Financial planning for Indian households
A written plan for what your money needs to do.
Fee-only financial planning: your facts first, your risk measured, then recommendations in writing. The scope runs from one specific question to a Comprehensive Plan for your household.
The plan is the product
You keep the written work; your money stays in your accounts.
What changes here
You pay the fee.
The recommendations answer to your circumstances.
Samvaya earns from the agreed fee, with no payment from what you buy. The work begins with the facts, the scope you choose and the decisions you need to make.
When the provider pays
Payment comes from the product provider. That can create an incentive to sell the product.
At Samvaya
You pay directly for a defined scope of work. The recommendations and their reasons are yours in writing.
The process
Each step has a purpose and a written result.
A free Discovery Call, then seven steps in order, matched to your service.
Step 0
Discovery Call
30 minutes, free. Receive the Process Map + Fee Schedule before choosing whether to proceed.
Step 1
Onboarding, KYC & Fact-Finding
Formalities completed and your financial facts established before anything is recommended.
Step 2
Risk Profiling
How much loss your finances can absorb, and how much you can live with.
Step 3
Goal Mapping
Every goal given a cost, a date and a monthly funding figure.
Step 4
Portfolio Audit
What you already own, examined in writing before anything new is suggested.
Step 5
Portfolio Blueprint
What to fix first, what to hold and why, set out in writing.
Step 6
Implementation
You act on the plan in your own accounts, with our guidance.
Step 7
Review
The plan revisited through the year, and whenever your circumstances change.
The Comprehensive Plan includes every step. Clarity Consultation and Portfolio Advice include the steps their scope requires. Advice begins only after the Risk Profile Report is signed.
First Things First
Sequence before selection.
An investment choice depends on what the household can afford to put at risk. First Things First establishes the facts and capacity, then orders the recommendations around the household’s financial needs.
Know the numbers
Establish income, spending, assets and liabilities.
Know the capacity
Measure what your finances can absorb.
Fix the income
Structure cash flow and address high-cost debt.
Cover the catastrophe
Size Term Cover and Health Cover.
Park the short money
Separate the Emergency Fund and near-term spending.
Allocate the long money
Set the mix within your risk capacity.
Fund the goals
Give each goal its funding plan.
Review and defend
Revisit the facts and agreed decision rules.
The full method underpins the Comprehensive Plan. Each service applies the parts within its scope.
Risk, separated
What you can absorb. What you can live with.
Capacity
The loss your financial circumstances can absorb.
Assessed from when you may need the money, income stability, dependants, your emergency buffer and remaining earning years.
Sets the allocation ceiling
Tolerance
Your comfort with losses and uncertainty.
Assessed through scenarios and your experience of market falls. Each household decision-maker answers separately.
Shapes the guardrails and pace
Willingness to take risk does not increase the household’s capacity to bear it.
What you keep
The work stays with you.
The Comprehensive Plan provides ten types of written output across the full journey. Each is versioned and yours to keep, whether or not you renew.
Documents follow your service. Clarity Consultation concludes with a Clarity Note. Portfolio Advice concludes with a Portfolio Blueprint containing an Allocation Map and an Action Plan.
0
Process Map + Fee Schedule
The process and the fee, before you decide.
1
Financial Health Check
Three Foundations and five vitals, assessed plainly.
2
Risk Profile Report
Capacity and tolerance, explained and signed.
3
Goal Map
Each goal with a cost, a date and a monthly funding figure.
4
Portfolio Audit Report
Findings on your existing holdings, within the available evidence.
5
Portfolio Blueprint
Recommendations, their reasons and your Action Plan.
6
Implementation Checklist
What has been completed and what remains open.
7
Quarterly Check-in · Annual Review Report · Event Review
Written updates through the year and when circumstances change.
A considered beginning
Start with a conversation
about what you need.
The free 30-minute Discovery Call covers your question, the process and the fee. You receive the Process Map + Fee Schedule and decide whether to proceed. No advice is given on the call.