No product Sales. No commissions. Just honest guidance.
At AK Rao Personal Finance Advisory, we provide unbiased financial guidance. Our compensation comes solely from our clients — never from product commissions.
A K Rao brings over 32 years of consulting and management experience into personal finance advisory. He has been guiding individuals and families towards long-term financial clarity, security, and independence — as one of a few hundred SEBI-registered Investment Advisers in India.
Our only income is your fee. Not a single rupee from any product, fund house, or insurer.
We recommend Direct Mutual Funds — which often saves you more than our own fee, every year.
As a SEBI RIA, we are legally bound to put your interests first — not just professionally committed to it.
No products to sell. No targets to hit. Every recommendation we make exists solely for your benefit.
One plan for your entire financial life. We map and quantify your goals, build the investment and insurance strategy to fund them, make your tax efficient, and secure your retirement, then keep it current as your life changes.
Every goal, near and long term, quantified in today’s and future value and matched to a plan to fund it.
An asset allocation matched to your risk profile, with a Dynamic SIP that steps up as your income grows.
A stress-testing platform to model life events, retiring early, higher inflation, a break year, and find out exactly what it takes to stay on track.
Your life, health and asset cover measured against what your situation calls for, with any gaps flagged.
Your loans mapped with balances, rates and payoff years, and a plan to clear them sooner, bringing your debt-free date forward.
Your whole financial life on one page, with scenario testing for the decisions that matter most.
From ₹20,000 one-time · ₹10,000/yr retainer
"Investment guidance should focus on balanced short and long-term planning, moving beyond the noise of aggressive marketing. With Ashok's guidance, you can master your financial needs over the long term — ensuring your hard-earned money never misses the right opportunities."
"Retirement Planning felt overwhelming until I consulted AK RAO. They simplified everything and built a robust cash-flow strategy for my golden years."
"Moving to a fee-only SEBI RIA was the best financial decision I made. The transparency and lack of hidden commissions gave me immense peace of mind."
"AK Rao Personal Finance Advisory offered a highly personalised approach and practical guidance to my financial planning which gave me real confidence in my decisions."
"Truly the gold standard in financial advisory. AK Rao's fee-only approach ensured completely unbiased guidance. They optimised my asset allocation and built a crystal-clear strategy for my retirement and beyond."
Practical, unbiased perspectives on personal finance — written for professionals navigating complex financial decisions.
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Read on LinkedIn →Book a complimentary 30-minute discovery call with our SEBI-registered adviser — no commitment, no sales pitch, no pressure.
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