Programs · fee-only · SEBI Registered Investment Adviser
Choose how much we take on.
Every program starts with the same close look at your finances. They differ in how many pillars we cover and how often we meet.
Essential
2 of 6 pillars₹10,000
first year · then ₹6,000 a year
For one or two focused needs.
- Any 2 of the 6 pillars
- Annual review meeting
- Email support
- Your plan live in My Financial P.E.A.C.E.
Advanced
4 of 6 pillars₹25,000
first year · then ₹15,000 a year
Comprehensive cover for most professionals.
- Any 4 of the 6 pillars
- Quarterly review meetings
- Dedicated WhatsApp line
- Faster response times
- Your plan live in My Financial P.E.A.C.E.
Premier
All 6 pillars₹45,000
first year · then ₹30,000 a year
Your whole financial life, managed with you.
- All 6 pillars
- Monthly one-on-one sessions
- Unlimited ad-hoc sessions for life events
- Weekly voice check-ins
- Fastest response time
- Your plan live in My Financial P.E.A.C.E.
Build your Advanced program
Which pillars matter most right now?
Not sure? Krutika will help you choose on the discovery call.
Cashflow
Where your money goes, and making income work harder.
Insurance
The right cover and amount for your family.
Investments
Goal-based, matched to your timeline and risk.
Retirement
A corpus that lasts long after your last salary.
Tax
Legally lower tax, more saved every year.
Estate
Wills, nominations and structuring.
Compare
What's in each program
You pay us, and only us
We earn only the advisory fee. No commissions, no kickbacks, no products to push, so the advice is never conflicted.
The first year builds the plan
Discovery, analysis and your full blueprint happen in year one. Renewals keep the plan current and on course.
Regulated advice
Krutika is a SEBI Registered Investment Adviser (INA000020280) with a fiduciary duty to act in your interest.
Questions people ask
Yes. It's a 30 minute call to understand your situation and see whether a program would help. There's no obligation, and no sales pitch.
Year one is when we do the heavy lifting: discovery, a full analysis of your finances and building your plan. From year two the work is keeping that plan current, so the fee drops.
No. We're fee-only. We don't earn commissions on anything you buy, so every recommendation is made only for your benefit.
Yes. If your needs grow or narrow, talk to Krutika and we'll move you to the program that fits.
Recent bank and card statements, your investment and insurance details, and loan papers if you have any. We'll send a short checklist when you book.