlier in my career, which should have saved me from making big mistakes. Anyway, never too late. I will Highly recommend Melvin, 1. For his vast knowledge on Financial Planning. 2. He has a pretty good knack, of understanding the pulse of the person. and plans it according to his ability to endure risks. 3. He always gives you a balanced picture on risk and return. 4. Fees is very nominal compare to other SEBI registered planners. 4. Most importantly, he is very nice and polite man to have a friend and guide. This is something very rare in now-a-days. Highly recommended to my friends and everyone. The early you start, the better you will be prepared for future.

Kaushik MukherjeeKolkata