I already have a CA, a banker, and a mutual fund distributor. Why do I need an Investment Adviser?

A SEBI Registered Investment Adviser is a fiduciary — bound by law to put your interest first. We don't sell products, we don't earn commissions. We charge a transparent fee and give advice that is yours alone.

Is the Diagnostic enough, or do I need the ELITE retainer?

The Diagnostic gives you complete clarity and a 12-month roadmap. It stands independently. ELITE exists for families who want someone to hold the structure, track the execution, and adjust the plan as life changes.

How is AZAD PARIVAAR ELITE different from a wealth management service at my bank or a large firm?

Three differences. We are fee-only — zero commissions, zero conflicts. You work directly with Prateek Singh Kumar, who holds CFA, CFP, CWM, CTEP, and CREP credentials. And our model is built on depth, not scale — we serve a small number of families deliberately.

I have investments across multiple platforms and advisors. Can you still help?

Yes. Fragmented wealth is the most common situation we see among successful professionals. We don't require you to move investments anywhere. We review what exists today, identify the structural gaps, and give you a clear plan to consolidate and optimize at your pace.

How do I get started?

Every journey begins with the Diagnostic. Submit your application online. Once reviewed, we share next steps — the Diagnostic agreement, fee payment details, and your Calendly booking link to schedule the session.

HOW I WORK

A Disciplined Architecture for Long-Term Wealth

I help successful professionals organize their entire financial life into a disciplined wealth structure that protects downside risk while allowing long-term growth.

Most investors swing between Fear (Gold/FDs) and Greed (return-chasing). I design 'ALL-WEATHER' portfolios and financial systems that remove that emotional cycle and keep families on a steady path to long-term wealth.

What makes my work hard to replace is the combination of deep credentials, lived market experience, and the ability to simplify complex financial lives into clear, disciplined structures.

That's why my practice is built on depth — a small number of families, application-only, fully fee-only.

HOW I WORK

A Disciplined Architecture for Long-Term Wealth

I help successful professionals organize their entire financial life into a disciplined wealth structure that protects downside risk while allowing long-term growth.

Most investors swing between Fear (Gold/FDs) and Greed (return-chasing). I design 'ALL-WEATHER' portfolios and financial systems that remove that emotional cycle and keep families on a steady path to long-term wealth.

What makes my work hard to replace is the combination of deep credentials, lived market experience, and the ability to simplify complex financial lives into clear, disciplined structures.

That's why my practice is built on depth — a small number of families, application-only, fully fee-only.

HOW I WORK

A Disciplined Architecture for Long-Term Wealth

I help successful professionals organize their entire financial life into a disciplined wealth structure that protects downside risk while allowing long-term growth.

Most investors swing between Fear (Gold/FDs) and Greed (return-chasing). I design 'ALL-WEATHER' portfolios and financial systems that remove that emotional cycle and keep families on a steady path to long-term wealth.

What makes my work hard to replace is the combination of deep credentials, lived market experience, and the ability to simplify complex financial lives into clear, disciplined structures.

That's why my practice is built on depth — a small number of families, application-only, fully fee-only.

OUR SERVICES

Two Ways to Work

With AZAD PARIVAAR™

Every advisory relationship begins with a diagnostic.

From there, families that need ongoing strategic oversight can continue with our ELITE retainer.

ONGOING ADVISORY

AZAD PARIVAAR™ ELITE

ANNUAL RETAINER · PRIVATE ADVISORY

For families where ongoing strategic oversight creates lasting value. ELITE is a long-term advisory partnership — covering your complete financial life, not just your portfolio.

WHAT'S INCLUDED

• Everything in the DIAGNOSTIC

• Insurance & Risk Management

• Financial Goals Planning

• Quarterly strategic reviews

• Periodic Portfolio Rebalancing

"ELITE is not a product.

It is a long-term relationship built around your family's complete financial life."

