If you’ve asked yourself any of these questions, you’re not alone and you don’t have to figure it out by yourself.
We create a financial roadmap tailored to your life goals.
Understand your current finances and what matters most to you
Short-term wins and long-term dreams, both covered
Life changes, and so will your plan. We keep it updated with you.
A practical action plan that shows you what to do and when.
Assets managed to help our clients grow and protect their wealth.
Not Just a Mission. A Promise.
As a SEBI-Registered Investment Adviser, we work on a fee-only basis. We earn nothing from commissions or product sales — our only compensation is the advisory fee you see below, so our advice stays aligned with your interests alone.
A flat annual advisory fee covering full financial planning, portfolio advice and ongoing reviews.
0.50% per year on the portion of assets between ₹1 cr and ₹5 cr, added to the ₹50,000 base.
0.35% per year on the portion of assets between ₹5 cr and ₹10 cr.
0.25% per year above ₹10 cr, with your total fee capped — it never rises beyond the maximum.
Applies to every advisory relationship, regardless of portfolio size.
A hard ceiling — your fee never exceeds this, however large your portfolio.
How your fee is calculated. Fees are charged in slabs, like income tax: each rate applies only to the portion of assets within that band, not to the whole portfolio. Your fee is always the higher of the ₹50,000 minimum or the slab calculation, and never more than the ₹5,00,000 maximum.
*Above fees is for Resident Indian clients. Fees for NRI is different due to complexities involved.
** Fees is exclusive of GST. GST charges @18% extra.
Comprehensive financial planning is an end-to-end review of your entire financial life rather than an isolated look at a single product. It connects your cash flow, existing assets, debt obligations, risk coverage, tax strategies, retirement roadmap, and estate wishes into a unified personal balance sheet. The outcome is a clear action plan that aligns your money with your actual long-term life priorities.
Yes, especially if your investments are fragmented across mutual funds, real estate, company stock, and fixed deposits without an overarching asset allocation strategy. This service is designed for salaried executives, business owners, and professionals balancing competing priorities: paying down a home loan while funding international higher education and preparing for retirement. It replaces one-off, transactional product suggestions with an ongoing fiduciary roadmap.
Schedule a discovery call with our advisory team] to see how a unified plan coordinates your existing portfolio.
AM Capitals operates under SEBI Investment Adviser regulations (INA000022941) as a fee-only fiduciary. You pay an agreed flat or tiered advisory fee directly to us. We do not earn hidden commissions, trail fees, or product incentives on the financial assets included in this advisory scope, prioritizing Direct mutual fund plans.
View our published fee schedule and book an initial consultation] to discuss your scope of work.
Single-goal guidance focuses narrowly on funding a single milestone without assessing the financial trade-offs on the rest of your life. Comprehensive financial planning balances all goals simultaneously, ensuring that funding one target (such as an expensive overseas degree) does not compromise your emergency reserves, insurance protection, or retirement independence. It is an all-inclusive framework rather than an isolated projection.
We conduct formal reviews at least once every six to twelve months to track goal progress, rebalance drifted asset allocations, and incorporate life changes such as career shifts, bonuses, or family additions. In addition, you have scheduled access to our advisory team throughout the year to stress-test major mid-year capital decisions before executing them.