Planning from the tax side of the table
Most financial advice in India is sold by people who earn a commission on the product. We do not distribute financial products and take no commission on any investment, which means our advice on what you should hold is worth exactly what our reasoning is worth — and nothing else.
What we bring instead is the tax view: how a holding is taxed on exit, how it interacts with your business income, what it does to your advance tax, and whether the structure it sits in is the right one.
Structuring: HUF, trusts and succession
For families with business income or substantial assets, the structure often matters more than the individual investments.
- Hindu Undivided Family — a separate assessable entity with its own exemption limit and slab benefit, useful where family income can properly be attributed to it. Formation, PAN, and the clubbing provisions that limit it.
- Private family trusts for succession and asset protection, and the taxation that follows from how the trust is drafted
- Succession planning — wills, nominations that conflict with wills, and the difference between the two
- Gift and clubbing provisions under Sections 60 to 64, which undo a good deal of naive planning
Read our guide on HUF as a tax planning structure and on planning across a family.
Retirement and cash flow
For business owners in particular, retirement planning is complicated by the fact that the business is both the income and the asset. We model what the household needs, what the business can sustainably distribute, and what a sale or succession would actually leave after tax — which is usually the number that matters.
Our EMI calculator and income tax calculator cover the arithmetic; the planning is the conversation around it.