Financial Advisor in Pune
Finnovate Financial Services Pvt. Ltd. is a SEBI-registered Investment Adviser (RIA No. INA000013518) for individuals and families in Pune.
Our office is in Shivajinagar, with in-person meetings by appointment and online consultations across the city. We help clients with financial planning, investments, retirement, tax decisions, insurance reviews, and estate planning.
Serving Shivajinagar, Aundh, Baner, Kharadi, Hinjewadi, Magarpatta, and across Pune.
Office & Meeting Options
Finnovate - Pune102, Fortune Plaza,
Thube Park, behind Sancheti Hospital
Shivajinagar, Pune 411005
What we do in Pune
We help Pune professionals and families bring disconnected financial decisions into one documented plan. The engagement begins with your income, expenses, assets, liabilities, insurance, existing investments, and future goals. Recommendations are then prioritised based on what requires immediate action and what can be addressed over time.
Investment recommendations are based on your goals, time horizon, liquidity needs, existing portfolio, and risk profile. Where a separately regulated investment product or service is considered, its role, charges, and risks are explained before any decision is made.
Depending on the engagement, ongoing reviews may be scheduled to account for changes in income, family responsibilities, taxation, markets, and major decisions such as purchasing a home, changing careers, or approaching retirement.
Who Finnovate helps in Pune
IT & Tech Professionals
ESOP and RSU tax planning, old vs. new tax regime decisions, SIP discipline during market corrections, and home-buying decisions across Hinjewadi, Kharadi, Baner, and Magarpatta.
Doctors & Medical Professionals
Separating clinic, personal, and retirement finances, managing irregular professional income, planning around a later earning start, and building a corpus without an employer safety net.
Business Owners & Entrepreneurs
Separating business and personal finances, building a retirement corpus without an employer EPF, succession planning, and estate planning for Pune's SME and startup founders.
Senior Professionals & First-Generation Wealth Builders
Whether you are nearing retirement or the first in your family to build serious wealth, we help you get the foundations right: investments, insurance, tax planning, and a clear long-term plan.
What your financial plan may include
Exact deliverables depend on the engagement. A typical plan can include:
- Review of income, expenses, assets, liabilities, and insurance
- Goal and retirement projections
- Investment allocation and implementation roadmap
- Tax-related planning considerations
- Insurance-gap review
- Estate-planning action list
- Written recommendations
- Agreed review schedule
What we advise on View all →
Goals, cash flows, and a clear plan for your family.
Smarter tax on investments, capital gains, and income.
Portfolio advisory for growing and protecting wealth.
Build the corpus. Plan the withdrawal. Retire on your terms.
Wills, nominations, and succession for your family.
Common financial decisions Pune clients bring to us
The questions we are most often asked to help answer.
| Situation | Typical planning question |
|---|---|
| ESOPs and RSUs | How much company-stock exposure is reasonable? |
| Buying a Pune home | How much down payment is safe without affecting other goals? |
| Old versus new regime | Which regime works based on actual salary and deductions? |
| Career transition | What changes when moving from employment to consulting or business? |
| Medical practice income | How should clinic, personal, and retirement finances be separated? |
| Business succession | How should family wealth and business ownership pass to the next generation? |
How the process works
1. Understand
A short call to map your goals and current setup.
2. Plan
We design a simple, documented plan and investment route.
3. Review
Regular reviews to keep you on track and make clear decisions.
Our Pune team
Finnovate has an on-ground team in Pune, led by Sagar Maheshwari, working alongside our SEBI-registered planning and research desk.
As a Certified Financial Planner with over 8 years of experience in financial planning, Sagar leads Finnovate's Pune team, working with individuals and families across the city on goal-based plans, investments, tax and retirement decisions. Every plan is delivered under Finnovate Financial Services Pvt. Ltd. (SEBI RIA No. INA000013518).
Why clients choose Finnovate
Finnovate is a SEBI-registered Investment Adviser (RIA No. INA000013518), not a commission-based mutual fund distributor. Every recommendation is made in your interest.
Hear from Pune clients
Real conversations with Pune professionals about their financial journey with Finnovate.
"It's never too late to become financially fit."
"Let the experts handle your money and focus on your profession. That's what we did and it worked."
"In 25 years, I hadn't trusted any investment advisor. Then I met Finnovate."
Fees & engagement model
The first consultation is free. Advisory fees depend on the scope of work, such as one-time financial planning, ongoing investment advice, or a wider family engagement. The applicable fee, deliverables, and review schedule are shared and agreed before you sign the agreement.
As a SEBI-registered Investment Adviser (RIA No. INA000013518), Finnovate is fee-only and earns no commissions from any financial product, so every recommendation is made in your interest.
View current advisory pricing →FAQs
1. Do I need to visit an office?
Not always. Many clients prefer virtual meetings. If a local meeting spot is available, we’ll confirm it during the call.
2. How long is the first call?
Usually around 20 minutes. We understand your goals and current setup, and outline next steps.
3. How do fees work?
The first consultation is free. Advisory fees depend on the scope of work, such as one-time financial planning, ongoing investment advice, or a wider family engagement. The applicable fee, deliverables, and review schedule are shared and agreed before you sign the agreement. View our current advisory pricing.
4. Should I choose the old or new tax regime as an IT professional in Pune?
From FY 2026-27, Pune qualifies as a metro city, raising the HRA exemption to 50% of basic salary. The old regime suits employees with high HRA, home loan interest, and 80C investments; the new regime suits those with fewer deductions. Declare your choice by July 31 or the new regime applies by default. A SEBI-registered advisor can model both against your actual salary data.
5. How does ESOP and RSU taxation work for Pune’s IT and startup employees?
ESOPs and RSUs are taxed at two points: at exercise, the fair-market-value gain is taxed as a perquisite (non-cash employment benefit counted as salary income) at your slab (up to 42.7% for senior employees); at sale, capital gains tax applies. Employees of DPIIT-recognised startups can defer the exercise tax under Sec 192(1C), though fewer than 5.8% use this (Patron Accounting / DPIIT data, 2025). Timing both events around a planned strategy can cut your total tax bill meaningfully.
6. How do I verify that a financial advisor in Pune is SEBI-registered?
Search the SEBI intermediaries list at sebi.gov.in under Investment Advisers. A registered RIA must follow a fiduciary standard and cannot earn commissions on products they recommend. Finnovate’s SEBI RIA number is INA000013518, registered since June 2019. Unregistered advisors have no legal obligation to act in your interest. SEBI registration is only the first check. Use this step-by-step guide to choosing a financial advisor in India to also compare fees, experience, conflicts, deliverables and complaint processes.
7. Is a financial advisor worth hiring in Pune if I earn ₹10–15 LPA?
Yes, often more so than at higher income levels. At ₹10–15 LPA in Pune, early decisions on tax regime, insurance, SIPs, and rent vs. buy compound over decades and are costly to undo. A SEBI-registered fee-only advisor charges a flat fee or an AUM-based fee (a percentage of your portfolio value charged annually) with no commissions, and the advice typically pays for itself through tax savings in year one.
Have questions before you decide?
We've answered the most common questions about how Finnovate works, our process, fees, and what to expect when you engage with us.
View Frequently Asked Questions →Explore our other locations
Helpful tools
FIRE Calculator · SIP Calculator · SWP Calculator · Retirement Calculator · Contact
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