Income, expenses, assets, liabilities
The full starting position, including loans and existing investments. Everything after this depends on getting this bit honest.
Services
Money that knows what it’s for
One undifferentiated investment pile makes every decision harder. When each rupee is attached to a goal and a date, questions like “should I stop my SIP?” mostly answer themselves.
What this covers
What this involves
Working out the shape of your finances before deciding where anything goes.
Goals, dated and prioritised
A home, a degree, a sabbatical, retirement — each with a year attached and a realistic view of which ones compete with each other.
Cash flow and savings structure
How much can genuinely be invested each month, and on which date, so it survives contact with an actual salary cycle.
Net worth over time
Assets against liabilities, reviewed periodically, so you know whether the direction of travel is right.
Milestone reviews
Marriage, a child, a job change, an inheritance — the plan gets revisited at the moments that actually shift it.
Household alignment
For couples, getting both people to the same understanding of what the money is doing. This one matters more than it sounds.
Why Advaya
How this differs
- Goals first, schemes secondWe don’t start with a fund recommendation. We start with what the money is for.
- Realistic, not aspirationalIf four goals don’t fit the income, we say so and help you sequence them rather than quietly under-funding all four.
- Clear either wayWhether we go through it on a call or send it across, you will know exactly what is being suggested and why.
- Revisited on schedulePlans go stale. Yours gets looked at annually and whenever something significant changes.
Put the goals on paper first
A free session to map what you are actually saving towards, before talking about any product.