WEALTH MANAGEMENT

Comprehensive Wealth Management for Every Stage of Life

From your first investment to managing a multi-crore portfolio — FinGarage provides holistic wealth management covering loans, investments, insurance, and tax planning under one roof.

Holistic Advisory

All Products

AMFI Registered

Advisors

Zero Advisory Fee

For eligible clients

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Wealth Management Overview

Portfolio Under AdvisoryRs.2.5 Crores

Asset AllocationEquity 65% / Debt 35%

Annual Return13.8% CAGR

Tax Saved (FY24)Rs.1.2 Lakhs

Insurance CoverRs.1 Crore term

KEY FEATURES

What FinGarage Wealth Management Covers

Investments

Mutual funds, SIPs, bonds, NPS, REITs, and alternative investments. Portfolio built around your risk profile, goals, and tax situation.

Insurance

Term insurance, health insurance, and critical illness cover reviewed and optimised. Most clients are under-insured — we fix that.

Loans

Home loan, business loan, LAP, and balance transfer advisory. We ensure your loan book is structured at the lowest cost available.

Tax Planning

Annual tax saving plan covering 80C, 80D, 80CCD(1B), HRA, and salary restructuring. Coordinate with your CA for ITR filing.

Goal Planning

All financial goals mapped and invested for: children's education, home purchase, retirement, business capital, and discretionary goals.

Estate and Succession Planning

Will drafting referrals, nomination reviews, joint holding structure, and basic estate planning guidance to ensure wealth transfer is smooth.

ELIGIBILITY

Who Is Wealth Management For?

Individuals and families with a complex financial picture who benefit from a single trusted advisor across all aspects.

✓Annual income of Rs.25 lakhs or more
✓Existing investment portfolio of Rs.25 lakhs or more
✓Multiple financial goals running simultaneously
✓Business owners with personal and business financial integration
✓NRIs managing Indian assets remotely
✓Families transitioning wealth across generations

Documents Required

✓PAN Card (all family members)
✓Aadhaar Card
✓Complete investment portfolio statement
✓Insurance policies summary
✓Loan statements and property documents
✓Last 2 years ITR and Form 16

THE PROCESS

How It Works

Comprehensive Financial Audit

A 90-minute deep-dive with your dedicated wealth manager. We review your entire financial picture: income, expenses, investments, insurance, loans, and tax situation.

Personalised Wealth Plan

Receive a written wealth plan covering: asset allocation, product-specific investments, insurance adequacy, loan optimisation, and annual tax savings.

Implementation Across All Areas

We set up all recommended investments, review and restructure loans, place insurance applications, and coordinate with your CA. Full implementation within 2–3 weeks.

Quarterly Review and Annual Audit

Dedicated wealth manager reviews your portfolio quarterly. Annual comprehensive audit to adapt the plan to income changes, life events, and market conditions.

Frequently Asked Questions

What is the difference between wealth management and regular investment advisory?

Investment advisory focuses only on which investments to buy. Wealth management is holistic — it covers investments, insurance, loans, tax, and estate planning as an integrated system. A wealth manager looks at how all components interact: your home loan EMI affects how much you can invest in SIPs, which in turn affects your tax planning.

Is wealth management only for the very wealthy?

No. While private banks serve ultra-HNIs (Rs.5 Crore+ portfolio), effective wealth management starts to add significant value from a portfolio of Rs.25 lakhs. At this level, the interaction between tax planning, investments, loans, and insurance is complex enough to benefit from coordinated advice.

How does FinGarage make money if advisory is free?

We earn trail commission from mutual fund companies (paid by AMCs, not deducted from your returns), referral fees from insurance companies, and loan processing fees from banking partners. This is disclosed upfront. On the direct plan side for large portfolios, we charge a transparent advisory fee.

Can I continue with my existing investments and advisors?

Yes. We can work alongside your existing CA, stockbroker, and insurance agent — filling in gaps and providing a consolidated view. Many clients consolidate over time as they see the value of having everything coordinated.

What happens to my portfolio if my wealth manager leaves FinGarage?

Your investments, insurance policies, and loans are in your name — not tied to any individual. You will be transitioned to a new wealth manager and can review all existing recommendations. Client continuity is protected by our client record management and investment tracking systems.