Ongoing portfolio advisory with quarterly reviews, goal tracking, and proactive rebalancing. The natural next step after a financial plan is built.
No spam. No cold calls. A 30-minute introductory call to understand your situation.
Having investments is not the same as having a wealth plan.
Scattered across platforms. MFs, stocks, EPF, NPS, FDs, each managed alone. No easy way to track investments from all platforms at one place.
Advisers are product-driven. Each sells within their set. The combined picture is no one's responsibility.
No systematic review. Allocations drift, goals move. Small gaps compound into significant ones.
Track every dimension of your portfolio, on a continuing basis.
Goal-mapped allocation across equity, debt, and hybrid.
Allocation, goal progress, fund quality, written note.
Proactive when allocation drifts. Tax impact checked first.
LTCG, STCG, and tax-loss harvesting built into decisions.
Progress vs target corpus. Gaps closed through adjustments.
Annual review of life and health cover as life evolves.
Nominations kept current and aligned with the Will.
Fragmented holdings mapped into one coordinated view.
Full refresh each April, reflecting goals and tax rules.
A structured cadence, not a one-time event.
A projection of how your current portfolio value grows over 10, 20, and 30 years at different return assumptions. Use this as a starting point for understanding the difference structured advisory can make.
Indicative estimate only. Adjust your current portfolio value, monthly additions, and expected return to see how wealth compounds over time.
Projection assumes constant annual return and consistent monthly investment. Market returns are variable and actual outcomes will differ. Inflation, taxes, and withdrawal needs are not factored in. This calculator is for illustrative purposes only.
These projections illustrate the power of compounding on a structured, continuously managed portfolio. An adviser will model your specific situation with goal-linked timelines and realistic assumptions.
Book a Free ConsultationNo spam. No cold calls. A 30-minute introductory call to understand your situation.
From scattered holdings to one coordinated relationship.
30-minute call on portfolio, goals, and concerns. No obligation.
Always freeAllocation, overlap, tax, cover, goal mapping. Written within 7 days.
Always freeWhat to consolidate, retain, add. Tax impact assessed. Your agreement first.
Quarterly reviews, rebalancing, annual updates, adviser access.
No spam. No cold calls. A 30-minute introductory call to understand your situation.
Pricing is transparent and discussed in full during the first session, under SEBI Investment Adviser Regulations.
| AUA Slab | Mutual Funds + Direct Equity | PMS / AIF |
|---|---|---|
| Rs 50 Lakhs to Rs 2 Crore | 0.75% per annum | 1.00% per annum |
| Rs 2 Crore to Rs 5 Crore | 0.65% per annum | 0.90% per annum |
| Rs 5 Crore to Rs 10 Crore | 0.60% per annum | 0.80% per annum |
| Above Rs 10 Crore | 0.50% per annum | 0.70% per annum |
For investments in Bonds or NCDs: a one-time fee of 0.50% of the invested transaction value is charged in the year of investment. GST as applicable is additional on all fees. Fee structure complies with SEBI Investment Adviser Regulations.
Financial Planning is included complimentary with every Wealth Management engagement. Clients at any portfolio level receive a complete written financial plan as part of the onboarding, at no additional charge.
No spam. No cold calls. A 30-minute introductory call to understand your situation.
Typical gaps found in a first audit, and what a structured plan resolves.
Mid-40s, Mumbai. Rs 1.2cr across 14 MF schemes, direct equity, EPF, LIC endowment. Two distributors and a bank RM. No unified view.
This is an illustrative scenario only. Actual outcomes depend on individual portfolio composition, market conditions, and applicable tax rules. Past advisory work is not indicative of future outcomes.
Different decisions at 35, 50, and 60.
Goal-mapped allocation, tax efficiency, quarterly reviews as complexity grows.
Equity reduced, SWP designed, insurance and estate finalised.
Withdrawal rate, sequencing, cash buffer, estate kept current.
The structure of the advisory relationship shapes the advice.
Each part of the portfolio serves a specific goal.
Drift restored to target allocation.
Tax is built into every decision point.
Fragmented holdings into one view.
When complexity has outgrown self-management.
Select the profile closest to yours to see what the first step looks like.
Executed, reviewed, and updated as circumstances change.
MFs, equity, EPF, NPS, FDs, insurance. Consolidation into one view.
Rigour their profession demands, without managing it themselves.
