Panyamaarga Advisory

Advisory Services

Everything you need for a comprehensive and clear financial plan — delivered by a SEBI registered, fee-only adviser.

Year 1 Engagement: ₹24,000  |  Annual Renewal (Year 2+): ₹12,000

All services included · No commissions · No hidden charges

Personalised Goal-Based Financial Planning

We map your life goals — buying a home, funding children's education, retiring early, or building a legacy — into a concrete, actionable financial plan with realistic timelines and investment strategies.

  • Comprehensive financial goal identification
  • Net worth assessment and cash flow analysis
  • Prioritised goal roadmap
  • Dedicated strategy document

Asset Allocation Strategy

Strategic allocation across equity, mutual funds, ETFs, debt instruments, and NPS — calibrated to your risk profile, time horizon, and tax situation.

  • Multi-asset class allocation framework
  • Equity, debt, and alternative instruments
  • NPS and EPF integration
  • Tax-efficient structuring guidance

Portfolio Review & Restructuring

A thorough audit of your existing investments to identify overlaps, inefficiencies, and misalignments with your goals — followed by clear restructuring recommendations.

  • Full existing portfolio audit
  • Overlap and redundancy analysis
  • Performance vs benchmark review
  • Restructuring recommendations

Retirement Planning Strategy

A holistic retirement plan that accounts for inflation, healthcare costs, lifestyle expectations, and longevity — so you can retire with confidence.

  • Retirement corpus calculation
  • Inflation-adjusted projections
  • Drawdown strategy planning
  • Social security and pension integration

Risk Profiling & Suitability Assessment

A structured risk assessment to understand your true risk tolerance and ensure every recommendation is suitable for your specific financial situation.

  • Psychometric risk questionnaire
  • Financial capacity assessment
  • Documented suitability report
  • Regular re-assessment on life changes

Investor Education

Workshops, webinars, and structured learning programs to help you understand markets, investment instruments, and financial concepts — so you make informed decisions confidently.

  • Personal finance workshops
  • Investor awareness webinars
  • Curated reading resources
  • Q&A and community discussions

Ready to Get Started?

Book a free discovery call to discuss your goals and find out how we can help.

Book a Free Call