BEGIN WITH A DIAGNOSTIC

• Detailed FINANCIAL PLAN

• Tax Optimization Strategy

• Estate & Succession Planning

• Ongoing Portfolio Monitorng

• Priority access to your advisor

By Application

Fee discussed during diagnostic

• Everything in the DIAGNOSTIC

• Insurance & Risk Management

• Financial Goals Planning

• Quarterly strategic reviews

• Periodic Portfolio Rebalancing

• Detailed Financial Plan

• Tax Optimization Strategy

• Estate & Succession Planning

• Ongoing Portfolio Monitoring

• Priority access to your advisor

ENTRY POINT

Wealth & Legacy Diagnostic

ONE-TIME ENGAGEMENT · 90 MINUTES

A structured 90-minute deep dive into your complete financial life. We review everything — allocation, risk, protection, estate alignment, and long-term direction. You leave with absolute clarity and a 12-month strategic roadmap.

WHAT'S COVERED

• Complete wealth structure review

• Risk & protection gap assessment

• Liquidity & emergency capital review

DELIVERABLE

A detailed INVESTMENT PLAN — covering your current portfolio, recommended asset allocation, and a clear 12-month strategic roadmap.

APPLY FOR YOUR DIAGNOSTIC

• Asset allocation analysis

• Estate & nomination audit

• Behavioural risk profiling

One-time advisory fee

₹35,000

• Complete wealth structure review

• Risk & protection gap assessment

• Liquidity & emergency capital review

• Asset allocation analysis

• Estate & nomination audit

• Behavioural risk profiling

ENTRY POINT

Wealth & Legacy Diagnostic

ONE-TIME ENGAGEMENT · 90 MINUTES

A structured 90-minute deep dive into your complete financial life. We review everything — allocation, risk, protection, estate alignment, and long-term direction. You leave with absolute clarity and a 12-month strategic roadmap.

WHAT'S COVERED

• Complete wealth structure review

• Risk & protection gap assessment

• Liquidity & emergency capital review

DELIVERABLE

A detailed INVESTMENT PLAN — covering your current portfolio, recommended asset allocation, and a clear 12-month strategic roadmap.

APPLY FOR YOUR DIAGNOSTIC

• Asset allocation analysis

• Estate & nomination audit

• Behavioural risk profiling

₹35,000

One-time advisory fee

ONGOING ADVISORY

AZAD PARIVAAR™ ELITE

ANNUAL RETAINER · PRIVATE ADVISORY

For families where ongoing strategic oversight creates lasting value. ELITE is a long-term advisory partnership — covering your complete financial life, not just your portfolio.

WHAT'S INCLUDED

• Everything in the DIAGNOSTIC

• Insurance & Risk Management

• Financial Goals Planning

• Quarterly strategic reviews

• Periodic Portfolio Rebalancing

"ELITE is not a product.

It is a long-term relationship built around your family's complete financial life."

BEGIN WITH A DIAGNOSTIC

• Detailed FINANCIAL PLAN

• Tax Optimization Strategy

• Estate & Succession Planning

• Ongoing Portfolio Monitoring

• Priority access to your advisor

By Application

Fee discussed during diagnostic

DIAGNOSTIC VS ELITE

Which Is Right for You?

Frequently asked questions (FAQs)

General

Your CA optimises your taxes. Your banker sells you products his bank approves. Your distributor earns commission on what he recommends. None of them is legally required to act in your interest alone. A SEBI Registered Investment Adviser is a fiduciary — bound by law to put your interest first, every time. We don't sell products. We don't earn commissions. We charge you a transparent fee and give you advice that is yours alone.

It's a structured 90-minute conversation on Zoom where we review your complete financial life — not just your investments. We map your wealth across three layers: Liquidity, Stability, and Growth. We identify gaps in protection, asset allocation, estate planning, and retirement readiness. By the end, you have a clear picture of where you stand and what needs to change. It's a perspective most families experience for the first time — the complete financial picture in one place.

