Starting out on your career
The habits set in the first five earning years matter more than any fund choice made later. We focus on an emergency fund, adequate term cover and a first SIP you can sustain — before anything clever.
Different stages, different questions
We work with individuals and families only. The plan changes shape depending on where you are standing — these are the situations we see most often.
Established career
Rising income has a way of turning into rising lifestyle. The work here is making sure the surplus is deployed deliberately rather than left drifting in a savings account, and that the plan scales with your income.
Just married
Two sets of finances becoming one. Joint goals, honest conversations about risk appetite, nominations updated, and cover reviewed now that someone depends on your income.
Planning for children
Education costs inflate faster than almost anything else. Costing the goal early — in the rupees of the year it falls due — is what makes it affordable later, rather than a loan taken in a hurry.
Nearing retirement, or retired
The shift from accumulation to drawdown. Sizing the corpus, reducing risk on a glide path, and building a withdrawal plan that pays monthly without exhausting the pot.
Changed circumstances
A job change, an inheritance, a separation, a health event or a move abroad. Plans need re-cutting when life does, and the worst time to improvise is right after the change.
Non-Resident Indians
NRE/NRO route investing, FATCA and repatriation, tax residency questions and reviews across time zones — for investors in more than ten countries.
One thing we do not do
We don’t work with companies or trusts
It is a deliberate choice rather than a limitation. Corporate mandates are larger and more lucrative, but they change what a practice becomes: more layers, more delegation, less of the founder in every conversation.
Staying with individuals and families keeps the practice small enough that Job J Neroth remains personally involved in every relationship — which is the whole reason most of our clients came to us in the first place.
Talk to us
Next step
Which of these sounds like you?
Tell us where you are and what is worrying you. We will tell you what is worth doing first.