About Fiduciary First Advisory

Built on one idea: advice should answer only to you.

Fiduciary First Advisory is an independent, fee-only practice founded on the belief that financial guidance should be free of conflicts — and built entirely around the people it serves.

Advisor portrait
SEBI RIA NISM XA & XB Account Management SRE & Data Analysis

Meet your advisor

From data and systems to financial planning — always on the client's side.

My professional background spans Account Management, Site Reliability Engineering, and Data Analysis. Across those roles, one thing was consistent: the best outcomes came from understanding a client's real problem, building reliable systems around it, and letting data drive the decision — not gut instinct, not incentives.

Alongside my career, I have been an active personal investor — living through the COVID crash of 2020, the rate-driven sell-offs of 2022, and the volatility that followed. I did not just read about these events in hindsight. I watched portfolios move in real time, felt the urge to panic-sell, and learnt — sometimes the hard way — what actually matters in a long-term financial plan.

That market experience, combined with a data analyst's instinct for evidence over noise, is what shapes how I approach planning at Fiduciary First Advisory. NISM XA & XB certified, SEBI registered, and entirely fee-only — so the only thing guiding my advice is what is right for you.

"I have sat through the same market crashes your portfolio will face. That experience doesn't make me a hero — it makes me someone who won't panic alongside you."

Why I started

This wasn't a career pivot.
It was an inevitability.

I have always been drawn to how economies work — not as a subject, but as something alive. Why does the RBI changing a rate number in a press release make your EMI more expensive six months later? Why does a budget speech in Parliament move markets before the Finance Minister has even finished speaking? I found myself reading about this stuff voluntarily, late at night, for years, long before I ever considered becoming an adviser.

Working in tech made it more concrete. I was surrounded by sharp, well-earning people — engineers, product managers, data analysts — who were completely lost when it came to their own money. Not because they were careless. Because no one had ever explained it to them without trying to sell them something at the same time.

I watched colleagues jump into stocks, F&O, and crypto based on WhatsApp tips and YouTube reels — genuinely excited, genuinely uninformed. Some got lucky. Most didn't. A few got seriously hurt. And almost none of them had a financial plan that connected their income to their actual life goals.

That gap — between what people earn and what they understand about their own money — is exactly where I want to work. Not because it is a business opportunity, but because I know what it is like to be on the other side of it.

Economics & policy

RBI decisions and their real-world ripple

Rate changes, CRR, liquidity operations — I follow these not because I have to, but because understanding the plumbing of monetary policy is what separates a plan that holds up from one that doesn't.

Budget & fiscal policy

How a budget speech moves markets before it ends

Every Union Budget, I read the fine print — tax slab changes, LTCG amendments, capital allocation. The market moves on headlines; good planning moves on the actual text.

Global macro

Fed decisions, inflation, and currency wars

What the US Fed does affects Indian debt markets, your EMI, and your portfolio. Following global macro isn't exotic — for anyone with investments, it is basic context.

What I saw in tech offices

Colleagues investing without understanding what they owned

Engineers earning well, investing confidently, and often having no idea why they owned what they owned. No plan. No goal. Just noise. That picture is still in my head every time I sit with a new client.

The deeper why

Good advice should not require a commission to exist

Most people in India receive financial advice only from people who earn money when they say yes. I want to be the person you can call without wondering what I get out of it. That is worth building from scratch.

What we believe

The principles behind every recommendation.

These aren't marketing lines — they're the filter every decision passes through.

Fiduciary, without exception

Every recommendation is legally and ethically required to serve your best interest — not the firm's, not a product manufacturer's.

Patience over performance theatre

We don't chase headlines or trends. Good financial planning is steady, evidence-based, and rarely exciting — by design.

Radical transparency

Clear fees, clear reasoning, clear documentation. You should never have to wonder what you're paying for or why.

A relationship, not a portfolio

We get to know your full life — career, family, fears, ambitions — because numbers alone don't make a complete plan.

Holistic, not siloed

Investments, tax, retirement, and estate are coordinated together — because they were never really separate problems.

Accountability you can measure

Regular reviews, clear benchmarks, and honest conversations — including when a plan needs to change.

The journey

Built on real-world experience.

A career path that connects data, systems, and client relationships — directly to financial planning.

Role 1

Account Management

Managed client relationships end-to-end — understanding goals, setting expectations, resolving issues, and building long-term trust. This is where I learnt that the best service is proactive, not reactive.

