Focused Advisory · Independent Review

Second Opinion

You have received financial advice and something feels off — or you simply want to be sure before acting on it. Get an independent, SEBI-registered review before you commit.

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Unlike commission-based intermediaries, a SEBI-registered RIA is legally prohibited from earning any compensation from the products they recommend. Our review is conducted with complete independence — we have no financial stake in the outcome, and our only income is the transparent fee you pay us.

Common situations people bring to us

💬"My relationship manager says I should move ₹20L into this ULIP / structured product — is it right for me?"

💬"My advisor built me a financial plan. I want someone independent to review it before I sign up."

💬"I was told to surrender my LIC policy and reinvest — but it does not feel right."

💬"My company's wealth manager recommended a PMS or AIF. Is it appropriate for my situation?"

💬"I inherited a portfolio and want to know if I should keep it or restructure it entirely."

What we look at

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Conflict of interest

Is the advisor incentivised to recommend this? What commissions are embedded in the product?

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Suitability

Does this product or plan actually match your risk profile, goals, timeline, and liquidity needs?

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Cost analysis

What are the total costs — upfront, ongoing, and exit? Are there lower-cost alternatives that achieve the same outcome?

The two possible outcomes

✔ All clear

The advice is sound and suitable for you. You proceed with confidence, not anxiety — knowing an independent SEBI RIA has validated it.

⚠ Concerns found

We flag what is wrong, explain why clearly, and give you an alternative path to consider — so you can make a fully informed decision.

What you receive

✔ A written review document — a clear verdict with reasoning, not jargon
✔ Conflict-of-interest assessment of the recommending advisor or institution
✔ Full cost breakdown of the product or plan being reviewed
✔ Suitability assessment against your actual risk profile, goals, and timeline
✔ A 60-minute call to discuss findings and your options going forward

What we need from you

📄 The advice or proposal document

🎯 Your financial goals

📊 Current portfolio (rough)

📅 Your investment horizon

📈 Risk tolerance (self-assessed)

💰 Amount being recommended

This service is right for you if…

● You have received advice from a bank RM, insurance agent, or commission-based advisor
● A large sum is involved and the decision feels irreversible
● You want to act — but want one independent, qualified voice before you do
● You have inherited investments and are not sure whether to keep or restructure them
● You are simply not confident the advice you received is in your best interest

₹7,500

One-time · Review delivered in 5 business days · Includes 60-min advisory call

Book This Service →

🛡️ SEBI Registered · INA000022534 🚫 Zero commission, zero conflict 🔒 Your documents stay confidential