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SEBI Registration Pending · Boutique Wealth Advisory

Preserving Wealth.
Building Legacies.

Insight. Strategy. Succession. You've built your wealth — let our institutional-grade discipline ensure it endures for generations.

Schedule Free ConsultationOur Services
27+
Years Combined Experience
₹50 Cr+
Assets Advised
Motilal Oswal
Institutional Platform

The Problem We Solve

What Keeps Serious Investors Up at Night?

Every major wealth erosion begins with one of four unaddressed threats.

📈

Market Volatility

A single downturn can destroy years of disciplined compounding. Without structural protection, capital is perpetually at risk.

📉

Inflation Erosion

Real purchasing power diminishes quietly over time. Without a structured response, portfolios silently lose ground.

🏛️

Tax Complexity

As wealth scales, so does the intricacy of tax obligations. Poorly structured portfolios invite unnecessary leakage.

⚖️

Misaligned Advisory

Most advice is product-driven. Truly conflict-free, outcome-driven counsel remains extraordinarily rare.

Core & Satellite Approach

Stability first. Growth capture second. The founding principle of every portfolio we build.

  • 70% Core Portfolio — Long-term compounders, blue-chip stability, and wealth preservation anchors. Built to endure economic cycles with minimal drawdown.
  • 30% Satellite Portfolio — Tactical, high-conviction opportunities designed to generate alpha and capture emerging sectoral themes.
70 / 30Allocation

Core (70%)  ■ Satellite (30%)

What We Offer

Institutional-Grade Services

Every service is designed to protect, grow, and transfer wealth with precision.

🛡️

Portfolio Advisory

  • Personalised asset allocation strategy
  • Core & Satellite portfolio construction
  • Quarterly rebalancing & review
  • Benchmark vs. performance attribution
📊

Equity Research & PMS

  • Fundamental & quantitative analysis
  • Direct equity stock selection
  • High-conviction concentrated portfolios
  • Portfolio Management Services (PMS)
🏦

Mutual Fund & SIP Planning

  • Goal-based MF selection
  • SIP structuring & optimisation
  • ELSS & tax-saving fund planning
  • Debt vs. equity fund strategy
📅

Financial & Retirement Planning

  • Inflation-adjusted corpus calculation
  • Retirement income structuring
  • NPS & annuity integration
  • Succession & legacy planning
🏷️

Tax & Estate Planning

  • Capital gains tax optimisation
  • HUF & trust structuring
  • Will drafting co-ordination
  • Cross-generational wealth transfer
🔒

Risk & Insurance Advisory

  • Portfolio stress-testing
  • Term & life cover optimisation
  • Health & liability coverage review
  • Business key-person insurance

Interactive Tools

Empower Your Financial Decisions

Use our institutional-grade calculators to visualise your wealth trajectory.

SIP Wealth Calculator

Total Investment₹60,00,000
Estimated Returns₹56,16,954
Total Corpus

₹1,16,16,954

🧭

Risk ProfilerLive ↓

A 5-step framework assessing your Risk Capacity, Risk Tolerance, and Risk Requirement — then recommending a personalised asset allocation.

→ Start the profiler below

🏡

Retirement ArchitectLive ↓

Calculate the exact inflation-adjusted corpus required to maintain your current lifestyle and achieve permanent financial independence. Includes surplus/shortfall analysis.

→ Try the full calculator below

Retirement Architect

Plan Your Financial Independence

Enter your details below to see exactly how much corpus you need, whether you're on track, and what monthly income your retirement fund can generate.

🏡 Retirement Inputs

* This calculator assumes your current corpus grows at the pre-retirement return rate. Inflation compounds annually on your expenses.

📊 Retirement Snapshot

Corpus at Retirement₹2.41 Cr
Corpus Needed (Perpetuity)₹28.86 Cr
Monthly Expenses at Retirement₹2.41 L / mo
Sustainable Monthly Income₹1.70 L / mo
Corpus lasts12 years ⚠
Corpus Goal Progress8% of goal
⚠ Shortfall — Action needed
₹26.45 Cr gap to close

Consider increasing your monthly savings, extending your working years, or adjusting your post-retirement lifestyle to bridge this gap.

How it works:
Corpus at Retirement = Current Corpus grown at pre-retirement return.
Monthly Expenses at Retirement = Today's expenses compounded at inflation.
Corpus Needed (Perpetuity) = Annual expense at retirement ÷ (post-ret return − inflation).
Sustainable Monthly Income = What your projected corpus pays monthly over your chosen retirement period (SWP).

Know Your Risk Profile

Risk Profiler & Asset Allocator

A 5-step framework assessing your Risk Capacity, Risk Tolerance, and Risk Requirement — then recommending a personalised asset allocation.

1
Profile
2
Goals
3
Tolerance
4
Requirement
5
Results

👤 Step 1 — Personal & Financial Profile

Step 1 of 5

🎯 Step 2 — Investment Goals

Add up to 3 financial goals. This helps calculate the return required to achieve your objectives.

Step 2 of 5

🧠 Step 3 — Risk Tolerance Assessment

Answer honestly — there are no right or wrong answers. This reveals your emotional ability to handle volatility.

