What is the difference between wealth management and financial planning?

Financial planning is for everyone and focuses on achieving life goals through budgeting, saving, and investing. Wealth management is a more comprehensive service for HNIs (typically Rs 1 crore+ investable assets) that includes advanced tax strategies, alternative investments, estate planning, and multi-generational wealth transfer.

Should HNIs invest in PMS or AIF?

Portfolio Management Services (minimum Rs 50 lakh) and Alternative Investment Funds (minimum Rs 1 crore) can complement your core portfolio. However, they come with higher fees and lower liquidity. Your RIA evaluates whether PMS/AIF adds genuine value versus a well-constructed mutual fund portfolio.

How is international diversification handled?

Indian residents can invest up to USD 250,000 per year under the LRS (Liberalised Remittance Scheme). Your RIA can recommend international equity funds, US ETFs, or global feeder funds available in India for geographical diversification.

What about real estate in my portfolio?

Physical real estate is illiquid and often over-weighted in Indian HNI portfolios. Your RIA may recommend reducing direct real estate exposure and adding REITs for diversified, liquid real estate allocation with regular income, while keeping your primary residence and any strategic properties.

Wealth Management for HNIs by SEBI-Registered RIAs | Finamize

Comprehensive wealth management for high-net-worth individuals. Multi-asset allocation, tax optimisation, estate planning, and legacy building with fiduciary advisers.

₹50L

MIN RIA NET WORTH

TRAIL COMMISSIONS

NISM

CERTIFIED

Annual

AUDIT REQUIRED

Why Finamize

Why Choose Finamize

Multi-Asset Allocation

Beyond equity and debt — your portfolio may include REITs, InvITs, sovereign gold bonds, international funds, and structured products based on your risk profile.

Tax Optimisation

Strategic tax planning across capital gains harvesting, Section 54 exemptions, DTAA benefits for international investments, and tax-efficient withdrawal strategies.

Estate & Succession Planning

Will preparation guidance, trust structure recommendations, nomination reviews, and seamless wealth transfer planning for the next generation.

Consolidated Reporting

Single dashboard view of all your assets — demat, MFs, insurance, real estate, FDs, PPF, NPS. Quarterly performance reports with benchmark comparison.

How It Works

Get Started in 3 Steps

Wealth Assessment

Comprehensive review of all assets, liabilities, income streams, tax situation, insurance coverage, and estate planning status.

Strategy Design

Your RIA builds a multi-asset wealth management strategy covering growth, income, protection, and legacy objectives.

Execution & Stewardship

Implement across platforms with your RIA coordinating the moving parts. Quarterly reviews, annual rebalancing, and proactive tax planning.

Regulatory Framework

FAQ

Frequently Asked Questions

Explore Wealth Management

Connect with SEBI-registered advisers who specialise in managing wealth for high-net-worth families. Fiduciary, fee-only, and fully transparent.