Why founders need a different plan
Standard financial plans assume a steady salary and a diversified portfolio. Founders usually have neither. The questions that matter are different:
Concentration: how much of your net worth depends on a single company, and what the rest of the portfolio should do because of that.
Irregular cash flow: how to run household finances and investing when income comes in lumps.
Liquidity: how much to hold in reserve so personal needs never force a business or portfolio decision at a bad time.
Tax: how capital gains, asset location and withdrawal sequencing affect what you keep.
What we work on together
Integrated capital mapping: one view of company equity, personal investments, property and liabilities.
Concentration management: a personal allocation policy designed around your equity exposure.
Liquidity and goal sequencing: reserves and goals ordered by when the money is needed.
Tax-aware structuring: capital gains planning and asset location, coordinated with your tax professional.
Family and estate frameworks: so the plan works for the household, not only for you.
Service detail is on the services page.
Why fee-only matters here
A liquidity event attracts a lot of product sales. A fee-only adviser earns the same fee whether you buy a product or do nothing, which keeps the advice about suitability. See fee-only vs commission-based advisers.
What it costs
Fees are published and paid directly to the adviser. There are no commissions from any product.
Planning Blueprint: ₹25,000 one-time, for individuals and couples.
Annual Advisory: ₹10,000 flat or 0.6% of assets under advice, whichever is higher, with quarterly reviews.
Family Office Lite: custom pricing for complex family and founder situations.
Full details and SEBI fee limits are on the fees page.
Registration
Advisoira is registered with SEBI as an Investment Adviser under the name Partha Harshal Deshpande, registration number INA000022321. You can verify any adviser on the SEBI website before engaging them.
Frequently asked questions
Does Advisoira work with founders and entrepreneurs?
Yes. Advisoira works with founders and entrepreneurs who have concentrated equity exposure or irregular cash flow, alongside working professionals and families.
How is advice for founders priced?
Founders can start with the Planning Blueprint at ₹25,000 one-time or Annual Advisory at ₹10,000 flat or 0.6% of assets under advice, whichever is higher. Complex situations are covered by Family Office Lite with custom pricing.
Does Advisoira sell investment products?
No. Advisoira is a fee-only SEBI Registered Investment Adviser and earns no commissions from mutual funds, insurance or any other product.