Because the decisions that come out of this session affect crores of capital across decades. The Diagnostic isn't a conversation — it's a structured strategic review delivered by a CFA®, CFP®, CWM®, CTEP™, CREP® - qualified adviser with 15 years of experience. The cost of one unstructured financial decision is usually far higher. For most families, the structural decisions that emerge are worth multiples of the fee.

The Diagnostic gives you complete clarity and a 12-month roadmap. It stands independently. However, most families find that implementing and maintaining a financial structure alongside a full-time career is where the real challenge lies. ELITE exists for families who want someone to hold the structure, track the execution, and adjust the plan as life changes. The Diagnostic tells you what to do. ELITE makes sure it actually gets done.

Three fundamental differences. One — we are fee-only. We earn nothing from the products we recommend. Zero commissions. Zero conflicts. Two — you work directly with Prateek Singh Kumar, a CFA®, CFP®, CWM®, CTEP™ and CREP® credentials, not a rotating relationship manager. Three — our model is built on depth, not scale. We serve a small number of families deliberately, which means you always get focused, senior-level attention.

All client information is treated with the highest level of confidentiality and is governed by SEBI (Investment Advisers) Regulations, 2013, and the Digital Personal Data Protection Act, 2023. We do not share, sell, or distribute your personal or financial data with any third party. All digital agreements are executed through legally valid e-Sign platforms. Our complete regulatory disclosures are available at azadparivaar.com/sebi-disclosures.

For the Diagnostic — no minimum. It is open to anyone who wants clarity on their financial structure. For ELITE — the minimum engagement fee is ₹1,00,000 per year, which typically aligns with families having ₹1 Crore or more in investible assets. However, we evaluate every application individually. What matters more than portfolio size is your commitment to building a structured financial life — and our confidence that the value we deliver will exceed the fee you pay.

Everything you need to know before you begin.

Frequently asked questions (FAQs)

General

Your CA optimises your taxes. Your banker sells you products his bank approves. Your distributor earns commission on what he recommends. None of them is legally required to act in your interest alone. A SEBI Registered Investment Adviser is a fiduciary — bound by law to put your interest first, every time. We don't sell products. We don't earn commissions. We charge you a transparent fee and give you advice that is yours alone.

It's a structured 90-minute conversation on Zoom where we review your complete financial life — not just your investments. We map your wealth across three layers: Liquidity, Stability, and Growth. We identify gaps in protection, asset allocation, estate planning, and retirement readiness. By the end, you have a clear picture of where you stand and what needs to change. It's a perspective most families experience for the first time — the complete financial picture in one place.

Because the decisions that come out of this session affect crores of capital across decades. The Diagnostic isn't a conversation — it's a structured strategic review delivered by a CFA®, CFP®, CWM®, CTEP™, CREP® - qualified adviser with 15 years of experience. The cost of one unstructured financial decision is usually far higher. For most families, the structural decisions that emerge are worth multiples of the fee.

The Diagnostic gives you complete clarity and a 12-month roadmap. It stands independently. However, most families find that implementing and maintaining a financial structure alongside a full-time career is where the real challenge lies. ELITE exists for families who want someone to hold the structure, track the execution, and adjust the plan as life changes. The Diagnostic tells you what to do. ELITE makes sure it actually gets done.

Three fundamental differences. One — we are fee-only. We earn nothing from the products we recommend. Zero commissions. Zero conflicts. Two — you work directly with Prateek Singh Kumar, a CFA®, CFP®, CWM®, CTEP™ and CREP® credentials, not a rotating relationship manager. Three — our model is built on depth, not scale. We serve a small number of families deliberately, which means you always get focused, senior-level attention.

All client information is treated with the highest level of confidentiality and is governed by SEBI (Investment Advisers) Regulations, 2013, and the Digital Personal Data Protection Act, 2023. We do not share, sell, or distribute your personal or financial data with any third party. All digital agreements are executed through legally valid e-Sign platforms. Our complete regulatory disclosures are available at azadparivaar.com/sebi-disclosures.

