FAQs
​To help you get a sense of how I work and what to expect, I encourage you to go through the FAQs below. They reflect the kind of conversations I have with my clients - honest, clear, and focused on your long-term well-being.
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I also believe that the best financial partnerships are built on mutual trust and alignment. That’s why I choose to work with clients where I know I can make a meaningful impact.
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I would strongly recommend you read these FAQ and if what you read here resonates with you, I’d love to connect.
Let’s start with a free, no-obligation call, a quick chat to see if we’re the right fit for each other.
Who do you work with and is there a minimum amount of capital needed?
I work with individuals who are serious about building long-term wealth and value thoughtful, research backed coaching.If you’re someone who wants clarity, consistency, and a trusted partner to help you navigate your financial life we’ll get along well. If you want to call all the shots and want someone to execute only then we may not be a great fit.
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There’s no fixed capital requirement to get started. What matters more is mindset and trust. My best clients are usually 35 and older, open to learning, and committed to taking action. They value guidance, stay engaged in the process, and benefit deeply from the ongoing education and support I provide.
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Just like investing, a good client-coach relationship compounds over time. If that sounds like what you're looking for, I’d be glad to support your journey.
How do you charge and get paid?
I operate as a mutual fund distributor. I believe in keeping things simple, transparent, and conflict-free. My recommendations are always based on what’s right for you, not what earns me the highest commission. I only suggest investments I personally believe in and would choose for myself. Depending on the products selected to meet your goals, my fees typically range from 0.8% to 1.25% of the invested amount. You’ll always know exactly what you’re paying and why — no hidden fees, no fine print, and no pressure.
How will our relationship work?
At Fiscal Fitness, you are always at the center. Our journey starts with a conversation . I take the time to truly understand what you want to achieve with your money. From there, I design a personalized investment strategy tailored to your goals, using mutual funds and essential protection products such as term life and health insurance.
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Once we implement, we’ll regularly review your progress and make adjustments as needed. You’ll work directly with me from day one. No junior advisors or handoffs. Whether you're based in Mumbai or anywhere else in the world, I offer virtual meetings, ongoing support, and quick access to guidance whenever you need it. Wherever you are, you’ll always have a trusted coach by your side.
What's your investment philosophy? How are you different from other financial advisors or firms?
I firmly believe one needs simple products with adequate risk management to ensure long term success. My investment philosophy is based on having the right asset allocation basis your personal goals. No two of us are the same and hence every person needs to approach investing that is 100% personalised to them. I love to keep it simple when it comes to investing. Doing this ensures we get the best outcome with as little risk, all tailored for your risk tolerance, time horizon, and life goals.
Unlike many financial advisors who push products or follow a one-size-fits-all approach, I offer 100% personalized investment strategies built around your life not sales targets. At Fiscal Fitness, the goal is simple: to improve your financial health and peace of mind, not my bottom line. I use proven, easy-to-understand products and focus on long-term outcomes not flashy pitches or unnecessary complexity. You get a personal finance coach who’s fully invested in your journey someone who checks in, follows up, and stays by your side as you build a financially free life.
What other services do you offer via collaborations?
While my core focus is helping you grow and manage your investments to meet your life goals, I also connect clients with trusted professionals when needed.
Through my network, I can refer you to experienced legal advisors for wills and estate planning, CAs for tax and accounting support, and insurance experts for health and life coverage. These are unbiased referrals — you're always free to work with your own trusted professionals too. Either way, I’ll coordinate and align with them to ensure all parts of your financial life work smoothly together.
How safe is it dealing with FiscalFitness?
Your safety and trust come first. I’m an AMFI-registered mutual fund distributor, and all your investments are made directly with the mutual fund companies, never through my personal or business bank accounts. When you invest or redeem, the money flows securely between your bank account and the investment provider. I’m here to guide you, set things up, and support you along the way but you always stay in control, with full access to view or manage your portfolio independently.
For operations and technology, I partner with trusted platforms like Happyness Factory to ensure a seamless, secure experience. In short: your money stays safe, your control stays with you, and my role is to support not hold your wealth.