Role 2

Site Reliability Engineering

Designed and maintained reliable systems under real-world conditions. SRE taught me to think in failure modes, build in redundancy, and never trust a plan that hasn't been stress-tested — principles that apply directly to financial planning.

Role 3

Data Analysis

Turned raw data into actionable insights, built dashboards, and helped teams make decisions based on evidence rather than assumptions. This is the lens I bring to every portfolio and financial plan.

NISM

NISM XA & XB — Investment Adviser Certifications

Cleared NISM Series XA (Investment Adviser Level 1) and XB (Investment Adviser Level 2) — the mandatory SEBI-prescribed qualifications covering investment products, risk profiling, financial planning, and advisory regulation.

SEBI

Registered with SEBI as an Investment Adviser

Obtained SEBI RIA registration, fulfilling all regulatory requirements. A formal fiduciary commitment — legally required to act in the client's best interest at all times.

Now

Fiduciary First Advisory — launched

Beginning the RIA journey with the right foundation: a career built on client relationships, data, and reliable systems — now applied to helping people build financial security, one plan at a time.

Real market experience

I have been through the chaos. Here is what it taught me.

As a personal investor, I lived through some of the most turbulent market events of the last decade — not as a spectator reading reports, but watching my own portfolio move in real time. Each episode was an education that no textbook fully prepares you for.

March 2020

The COVID Crash

Markets fell 35–40% in weeks. Every news headline was catastrophic. The instinct to sell everything and wait for "clarity" was overwhelming — and felt completely rational at the time.

Clarity never comes. The clients who stayed invested recovered fully. The ones who sold locked in losses and missed the recovery. Time in the market beat timing the market — again.
2022

The Rate Hike Sell-off

Global central banks raised rates aggressively. Growth stocks, bonds, and even "safe" assets fell simultaneously. The classic 60/40 portfolio had one of its worst years in decades.

Diversification is not just across assets — it is across timelines and goals. A plan built only for calm conditions is not a plan. Stress-testing assumptions matters as much as optimising returns.
Ongoing

The Noise Machine

Every week brings new predictions: recession, rally, bubble, opportunity. Experts confidently contradict each other. Social media turns every market move into a crisis or a fortune.

The investor who ignores most of the news and sticks to a written plan consistently outperforms the one reacting to every headline. A good plan should be boring to maintain — that is the point.
Every Crash

The Panic Urge is Real

I felt it personally — the visceral discomfort of watching numbers fall and the voice saying "just sell now, buy back cheaper later." It is not a weakness. It is human biology responding to perceived loss.

The adviser's job is not to predict markets — it is to help you not sabotage your own plan when emotions are running high. Having someone to call matters enormously in those moments.
Bull Runs

Overconfidence in Good Times

When markets rise for years, everything feels easy. Risk feels irrelevant. Leverage looks attractive. People start confusing a rising market with personal investing genius.

Risk profiling done in a bull market is almost always too aggressive. A plan that only works when markets cooperate is not a plan — it is a bet. Real planning accounts for what happens when things go wrong.
Always

The Long Game Wins

Compounding works — but only if you stay invested. The mathematical reality of long-term wealth building is straightforward. The behavioural challenge of actually executing it is where most investors fall short.

The most valuable thing a financial plan does is give you a written reason to stay invested when everything inside you is telling you to stop. That reason has to be built before the crisis — not during it.
Important context: These are personal experiences and learnings as an investor and market observer — not as a portfolio manager or as advice about past or future market performance. Past market behaviour does not guarantee future results. All financial planning at Fiduciary First Advisory is based on your individual risk profile, goals, and circumstances, not on market predictions.

Our regulatory standing

Fiduciary First Advisory is registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser (Registration No. INA000XXXXXX). This registration requires us to act as a fiduciary at all times and to disclose any potential conflicts of interest.

Registration with SEBI does not imply any certain level of skill or training. We encourage every prospective client to review our regulatory filings before engaging our services.

Read our ADV Part 2A disclosure →

How we're compensated

Fiduciary First Advisory operates on a fee-only basis. We do not accept commissions, referral fees, or any compensation from mutual funds, insurance providers, or other financial product manufacturers.

Every client pays the same fee — a flat onboarding fee when they join, followed by a fixed quarterly payment thereafter. There is no tiered pricing, no percentage of assets managed, and no additional charges for individual services. Pricing is subject to revision with prior written notice.

View our fee structure →

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