For the Diagnostic — no minimum. It is open to anyone who wants clarity on their financial structure. For ELITE — the minimum engagement fee is ₹1,00,000 per year, which typically aligns with families having ₹1 Crore or more in investible assets. However, we evaluate every application individually. What matters more than portfolio size is your commitment to building a structured financial life — and our confidence that the value we deliver will exceed the fee you pay.

GET STARTED

Every Journey Begins with a Diagnostic

Whether you're looking for a one-time clarity session or a long-term advisory partnership — it all starts here.

APPLY FOR YOUR WEALTH DIAGNOSTIC

Frequently asked questions (FAQs)

General

Your CA optimises your taxes. Your banker sells you products his bank approves. Your distributor earns commission on what he recommends. None of them is legally required to act in your interest alone. A SEBI Registered Investment Adviser is a fiduciary — bound by law to put your interest first, every time. We don't sell products. We don't earn commissions. We charge you a transparent fee and give you advice that is yours alone.

It's a structured 90-minute conversation on Zoom where we review your complete financial life — not just your investments. We map your wealth across three layers: Liquidity, Stability, and Growth. We identify gaps in protection, asset allocation, estate planning, and retirement readiness. By the end, you have a clear picture of where you stand and what needs to change. It's a perspective most families experience for the first time — the complete financial picture in one place.

Because the decisions that come out of this session affect crores of capital across decades. The Diagnostic isn't a conversation — it's a structured strategic review delivered by a CFA®, CFP®, CWM®, CTEP™, CREP® - qualified adviser with 15 years of experience. The cost of one unstructured financial decision is usually far higher. For most families, the structural decisions that emerge are worth multiples of the fee.

The Diagnostic gives you complete clarity and a 12-month roadmap. It stands independently. However, most families find that implementing and maintaining a financial structure alongside a full-time career is where the real challenge lies. ELITE exists for families who want someone to hold the structure, track the execution, and adjust the plan as life changes. The Diagnostic tells you what to do. ELITE makes sure it actually gets done.

Three fundamental differences. One — we are fee-only. We earn nothing from the products we recommend. Zero commissions. Zero conflicts. Two — you work directly with Prateek Singh Kumar, a CFA®, CFP®, CWM®, CTEP™ and CREP® credentials, not a rotating relationship manager. Three — our model is built on depth, not scale. We serve a small number of families deliberately, which means you always get focused, senior-level attention.

All client information is treated with the highest level of confidentiality and is governed by SEBI (Investment Advisers) Regulations, 2013, and the Digital Personal Data Protection Act, 2023. We do not share, sell, or distribute your personal or financial data with any third party. All digital agreements are executed through legally valid e-Sign platforms. Our complete regulatory disclosures are available at azadparivaar.com/sebi-disclosures.

For the Diagnostic — no minimum. It is open to anyone who wants clarity on their financial structure. For ELITE — the minimum engagement fee is ₹1,00,000 per year, which typically aligns with families having ₹1 Crore or more in investible assets. However, we evaluate every application individually. What matters more than portfolio size is your commitment to building a structured financial life — and our confidence that the value we deliver will exceed the fee you pay.

Every Journey Begins

with a Diagnostic

GET STARTED

Whether you're looking for a one-time clarity session or a long-term advisory partnership

— it all starts here.

APPLY FOR YOUR WEALTH DIAGNOSTIC

DIAGNOSTIC VS ELITE

Which Is Right for You?

ONGOING ADVISORY

AZAD PARIVAAR™ ELITE

ANNUAL RETAINER · PRIVATE ADVISORY

For families where ongoing strategic oversight creates lasting value. ELITE is a long-term advisory partnership — covering your complete financial life, not just your portfolio.

WHAT'S INCLUDED

• Everything in the DIAGNOSTIC

• Insurance & Risk Management

• Financial Goals Planning

• Quarterly strategic reviews

• Periodic Portfolio Rebalancing

"ELITE is not a product.

