Frequently Asked Questions
Find answers to common questions regarding our advisory services, fees, and regulatory framework
Regulatory & Compliance
What is a SEBI Registered Investment Advisor (RIA)?
A SEBI Registered Investment Advisor (RIA) is a firm or individual who provides investment advice and/or financial planning services for clients and is registered with SEBI.
What documents will I need to provide?
Depending on the scope of engagement, we may require:
- KYC details
- Financial information (income, assets, liabilities)
- Existing portfolio statements
- Risk profiling documentation
All information is treated confidentially as per the contract
Is my money or investment held by your firm?
No. As a SEBI Registered Investment Advisor, we are not permitted to hold client funds or securities.
Investments are executed directly in your name through authorized platforms. Our role is advisory, and we receive only the agreed fee for our services.
Advisory Approach
How do I choose an investment advisor?
When selecting an advisor, consider factors such as SEBI registration status, fee structure, conflict-of-interest disclosures, experience, and client service approach.
For additional guidance, you may refer to the Association of Registered Investment Advisers (ARIA) website:
https://aria.org.in/investors
Do you offer guaranteed returns?
No. All investments are market-linked and subject to risk. We do not provide assured or guaranteed returns.
Products
What products do you advice on?
- Mutual Funds
- International ETFs
- Portfolio Management Services (PMS)
- Alternative Investment Funds (AIFs)
- NPS and other government products
What products do you not advise on?
We do not provide advice on:
- Individual stocks
- Unlisted securities
- Commodities such as silver and similar instruments
Exposure to gold may be considered as part of a broader asset allocation strategy through appropriate investment vehicles.
These areas are generally better handled by specialized professionals or fund managers where appropriate.
Do you provide tax or estate planning advice?
We provide guidance on tax-efficient investing and basic estate planning considerations as part of the overall financial planning process. However, for tax filing, legal structuring, or estate documentation, we recommend consulting qualified tax professionals or legal advisors. We also encourage clients to review and validate any tax or legal matters with their respective advisors.
Execution & Control
Do you provide execution support?
Yes, we provide execution support through MF Utilities (MFU). There are no additional charges for this service.
Execution support is entirely optional, and clients may choose to execute transactions independently if they prefer.
Where can I execute the transactions if I choose to do it myself?
You may transact through:
- MF Central (Recommended as at one place you can transact of all MF investment (non-demat))
- Respective AMC (Mutual Fund) websites
- RTA portals such as CAMS and KFintech
- Any other platform of your choice
If I use your execution support, do I lose control?
No. You retain full ownership and control of your investments at all times. Transactions are executed only after your explicit authorization (e.g., OTP approval). Our execution support is optional, and you remain free to transact directly through authorized platforms at any time.
Are investments made in Direct mode?
Yes. All investments are recommended in Direct Plans.
Fees
How are you compensated?
- We operate on a fee-only model, which means we do not earn commissions / incentives from financial products. Clients pay us advisory fees directly for the services provided.
- This structure helps ensure that advice remains aligned with client interests.
What are your fees?
Our fee structure is disclosed in detail under the “Services” section of our website. Fees depend on the scope of engagement and the chosen service model.
Is there a minimum investment amount required?
We have not prescribed a minimum investment threshold. Our services are available to investors seeking structured, fee-based advisory support.
Can I discontinue your services?
Yes. You may discontinue advisory services by informing us in writing. Since investments remain in your name and in Direct mode, you retain full control. Fees will not be charged prospectively after termination. We remain committed to ensuring a smooth transition.
Payments
How are advisory fees paid?
Fees can be paid through:
- Centralised Fee Collection Mechanism (CeFCoM) provided by BSE. You could opt for e-mandate facility or pay through a payment link
- SEBI introduced Unified Payment Interface (UPI) mechanism or Regular UPI
- Direct bank transfer
We do not accept cash payments.