Financial planning that understands money, and the mind behind it
Fee-only, comprehensive financial planning from a CFP® professional and SEBI-registered Investment Adviser, with 20 years in financial services and a master's in psychology.
For Doctors
planning that accounts for a later start in earning, income from several sources and limited time.
For Single Parents
Financial planning for one-income households, focused on protecting your children, achieving financial independence, and securing your family's future.
For Individuals & Families
retirement, goals, investments, insurance and estate, joined up in one plan.
Meet Abubakr Siddique, CFP®
Raised by a single mother, I learned early that money decisions are never just about numbers. Over 20 years in financial services, a master's in psychology and a CFP® certification, I've built my practice on one idea: understand the person, then plan the money.
- CFP® professional
- SEBI-registered Investment Adviser Reg. No. INA200000910
- Master's in psychology
- 20 years in financial services
My Approach
- Goals first: we start with what you want your money to do, then decide how to invest.
- The whole picture: cash flow, protection, investments, retirement and estate, planned together.
- Behaviour matters: plans built for how you really decide, not for a perfect investor.
- Simple and diversified: portfolios built from straightforward, diversified investments you can understand.
My Process
- Discovery call
- Agreement and onboarding
- Data gathering and risk profiling
- Your written plan
- Implementation and ongoing reviews
Who I Work With
- Doctors
- Single parents
- Individuals and families who want one advisor for their whole financial life
Who are my customers
- Who Value professional, personalised investment advice and comprehensive financial planning.
- Prefer a disciplined, long-term investment strategy not reacting to daily market movements.
- Want to make informed financial decisions based on your goals, risk profile, time horizon, and overall financial position.
What I Don't Do
I may not be the right fit if you want stock tips or trading calls, promised returns, or a fund list without a plan.
No Trading Calls or Intraday Tips
- No Trading Calls or Intraday Tips
- No Futures and Options (F&O) Tips
No Direct Equity
I do not recommend investments in specific equity stocks. Whatever equity exposure is recommended is normally in a basket of securities like mutual funds / ETFs / index Funds or a carefully curated list of PMS.
No complicated structured products
I do not recommend complicated structured products to any of our clients; at whatever level they are. Our analysis is that such products never benefit the investor, but only the manufacturer of such products.
No crypto or unregulated schemes
I do not recommend investment in fancy products like BitCoin, MLM, etc.
No Get-Rich-Quick Promises
I do not recommend any investment that promises unrealistic high returns, that simply seem too good to be true.
No Real Estate Investment Advisory
I do not provide specialised real estate investment advisory, property-dealing services, property brokerage or recommendations to buy and sell specific properties.
No fund list without a plan
I do not provide a list of funds without a written financial plan behind it.
Why Work with Me
- Fee-only: paid by you, never by product commissions.
- Psychology and finance: advice that accounts for emotions and habits, not just spreadsheets.
- Direct access: you work with me at every advisory step.
- Transparent: a written agreement and a clear fee.
Fee Structure
| Your family's financial assets | Fee (excluding GST) |
|---|---|
| Up to ₹50 lakh | ₹40,000 in year 1, then ₹30,000 a year |
| ₹50 lakh – ₹1 crore | 0.75% a year (minimum ₹40,000) |
| ₹1 crore – ₹2 crore | 0.60% a year (minimum ₹75,000) |
| ₹2 crore – ₹5 crore | 0.50% a year (minimum ₹1,20,000) |
| Above ₹5 crore | By agreement |
Let's start with a conversation
A 30-minute discovery call to see if we're the right fit.
Book a discovery call