It is a long-term relationship built around your family's complete financial life."

BEGIN WITH A DIAGNOSTIC

• Detailed FINANCIAL PLAN

• Tax Optimization Strategy

• Estate & Succession Planning

• Ongoing Portfolio Monitorng

• Priority access to your advisor

By Application

Fee discussed during diagnostic

• Everything in the DIAGNOSTIC

• Insurance & Risk Management

• Financial Goals Planning

• Quarterly strategic reviews

• Periodic Portfolio Rebalancing

• Detailed FINANCIAL PLAN

• Tax Optimization Strategy

• Estate & Succession Planning

• Ongoing Portfolio Monitoring

• Priority access to your advisor

ENTRY POINT

Wealth & Legacy Diagnostic

ONE-TIME ENGAGEMENT · 90 MINUTES

A structured 90-minute deep dive into your complete financial life. We review everything — allocation, risk, protection, estate alignment, and long-term direction. You leave with absolute clarity and a 12-month strategic roadmap.

• Complete wealth structure review

• Risk & protection gap assessment

• Liquidity & emergency capital review

DELIVERABLE

A detailed INVESTMENT PLAN — covering your current portfolio, recommended asset allocation, and a clear 12-month strategic roadmap.

APPLY FOR YOUR DIAGNOSTIC

• Asset allocation analysis

• Estate & nomination audit

• Behavioural risk profiling

₹35,000

One-time advisory fee

WHAT'S COVERED

• Complete wealth structure review

• Risk & protection gap assessment

• Liquidity & emergency capital review

• Asset allocation analysis

• Estate & nomination audit

• Behavioural risk profiling

A Disciplined Architecture for Long-Term Wealth

A Disciplined Architecture for Long-Term Wealth

A Disciplined Architecture for Long-Term Wealth

Frequently asked questions (FAQs)

Q1. I already have a CA, a banker, and a mutual fund distributor. Why do I need an Investment Adviser?

Q2. What exactly happens in the Diagnostic session?

Q3. Why does the Diagnostic cost ₹35,000?

Q4. Is the Diagnostic enough, or do I need the ELITE retainer?

Q5. How is AZAD PARIVAAR™ ELITE different from a wealth management service at my bank or a large firm?

Q6. What is the fee for ELITE and how is it structured?

Q7. I have investments across multiple platforms and advisors. Can you still help?

Q8. How do I know my information is safe and confidential?

Q9. Do I need a minimum portfolio size to work with you?

Q10. How do I get started?

Frequently asked questions (FAQs)

Q1. I already have a CA, a banker, and a mutual fund distributor. Why do I need an Investment Adviser?

Q2. What exactly happens in the Diagnostic session?

Q3. Why does the Diagnostic cost ₹35,000?

Q4. Is the Diagnostic enough, or do I need the ELITE retainer?

Q5. How is AZAD PARIVAAR™ ELITE different from a wealth management service at my bank or a large firm?

Q6. What is the fee for ELITE and how is it structured?

Q7. I have investments across multiple platforms and advisors. Can you still help?

Q8. How do I know my information is safe and confidential?

Q9. Do I need a minimum portfolio size to work with you?

Q10. How do I get started?

Frequently asked questions (FAQs)

Q1. I already have a CA, a banker, and a mutual fund distributor. Why do I need an Investment Adviser?

Q2. What exactly happens in the Diagnostic session?

Q3. Why does the Diagnostic cost ₹35,000?

Q4. Is the Diagnostic enough, or do I need the ELITE retainer?

Q5. How is AZAD PARIVAAR™ ELITE different from a wealth management service at my bank or a large firm?

Q6. What is the fee for ELITE and how is it structured?

Q7. I have investments across multiple platforms and advisors. Can you still help?

Q8. How do I know my information is safe and confidential?

Q9. Do I need a minimum portfolio size to work with you?

Q10. How do I get started?