Growth to preservation, SWP, healthcare, estate coordination.
One view, one point of accountability.
Independent review. Advisory only, no change of control.
of financial advisory expertise.
Serving investors and families across Mumbai and pan-India since 2007.
Investment Adviser
Reg. No. INA000013518
Regulated advisory across investments, tax, insurance, and estate.
Portfolio, tax, insurance, and estate managed together in a single continuing advisory relationship. Not separate conversations. One coordinated plan reviewed every quarter.
Disclaimer: Finnovate is a SEBI-registered Investment Adviser (Reg. No. INA000013518). Wealth management involves ongoing advice on investment portfolios, which are subject to market risks. Projections and calculator outputs on this page are indicative estimates only and do not constitute investment advice. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. This page is for informational purposes only. Please consult a SEBI-registered investment adviser before making any investment decision.
Wealth management is an ongoing advisory service that combines portfolio management, financial planning, tax efficiency, and estate coordination into a single continuous relationship. Unlike a one-time financial plan, wealth management involves regular reviews, proactive rebalancing, and adjustments as markets, tax laws, and personal circumstances change. The defining feature of a wealth management engagement is continuity.
A financial plan is a one-time engagement that assesses your financial position, defines your goals, and creates a written strategy. Wealth management is what happens after the plan: ongoing portfolio management, quarterly reviews, rebalancing, tax-efficient withdrawal planning, and annual updates as circumstances change. Financial planning gives you the map; wealth management is the ongoing journey. Some clients begin with a financial plan and graduate to wealth management as their portfolio grows.
Finnovate's wealth management engagement is built around a quarterly portfolio review as the core cadence, with an annual full plan update typically at the start of each financial year. Beyond this, the adviser is available for proactive check-ins whenever income changes, family circumstances shift, or a major financial decision is ahead. The relationship is ongoing rather than transactional, and regular communication is built into the service design rather than left as an afterthought.
A quarterly review assesses whether the portfolio remains aligned with its stated goals and risk profile. This includes reviewing actual versus target asset allocation, assessing fund quality, identifying rebalancing opportunities, reviewing capital gains positions and tax-loss harvesting opportunities, and checking progress against each goal's timeline and required corpus. The review also addresses any changes in the client's circumstances that may affect the plan.
Portfolio rebalancing involves restoring a portfolio to its target asset allocation after market movements have caused it to drift. Rebalancing is typically triggered when allocation drifts beyond a defined threshold or during regular reviews. Rebalancing decisions also consider the tax implications of any transactions, particularly the treatment of long-term and short-term capital gains.
Portfolio Management Services (PMS) is a SEBI-regulated product where a portfolio manager takes discretionary control of a client's securities, requiring a minimum investment of Rs 50 lakh. Wealth management advisory as offered by a SEBI-registered Investment Adviser is non-discretionary: the adviser makes recommendations and the client retains full control of their accounts. The client executes transactions based on the adviser's recommendations, without transferring custody or control of assets.
Ongoing wealth management is most relevant for investors with a growing portfolio who want consistent professional oversight, those whose financial lives have become complex through multiple goals and instruments, individuals who have completed a financial plan and want to ensure it continues to be executed correctly, and anyone who has accumulated investments across multiple platforms without a coordinated view. Please consult a SEBI-registered investment adviser for personalised guidance.
Wealth management at Finnovate is priced transparently under SEBI Investment Adviser Regulations. For portfolios under Rs 50 lakhs, the fee starts from Rs 40,000 per year. For portfolios of Rs 50 lakhs and above, fees are AUA-based: 0.75% per annum for mutual funds and direct equity at the Rs 50 lakh to Rs 2 crore slab, reducing to 0.50% for portfolios above Rs 10 crore. For PMS and AIF holdings the fee ranges from 1.00% to 0.70% on the same slabs. Financial Planning is included complimentary at all portfolio levels. The first consultation is free and carries no obligation. All fees comply with SEBI Investment Adviser Regulations (Reg. No. INA000013518).
After the initial consultation, a portfolio review and gap analysis is typically completed within 5 to 7 working days. The first formal advisory report covering portfolio assessment, goal alignment, and recommended changes is delivered within two to three weeks. Quarterly review cycles begin from the engagement start date. Full onboarding from first consultation to active advisory management typically takes three to four weeks, depending on the complexity of the existing portfolio.