Our Advisory Process

How We Work
With Your Family

A structured, relationship-driven process designed for families who want more than investment products — and deserve more than a relationship manager with sales targets.

100% Fee-Based
Zero Commissions
CA-Led Advisory
Conflict-Free
LLPIN: AAL-9211
Our fee model is simple and transparent
You pay us. We work for you. Nobody else pays us anything.
No commissions from products
No trail fees from AMCs
No referral payments
Annual advisory retainer only

Six stages. One coherent plan.

Our advisory process is designed to give your family complete clarity — on your financial position, your goals, and exactly how we will help you achieve them. Here is what working with us looks like.

01
WEEK 1–2
Discovery & Family Financial Mapping
We begin with an in-depth discovery session — understanding your family's complete financial picture, goals, concerns, and aspirations. No forms, no pitch decks. Just an honest conversation.
Complete asset inventory across all classes
Current advisory relationships audit
Family goals and risk appetite discussion
Succession and estate planning status review
Tax structure and compliance review
Duration: 2–3 sessions · Confidential · No obligation
02
WEEK 3–4
Portfolio & Opportunity Review
We conduct a comprehensive review of your existing portfolio — identifying hidden costs, conflicts, gaps, and opportunities that your current advisors may not be surfacing.
Commission audit across all existing products
Asset allocation analysis vs stated goals
Risk-return assessment
Tax efficiency analysis
Identification of underperforming or misaligned holdings
Deliverable: Written Portfolio Review Report
03
MONTH 2
Family Wealth Structuring
We design the optimal legal and financial structure for your family's wealth — covering ownership, tax efficiency, succession, and protection from future risks.
Investment Policy Statement (IPS) drafting
Trust structure recommendations (where applicable)
HUF and family entity optimisation
Will and succession planning framework
Insurance adequacy review
Deliverable: Family Wealth Structure Blueprint
04
MONTH 2–3
Implementation
We execute the agreed plan — transitioning your portfolio, setting up structures, and coordinating with legal and tax professionals where needed. All execution is under your control.
Portfolio rebalancing and transition management
Direct equity and alternative investment onboarding
Trust deed drafting and registration coordination
Tax filings and compliance setup
Centralised reporting dashboard setup
Timeline: 4–8 weeks depending on complexity
05
ONGOING · QUARTERLY
Monitoring & Ongoing Advisory
Once your family's wealth is properly structured, we provide continuous monitoring, quarterly reviews, and proactive advice on changing tax laws, market conditions, and family circumstances.
Quarterly portfolio review calls
Annual comprehensive financial review
Tax planning throughout the year
Ad hoc advisory on major financial decisions
Real-time consolidated portfolio reporting
Always available · One relationship manager · Dedicated CA advisor
06
ONGOING · ANNUALLY
Family Governance & Next Generation
For families with multiple members and generational wealth, we facilitate family governance structures that prevent disputes and prepare the next generation to receive wealth responsibly.
Family council facilitation
Family constitution drafting and review
Next-generation financial education sessions
Succession plan review and updates
Inter-generational wealth transfer planning
Available to families with 2+ generations involved

What you will never pay for — and what that means for you

India's wealth management industry earns primarily from commissions — not from giving you the best advice. We have deliberately structured ourselves to operate differently.

When your advisor earns nothing from products, their only incentive is your family's success.

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Mutual Fund Trail CommissionsMost wealth managers earn 0.5–1% annually from your mutual fund holdings — every year, forever. We earn zero.
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Insurance CommissionsLife and health insurance products carry 15–40% first-year commissions. We earn nothing from recommending insurance.
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PMS & AIF Distribution FeesDistributors earn placement fees for putting you into PMS and AIF products. We earn nothing from these recommendations.
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Referral or Finder's FeesWe do not accept referral payments from any third party — lawyers, accountants, or product providers.
CA Ujjwal Sainani
CA · ICAI 10+ Years Fee-Only
"Most Indian families have several advisors, none of whom have a complete picture of the family's finances. Our job is to be the one advisor who does — and who earns nothing from the advice we give except your trust."
CA Ujjwal Sainani
Founding & Managing Partner · NextGen Family Office Services LLP

Ready to begin?

The first conversation is always complimentary — no obligation, no product pitch. Just an honest discussion about your family's financial situation and whether we are the right fit.

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