Finnovate brings your goals, investments, insurance, loans, taxes and estate decisions into one coordinated financial plan, so one financial decision does not quietly work against another.
No pressure to book anything, just an honest look at how the advisory relationship actually works.
It's called FinnFit.
Our goal-driven FinnFit framework starts with your goals and reviews everything you own, owe and insure against them, as one plan, not product by product.
Many people who speak to us already have SIPs, stocks, EPF or NPS, insurance, property and a home loan. The gap is often not access to investments. It is knowing whether everything is working towards the same financial life.
Financial planning becomes useful when the relationships between decisions are visible. Explore the map to see why.
Goals determine when money may be needed, how much may be required and how much investment risk can reasonably be taken along the way.
Different financial-service models can suit different needs. What matters is understanding the relationship, how the adviser is compensated and whether that creates a financial interest in the products recommended.
In distribution-led models, compensation can be embedded in or linked to the financial products being distributed.
Finnovate Financial Services Pvt Ltd is a SEBI-registered Investment Adviser. Advisory fees are paid directly by the client, and Finnovate does not receive product commissions from manufacturers for advisory services.
Years of financial decisions cannot be reduced to a fresh list of products. The starting point is to understand what you already own, why you own it and what job it needs to perform.
It already has a suitable role in the plan.
Keep the holding, but direct future money differently.
Several holdings may be doing essentially the same job.
The overall allocation may need to move closer to the plan.
Only where justified after considering tax, liquidity and costs.
The investment is the output of a planning decision, not the starting point.
Define the goal and how important it is relative to everything else.
Time changes the amount of risk that may be reasonable.
Map existing assets, liabilities and financial commitments.
Required investment has to work with the reality of your income and expenses.
Insurance, debt, concentration and emergency reserves affect the plan.
A technically good change may still be inefficient after tax or exit costs.
Bring goals, time horizon and risk profile into one allocation decision.
Products are chosen only after the role they need to perform is clear.
Choosing an adviser is not only about investment knowledge. You should understand the scope, fees, process, data requirements and what happens after the plan is created.
It depends on the engagement. Financial Planning connects your goals, existing wealth, cash flow, liabilities, protection needs and investment strategy into a written plan. Wealth Management adds an ongoing advisory relationship around the portfolio and periodic reviews.
Explore advisory servicesFinnovate Financial Services Pvt Ltd operates as a SEBI-registered Investment Adviser for its advisory services. You pay the advisory fee directly. The advisory model does not earn product commissions from manufacturers for the recommendations made within that relationship.
Understand RIA vs distributorFinnovate publishes its advisory pricing and explains the applicable scope before an engagement begins. The exact fee depends on the service and, where relevant, the size or complexity of the engagement.
View pricingNo. Existing holdings are first understood in the context of your goals and overall financial structure. A holding may be retained, redirected, consolidated, rebalanced or changed only where there is a reason to do so.
See how portfolio review worksFinancial Planning is a defined planning engagement. If you want an ongoing relationship covering portfolio monitoring, recommendations, reviews and rebalancing, Wealth Management is the relevant continuing service.
Explore Wealth ManagementPersonalised planning cannot be built from investment values alone. Relevant information about goals, income, expenses, liabilities, insurance and existing assets is needed to understand the complete position. Information handling is governed by Finnovate's privacy and regulatory obligations.
Read the Privacy PolicyA financial relationship can last for years. The important claims should be easy for you to check before you decide.
A coordinated plan may touch financial planning, investments, taxation, protection, estate decisions and implementation. The value is not simply having more specialists. It is having those decisions considered together.
Goals, cash flow, liabilities, retirement requirements and the overall financial roadmap.
Asset allocation, portfolio structure and investment evaluation within the agreed advisory scope.
Tax consequences that can materially change how financial decisions should be approached.
Health and life-risk considerations that can affect whether the financial plan survives an unexpected event.
Will, nominations and succession considerations so accumulated wealth can eventually move as intended.
Systems, servicing and visibility that support the advisory relationship beyond the recommendation itself.
Named client experiences and video testimonials are available on our client stories page.
Personalised financial planning needs context. The information required depends on the engagement and is used to understand the financial position relevant to the service. Finnovate's Privacy Policy explains how information is collected, used, shared and protected.
The first conversation is about what you are trying to solve, not collecting every financial document you own.
Relevant details are required when personalised analysis needs to be built around your goals and financial position.
Privacy, disclosure and information-handling terms are available for you to review before relying on the service.
That is useful to know before you spend time on a call.
Tell us what you are trying to solve. The first conversation is to understand your current position, what kind of help may be relevant and whether it makes sense to take the conversation further.