Our Services
Zen Wealth offers two SEBI-regulated services delivered by the same person who holds both registrations — comprehensive financial planning as an Investment Adviser, and equity research as a Research Analyst. Every recommendation is grounded in 20+ years of corporate finance expertise, documented in writing, and 100% free of commission conflicts.
Investment Advisory
SEBI Registered IA (INA000021100) — fee-only, fiduciary, fully documented. No products. No commissions. Just your plan.
Personalized Financial Planning
Your goals — retirement, education, home, emergency fund — prioritised, allocated, and mapped into one written plan with a clear roadmap to financial independence.
Portfolio Construction & Asset Allocation
Built like a corporate capital structure — every allocation has a documented rationale. Equities, debt, and mutual funds in proportions matched to your risk capacity and timeline. No templates.
Risk Profiling & Suitability
SEBI-mandated risk assessment before any advice is given. Your capacity and willingness to take risk are formally documented — protecting you from misaligned recommendations.
Quarterly Monitoring & Rebalancing
Three review sessions per year to rebalance, reassess, and keep your portfolio aligned with your goals — regardless of what markets are doing.
Retirement Planning
Model your corpus. Calculate the accumulation path. Factor in inflation, healthcare, and 25–30 years of post-retirement income. Build genuine financial independence, not just savings.
Insurance Advisory
Life, health, and protection products assessed and recommended as part of your overall financial plan — not sold for commission. (Insurance is outside SEBI's purview.)
Unbiased Recommendations
No third-party payments. No product targets. Recommendations are driven purely by your risk profile and goals — verified, documented, and legally disclosed.
Tax-Efficient Investing
Advice on maximising after-tax returns using applicable exemptions and tax-efficient structures. (Tax filing and preparation are outside scope — consult a CA.)
Fee discussed at your free introductory consultation
Fixed Fee mode (SEBI IA Regulations). Max ₹1,51,000/yr per family. Banking channels only — no cash. Zero commissions accepted, ever.
Securities Research Services
As a SEBI Registered Research Analyst (INH000022710), we produce formal equity research reports built on the same financial modelling and analytical rigour applied in corporate boardrooms. Research is objective, fully disclosed, and SEBI-compliant — with no investment banking conflicts or brokerage incentives.
Securities Research & Fundamental Analysis
We apply the financial analysis discipline developed over 20 years in corporate FP&A to equity research. That means reading annual reports the way a finance director reads them, stress-testing valuations, and questioning the assumptions in every model — before issuing a formal, SEBI-compliant research report with a clear investment thesis.
Market & Economic Trend Analysis
We monitor and analyse macroeconomic indicators, sectoral developments, and market trends to provide timely insights that help investors anticipate changes and adjust their investment strategies accordingly.
Research Reports & Publications
Comprehensive research reports on companies, industries, and markets delivering clear and actionable insights. Our reports cover company performance, industry outlooks, and market forecasts to improve investors' portfolio strategies.
Investment Recommendations
Transparent, SEBI-compliant buy, hold, or sell recommendations backed by rigorous research and market insights. All recommendations include appropriate disclosures as required under SEBI (Research Analysts) Regulations, 2014.
Customized Research Solutions
Personalized research and targeted insights tailored to institutional and individual clients, enabling informed investment decisions. We provide focused analysis that supports your specific investment mandate.
Sector & Competitive Intelligence
In-depth analysis of sector headwinds and tailwinds based on policy changes, competitive dynamics, and industry trends. Our sector intelligence helps you identify opportunities and risks before the market does.
Research Analyst Disclosures
As required under SEBI (Research Analysts) Regulations, 2014: (1) The Research Analyst or its associates do not have any financial interest in subject companies. (2) The Research Analyst or its associates do not have actual/beneficial ownership of 1% or more securities of any subject company. (3) The Research Analyst does not receive any compensation from subject companies for investment banking or brokerage services. (4) Research Analyst has not served as officer, director, or employee of any subject company. (5) The Research Analyst is not engaged in market making activity for any subject company. Full standard disclosures are provided in each research report.
Ready to Invest With Someone Who Has No Conflict of Interest?
Book a free, no-obligation consultation. In 30 minutes you'll understand exactly what a fee-only financial plan looks like, what it costs, and whether it's the right fit for you — with no pressure and no pitch.
Book a Free Consultation