Krutika Kathal, CFP® · SEBI Registered Investment Adviser · Fee-only
Financial peace of mind, for every stage of your life.
One plan built around your goals, put to work for you and kept on course every year. The feeling you're left with is the point: your money is handled.
50+
families planned with
₹22 Cr+
assets under advice
0
commissions, ever
"When your life changes, I change the plan. You don't have to ask."
Krutika Kathal · Pune
50+ families
planned with
₹22 Cr+
assets under advice
0 commissions
fee-only, always
"When your life changes, I change the plan. You don't have to ask."
Krutika Kathal · Pune
SEBI Registered Investment AdviserSEBI Registered Investment Adviser
Legally bound to act in your interest
CFP® certified by FPSBCFP® certified by FPSB
Your whole financial life, not just investments
Fee-only adviceFee-only, no commissions
No commissions, no products to sell
8+ years of practice8+ years · INA000020280
Reg. no. INA000020280
The Financial P.E.A.C.E. promise
Five promises. One feeling: peace of mind.
Each letter answers a question people ask before they trust anyone with their money. Together they describe how it should feel to work with us.
P.
"Will you actually understand my situation?"
Personalised clarity
A plan built around your life, your goals and your family. Not a template.
E.
"Will this take up all my time?"
Effortless experience
No paperwork headaches and no jargon. You get on with your career; the finances are handled.
A.
"What happens when my life changes?"
Adaptive strategy
A raise, a child, a move, a market fall. Your plan changes when your life does.
C.
"Will you disappear after I sign up?"
Committed oversight
Reviews, rebalancing and course corrections, backed by SEBI RIA fiduciary duty.
E.
"What do I actually get out of this?"
Enduring confidence
The settled feeling that your money is handled, today and decades from now.
My Financial P.E.A.C.E. · for clients
Your plan isn't a PDF. It's live, and it's always yours.
Every client gets My Financial P.E.A.C.E.: one place for your goals, investments, sessions and documents, kept up to date by Krutika.
Every goal, in the order it arrives
What you've saved, and where your plan says you should be today
Net worth and your mix vs. your plan
Updated nightly, rebalanced when anything drifts
Sessions with Krutika
Book reviews, see decisions and outcomes from past calls
Documents in one place
Your plan, agreements and tax papers, versioned
Tools from The Financial P.E.A.C.E.
Peace of mind starts with knowing where you stand.
Two tools you can use on your own, with or without a program.
Flowbit · cashflow insights
See where your money comes from, and where it goes.
Upload your credit card and bank statements, any bank, any format. Flowbit reads every transaction, sorts it, and flags the cracks in your spending.Upload your statements, any bank, any format. Flowbit sorts every transaction and flags the cracks in your spending.
Paisa Report · 38-question assessment
Find out where you stand, and what to work on first.
38 questions across five parts of your financial life. You get a health check on seven planning areas, your investor personality and what to fix first. It doesn't recommend any investments.A health check on seven planning areas, your investor personality and what to fix first. It doesn't recommend any investments.
Six pillars
Your whole financial life, in one plan.
Every program covers two, four or all six. You choose which ones matter most right now.
Cashflow management
Where your money goes, and making your income work as hard as you do.
Insurance planning
The right cover, the right amount, the right structure. No more, no less.
Investment planning
Goal-based investing matched to your timeline and risk appetite.
Retirement planning
A corpus that sustains your lifestyle for decades after your last salary.
Tax planning
Legally lower tax, so more of every rupee goes to your future.
Estate planning
Wills, nominations and structuring, so your wealth reaches the right people.
How it works
Six steps, then it keeps going.
- 1
Discover
Your life, goals, worries and today's finances. Starts with the free call.
- 2
Analyse
What's working, what isn't, what's missing.
- 3
Strategise
A personal plan matched to your goals and life stage.
- 4
Implement
Put to work step by step, with no loose ends.
- 5
Empower
You understand the why behind every move.
- 6
Review
Regular reviews keep you on course as life changes.
Programs
Choose how much we take on.
Essential
2 of 6 pillars₹10,000
first year · then ₹6,000/year
For one or two focused needs. Annual review and email support.
Advanced
4 of 6 pillars₹25,000
first year · then ₹15,000/year
For most professionals. Quarterly reviews and a dedicated WhatsApp line.
Premier
All 6 pillars₹45,000
first year · then ₹30,000/year
Your whole financial life. Monthly sessions and weekly voice check-ins.
Start with a free 30-minute call.
Tell Krutika what's on your mind. She'll tell you honestly whether a program would help. There's no obligation and no sales pitch.
- A few questions, then pick a time
- Calendar invite by email
- Google Meet, from anywhere in India