Finnovate earns only from advisory fees paid by the client. Five services, one firm, one free first call.
No spam. No cold calls. A 30-minute call to understand your situation.
The difference is not about intent. It is about who the adviser's income depends on.
Your adviser earns when you buy. Distributors get trail commission from the AMC for every scheme recommended. Incentive follows commission, not suitability.
Bank RMs work within a product mandate. Advice is bounded by what the bank sells. Cross-asset review across institutions is structurally impossible.
A SEBI-registered Adviser cannot earn commissions. The adviser charges the client directly. Legal obligation is to act in the client's interest. Reg. No. INA000013518.
Each service is available independently or as part of a coordinated engagement.
Goal-mapped investment and savings strategy. One written plan connecting every goal to a timeline, corpus, and allocation.
Corpus calculation, accumulation strategy, and SWP income structuring. From the number you need to the plan that reaches it.
Ongoing portfolio advisory with quarterly reviews, rebalancing, and tax coordination. The continuing relationship after a financial plan is built.
Year-round tax strategy for investors: capital gains management, regime selection, ITR filing, and business income structuring.
| Tax Returns Review | Rs 10,000 + GST |
| Business Restructuring | Rs 30,000 + GST |
| Entity Structuring | Rs 50,000 + GST |
| ITR Filing (Resident) | Rs 10,000 + GST |
| ITR Filing (NRI) | Rs 50,000 + GST |
| Accounting Services | Rs 25,000/mo + GST |
Will guidance, nomination audit, trust assessment, and digital asset succession. Ensuring assets reach the right people through the right structure.
Investment Adviser · Reg. No. INA000013518. A SEBI-registered adviser is legally required to act in the client's interest and cannot receive commissions from any financial product.
No trail commission from any AMC, insurer, or product issuer. No referral fees. No distribution income. Finnovate charges the client. That is the full model.
18 years of goal-based financial planning and portfolio advisory. 3,500+ families. Rs 1,200+ Cr under advisory. Pan-India.
Finnovate is a SEBI-registered Investment Adviser (Reg. No. INA000013518). Advisory involves projections and assumptions. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. This page is for informational purposes only.
Each service addresses a different financial gap. Most clients begin with one and expand over time.
The first two steps are the same for every service, every client. Always free.
Your situation, goals, and current position. 30 minutes. No forms.
Always freeA position review, portfolio audit, or gap analysis. Delivered in writing.
Always freeScope and fee confirmed in writing before work begins. Timelines defined.
Reviews, updates, and coordination as your financial life evolves.
No spam. No cold calls. A 30-minute introductory call to understand your situation.
Starting fees for all five services. First consultation is free for every service.
| Service | Engagement Type | Starting From |
|---|---|---|
| Financial Planning | One-time | Rs 30,000 + GST 18% |
| Retirement Planning | One-time | Rs 50,000 + GST |
| Estate Planning | One-time, per individual | Rs 35,000 + GST 18% |
| Wealth Management | Annual / AUA-based | Rs 40,000/year onwards |
| Tax Services | Varies by service | Rs 10,000 + GST 18% |
No spam. No cold calls. A 30-minute introductory call to understand your situation.
A SEBI-registered Investment Adviser (RIA) is an individual or firm registered with SEBI under the Investment Advisers Regulations, 2013 to provide investment advice for a fee. An RIA is legally required to act as a fiduciary and cannot earn commissions from financial products. Registration requires meeting qualification, net worth, and compliance standards set by SEBI. As of 2025, fewer than 1,000 individuals and entities hold active RIA registration in India.
A SEBI-registered Investment Adviser charges the client directly and cannot earn commissions from product sales. A mutual fund distributor earns trail commission from the AMC for every scheme recommended and does not charge the client directly. The regulatory obligations, incentive structures, and legal duties of these two roles are fundamentally different. An RIA is legally required to act in the client's interest. A distributor is not held to the same standard.
It means Finnovate earns revenue only from advisory fees charged to the client. No trail commission from AMCs, no referral fees from insurance companies, no distribution income from any product issuer. Every recommendation is made without a financial incentive to recommend one product over another. This is the structural basis of fee-only advice.
Most clients begin with Financial Planning, which creates the foundational map of goals, corpus targets, investment strategy, tax position, and insurance adequacy. Clients who have an existing portfolio and want it managed on an ongoing basis typically move directly to Wealth Management. Clients with a specific near-term need, such as an ITR filing, an estate document review, or a retirement corpus calculation, can engage any service independently. The free first consultation helps establish the right starting point.
Not necessarily. Finnovate's Wealth Management engagement includes a written financial plan as part of the onboarding at no additional charge. Clients who come with an existing portfolio and no formal plan receive the plan during the audit phase of the wealth management engagement.
Bank wealth management is typically delivered by relationship managers who work within the bank's product set and earn on distribution. The advice is bounded by what the bank sells. Finnovate is a SEBI-registered Investment Adviser that does not earn product commissions. There is no product mandate, no distribution incentive, and no ceiling on which instruments or platforms can be recommended.
Yes. The first consultation and the written assessment that follows it are both free and carry no obligation. No fee is charged and no engagement is formalised until the scope and fee have been agreed in writing at Step 03. There is no minimum portfolio size for the first consultation.
Yes. Each of the five services is available as a standalone engagement. Financial planning, retirement planning, estate planning, tax services, and wealth management can each be engaged independently. Many clients begin with one service and add others as their financial complexity grows.
Yes. Finnovate is based in Mumbai and serves clients pan-India. All advisory services are available to clients across India. Initial consultations and ongoing advisory sessions are conducted remotely where required.
Yes. Finnovate serves resident and non-resident Indian clients. All advisory services are available to NRIs, subject to SEBI, FEMA, and applicable tax regulations. ITR Filing for Non-Resident Indians is offered as a dedicated service under Tax Services.
Sessions are conducted online via video call (scheduled through Calendly) or in-person at the Mumbai office where feasible. Ongoing communication happens via email or WhatsApp. Pan-India clients receive the same advisory delivery as Mumbai-based clients.
No portfolio minimum is required to engage with Finnovate. Financial Planning, Retirement Planning, Estate Planning, and Tax Services have no threshold. Wealth Management starts at Rs 40,000 per year for portfolios under Rs 50 lakhs and is AUA-based above that. The first consultation is free regardless of portfolio size.
The first consultation is a 30-minute call. The written assessment that follows in Step 02 is typically delivered within 5 to 7 working days of receiving complete data from the client. Full engagement timelines depend on the service and are confirmed in writing at Step 03 before any work begins.
Investment returns are market-linked and not guaranteed. A SEBI-registered Investment Adviser focuses on discipline, asset allocation, cost efficiency, and risk control through market cycles rather than on return commitments. Any numbers included in a plan are illustrative assumptions, stated explicitly, and are not projections of actual future outcomes.
The first consultation is free for all services. Starting fees are: Financial Planning from Rs 30,000 plus GST 18% (one-time); Retirement Planning from Rs 50,000 plus GST (one-time); Estate Planning from Rs 35,000 plus GST 18% per individual (one-time); Wealth Management from Rs 40,000 per year for portfolios under Rs 50 lakhs, AUA-based above that; Tax Services from Rs 10,000 plus GST 18% depending on the service. All fees are discussed transparently before any engagement begins. Finnovate is a SEBI-registered Investment Adviser (Reg. No. INA000013518) and earns zero commissions from any financial product.