Question 1 of 10
Your ₹10 lakh portfolio drops to ₹7 lakh in 3 months due to a market downturn. What do you do?
Question 2 of 10
Which type of investment would you prefer for your core savings?
Question 3 of 10
What is the maximum annual loss on your portfolio you can accept without losing sleep?
Question 4 of 10
Markets crash 40% due to a global crisis (like COVID-2020 or the Iran war). You…
Question 5 of 10
How long can you stay invested in this portfolio without needing to withdraw any money?
Question 6 of 10
How would you describe your investment experience?
Question 7 of 10
A colleague made 60% returns in direct stocks last year. You…
Question 8 of 10
Your portfolio shows 0% returns for 2 full years while inflation runs at 6%. You…
Question 9 of 10
What is your primary investment objective?
Question 10 of 10
Which statement best describes how you react to your portfolio falling?
Step 3 of 5

📐 Step 4 — Risk Requirement

This step calculates the minimum annual return required to achieve your most important goal. If your goals can be met with 8% returns, there is no need to take 15% equity risk.

The corpus you need to accumulate
Leave 0 if starting fresh
Formula: Required CAGR = (Target ÷ Current Corpus)1/n − 1, where n = years to goal.
Step 4 of 5

How We Work

The Wealth Builders Process

A structured, repeatable approach to protecting and growing every rupee you've earned.

Discovery Call

We understand your goals, current portfolio, tax situation, and risk tolerance before making any recommendation.

Wealth Audit

A 360° review of existing investments, insurance, liabilities, and estate structures to identify gaps and opportunities.

Strategy Blueprint

A customised investment policy statement and portfolio design — Core + Satellite allocation tailored to your life stage.

Implementation

Seamless execution on the Motilal Oswal institutional platform with full transparency and real-time reporting.

Ongoing Review

Quarterly portfolio reviews, annual financial plan updates, and proactive alerts on market-moving events.

Stay Informed

The Wealth Builders Letter

Institutional thinking for the discerning investor. Markets, strategy, and wealth insights — delivered to your inbox.

📬 Subscribe — It's Free

Join investors who receive our market perspective and portfolio strategy notes.

Past Issues

Click any issue to read it in full.

Issue #3 · Latest30 May 2026
US–Iran 60-Day MOU, Brent −11%, MSCI Rebalancing & What It Means for Your Portfolio
+
MacroGeopoliticsEquity MarketsFII/DII FlowsActionable

Indian markets closed May under a triple shock — MSCI rebalancing, monsoon downgrade, and Iran MOU uncertainty — even as the underlying macro picture improved dramatically. Brent crashed 11%, the rupee hit ₹95.05, and the Nifty IT sector was the only green sector on Friday.

📄  Read Full Newsletter →
Issue #223 May 2026
Cautious Recovery — Nifty +0.32%, IT Rebounds, Brent −6% on Iran Talk Progress, 50-DMA Reclaimed
+
MacroIT SectorGeopoliticsCrude Oil

Indian markets staged a modest but meaningful recovery — Nifty +0.32% to 23,719, ending a two-week losing streak and reclaiming the 50-DMA. Brent fell 6%+ on Iran talk progress (US Sec. State Rubio confirmed "slight progress"), though Khamenei's order to keep enriched uranium inside Iran complicated the peace track.

📄  Read Full Newsletter →
Issue #116 May 2026
Sharply Bearish — Nifty −2.44%, Iran Talks Collapse, OpenAI Shock to IT, Rupee at Record ₹96, Gold Duty Hiked to 15%
+
MacroIT SectorGeopoliticsGoldRupee

India's worst week since early March 2026 — Nifty −2.44% to 23,644, hit by a cascade of simultaneous shocks: US–Iran peace talks collapsed, OpenAI's $4B AI Deployment announcement sent Nifty IT crashing 7.16%, the rupee hit a record ₹95.73 intraday, and gold import duty was raised from 6% to 15%.

📄  Read Full Newsletter →

The Principals

Boutique Agility. Institutional Strength.

Two principals. One shared mission: to protect what you've built and grow what you'll leave behind.

K

KNV Subramanyam

Institutional Discipline · Risk & Compliance

27 years across ICICI, HDFC, and IDBI Bank. Deep expertise in wealth management, regulatory compliance, and risk frameworks. Renowned for disciplined, process-driven investment governance and institutional-grade portfolio oversight.

27 Years Experience
K

Kishan Ravia

Market Agility · Research & Strategy

10+ years managing proprietary and family office portfolios. Specialist in equity research, financial modelling, and dynamic portfolio strategy. Known for sharp capital markets instinct and high-conviction stock selection.

10+ Years Experience

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Motilal Oswal Institutional Platform

Book a Meeting

Schedule Your Free Consultation

A 30-minute, no-obligation conversation with KNV or Kishan. We'll review your current position and identify the most impactful next steps.

📅  Book a Time on Our Calendar

Or reach us directly:
subbubrd@gmail.com | +91 98661 85232 | +91 77023 00729

Existing Clients

Secure Client Gateway

Process your advisory mandates quickly and securely.

Advisory Fee

Annual portfolio advisory and investment management fee.

Pay Advisory Fee

Financial Planning Fee

One-time comprehensive financial plan preparation fee.

Pay Planning Fee

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📊 Market Snapshot
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