Hello My Name is
I am Fee Only SEBI RIA or there is a other name which is “no commission” advisor.
I am alumnus of National Institute of Securities Management, IIM Calcutta and Symbiosis Institute of Management Studies
Investing and Personal Finance is my passion since my childhood days..I started my journey when I was 14 yrs old ..after school I use to go to my Dad ‘s office and use to work with his CA to manage my father treasury operations of Business..from past 30 yrs the love affair with Investing and Personal Finance is still going strong.
Initially I dont want to make this my career as I got discouraged by brokerage and commission led structure of the business which leads to miselling and taking unnecessary risks on the capital , so I moved to corporate sector.
The only person who will take care of the OLDER YOU someday
is the YOUNGER YOU are TODAY
We believe in Transparency which means you get what you see!!
None of your Financial Planning work will be outsource or delegated
We Believe that Financial Advisory is not a Factory product which can be assembled in a same manner for everyone needs.
Financial Advisory is a very customized and specialized service as everyone has a different requirement needs.
What’s wrong if i am getting advice from Banks , Relationship Manager , Brokers , Mutual Fund Distributors or Insurance companies ?
The services offer by them are biased , are costly since their commissions and bonus come from your pockets and are not compliant with SEBI RIA regulations..so what appears Free service.. can turn out to be very expensive as one wrong investment product can push back your goals by years !
SALES ORIENTED PRODUCT SELLING
They focused on selling products which are good in enhancing their commissions and revenue rather than enhancing your wealth or suggest products which works for you.
We are Flat fee advisory and our only source of income is from you and we are not associated with any product sellers
NO HOLISTIC PRODUCTS KNOWLEDGE
All product sellers have specific knowledge about their own products only..for ex for mutual funds you will go to distributors , brokers will give you stock specfic knowledge , insurance agents about insurance and CA only about TAX planning ..so without holistic financial planning strategy you miss out on your goals and suffer financial by paying so many intermediaries.
On the other hand we give the centralized , tailor made and holistic solution to your financial worries
Impersonal and Temporary Relationship
When you are dealing with banks etc ..you are dealing with employees basically whose main job is to complete their sales targets and its the floating population as they keep on changing the job and you again at the mercy of new relationship mgr etc.
With ParamAsa ..you built a long term relationship who gives you customized and personalized solutions and as we are here to stay and guide you on your finances for life ..as this is not another job for us.!!