Panyamaarga Advisory

Advisory Services

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

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

* Fee valid for advice up to ₹4 Cr of total net worth under advice

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

Our Advisory Offerings & Pricing

1

Full Financial Planning

Comprehensive plan covering your entire financial life.

₹ 24,000/-

What's Included

  • Financial Goals & Roadmap
  • Cash Flow & Budgeting
  • Net Worth & Asset Allocation
  • Portfolio Strategy & Optimization
  • Risk Protection Review
  • Retirement & Financial Independence

Includes tax-efficient investment recommendations where applicable.

2

Goal Planning

Focused plan to help you achieve a specific goal.

₹ 12,000/-

What's Included

  • Goal Definition & Prioritization
  • Required Corpus Estimation
  • Investment Strategy
  • Goal-specific Recommendations
3

Second Opinion / Review

Objective review of your existing financial plan or portfolio.

₹ 8,000/-

What's Included

  • Existing Plan Review
  • Portfolio Assessment
  • Gap Analysis
  • Independent Recommendations

Investor Education Sessions: Complimentary interactive sessions to help you build financial knowledge and make informed decisions.

Your Advisory Partnership

Engagement FeatureFull Financial PlanningGoal PlanningSecond Opinion / Review
Engagement Duration1 Year1 Year6 Months
Review Meetings (Video Call)2 Half-yearly1 Half-yearly1 End-of-engagement
Investor Education Sessions (60–90 min)2 Sessions1 Session
Advisor Access (WhatsApp & Email)UnlimitedIncludedIncluded
Significant Life Event ReviewIncludedAvailable via Full Planning UpgradeAvailable via Full Planning Upgrade

Examples of significant life events: marriage, birth of child, job change/loss, promotion, starting a business, inheritance, buying a home, relocation, retirement, health events, etc.

Note: Each scheduled review includes preparation, portfolio analysis and a 60-minute video consultation.

Ready to Get Started?

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

Book a Free Call