Fee-Only Financial and Investment Advisors in Jaipur

SEBI RIA registration is the basic check when you are paying for investment advice. In Jaipur, where wealth may sit in a business, jewellery inventory, inherited property, or HUF assets, you want the advisor's role and fee to be clear before they review the family balance sheet.

Fee structures vary by advisor and complexity of your financial situation. Common models include:

• A fixed fee (typically ₹25,000 – ₹1,00,000 a year)
• An AUM-based fee (typically 0.5% – 1% of assets advised per year; SEBI caps fees at ₹1,51,000 a year per family in the fixed-fee mode, or 2.5% of assets under advice in the AUM mode)
• A fixed project fee for one-time plans or specific decision support

In all cases, the fee is transparent, agreed upon before engagement, and paid directly by you. Ask any adviser to explain their fee structure in writing before you engage.

Every adviser on this page holds a SEBI Investment Adviser registration, and each registration number was checked against SEBI's register of investment advisers on 11 Oct 2026. The advisers listed are independent firms, not part of Foliyo, and a listing is not a recommendation or an endorsement of performance. Before you engage anyone, verify the registration on SEBI's portal yourself and ask for the advisory agreement and fee schedule in writing.

Absolutely. Many users come to Foliyo while still working with a distributor. A fee-only RIA can work alongside your existing setup, provide a second opinion, help you transition gradually, or take over comprehensive planning. The introductory call is a good place to discuss your current situation and what a transition might look like — there is no obligation to make immediate changes.

Start with a family balance sheet: HUF assets, firm ownership, personal investments, property, insurance, and liabilities. A fee-only advisor can organise this picture and identify where succession, nomination, or ownership records need attention.

The legal and tax work still belongs with a lawyer and CA. The advisor's role is to connect those decisions to liquidity, investment allocation, and income needs for the family.

A jewellery or gems business can have strong inventory and weak personal liquidity at the same time. Export receipts, GST cycles, and working capital needs should be separated from money available for the family's goals.

A fee-only advisor can help decide how much surplus should leave the business, how much buffer the family needs, and how to invest personal money without starving the business of capital.

Treat the land as part of net worth, but not as liquid capital. Many inherited parcels have old records, unclear cost history, or multiple family owners, so any sale or conversion needs planning before a buyer appears.

A fee-only advisor can model what happens if the family holds, leases, sells, or reinvests proceeds. The tax and title questions should be checked with a CA and property lawyer.

Yes, some fee-only advisors work with NRI families, but ask about the exact experience you need. A Gulf family with remittances, a US resident inheriting property, and a returning NRI all have different account and tax questions.

On the India side, the advisor can help with NRE/NRO structure, investment allocation, property cash flows, and repatriation planning. Foreign tax advice should come from a professional in the relevant country.

A bank RM usually works inside the bank's product ecosystem: deposits, insurance, loans, and mutual funds available through the bank. That can be useful for execution, but it is not the same as an independent family plan.

A fee-only advisor is paid by you to review the full picture: business assets, property, insurance, deposits, funds, debt, and succession needs. The difference is most visible when the right answer is to simplify or wait, not buy a new product.

First separate the legal question from the financial question. Title, family settlement, stamp duty, and transfer documents need a property lawyer. Tax treatment needs a CA.

The advisor can then compare the money outcomes: keep it as a family asset, lease it, sell it, or redevelop it. That decision should fit the family's cash-flow needs and not be rushed just because the property is valuable on paper.