CFP® professional · Kolkata
Money is a tool for time and peace. Not the point of your life.
I work with families who want their money organised, understood, and quietly working in the background, so they can get on with living.
Most people who come to me do not need another product. They need someone to sit with them, understand why the money matters, and then build something simple enough to actually follow for twenty years. That is the whole job.
My job is to translate, not to sell you something.
These are the areas most of the work falls into. None of them are exciting, and that is rather the point.
Financial planning
We start with your why, not with a scheme. Goals, timelines, what you are actually worried about, and how much is enough for you. The plan comes after that conversation, not before it.
Portfolio construction and review
Mutual funds, PMS, stocks, ETFs and global equity, built around your allocation rather than around last year's best performer. Reviewed with you every year, in plain language.
Protection and risk
Term cover, health cover, and the emergency fund that sits underneath everything else. Unglamorous work, and the part most portfolios are missing when I first see them.
Family and business wealth
Structuring across family members, HUFs and business entities, so the whole balance sheet makes sense together instead of as a set of unconnected folios.
Reviewing what you already hold
Old policies, inherited portfolios, products bought in a hurry. We work out what is worth keeping, what is worth exiting, and what the exit actually costs before you decide.
Trainings and talks
Financial literacy sessions for companies, institutions and community groups. Education rather than sales, with no products and nothing to sign up for at the end.
What I believe
Discipline, not prediction.
Nobody in this industry knows what the market does next, including me. What we can control is how consistently you invest, how your money is split across asset classes, and how little you interfere. Almost all of the outcome lives there.
A portfolio that is perfect on a spreadsheet and keeps you awake is a bad portfolio. Your temperament is a real constraint, and I plan around it rather than argue with it.
Discipline is boring right up to the point where it is the only thing that worked.
The book
Live Rich Die Rich
A practical philosophy to live abundantly and leave intentionally.
Written after years of conversations with families who had done everything right on paper and still felt uneasy about money. Four parts, seventeen chapters, a worksheet at the end of each one. No scheme names, and no returns projected anywhere.
In an industry often driven by performance metrics, Aakarsh Dalmia brings us back to the core idea that money, at its best, is a tool for peace, not pressure. Nilesh Shah, Managing Director, Kotak Mahindra Asset Management Co., from the foreword
The letter
Money. Life. Wealth.
A letter every two weeks. One idea about money and the life it is meant to support, written plainly and short enough to finish.
No market calls, no scheme recommendations, no urgency, nothing to buy. It is the low-commitment way to work out whether you like how I think.
Start with a conversation.
Half an hour, no obligation, no product. We talk about where you are, what you are trying to build, and whether I am the right person to help. If I am not, I will say so and point you somewhere better.