SEBI-Registered RIAs · Ludhiana

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₹2,400 Cr+
Family wealth advised across our network
SEBI
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100%
Fee-only advisors

How much commission do you pay?iThis chart assumes a 1% annual trail commission on the total portfolio value — a common rate in the industry. Over a 10-year horizon with ₹50L starting corpus and ₹12L added each year, this compounds to a significant sum.

This is not about discouraging distributor relationships — it's about helping you understand the value behind what you pay, so you can have confident, informed conversations with your advisor about the quality of advice you receive in return.

₹50L corpus · +₹12L/yr · 10 year horizon · 12% growth

₹3.91 Cr
Final corpus
₹0L
Paid in hidden commissions
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— Ludhiana Context

Ludhiana wealth often sits inside the business before it reaches the portfolio.

In Ludhiana, many families earn through manufacturing, trading, land, and overseas family links. The planning challenge is usually separation: business cash flow, family assets, and personal investments need clear boundaries.

01 🏭

Manufacturing families need personal money outside the business

Hosiery, bicycle, and machine-tool businesses often absorb every surplus back into stock, receivables, or expansion. A useful financial plan creates a personal salary, household reserve, insurance structure, and investment portfolio that can survive a weak business cycle.

02 💰

Agricultural land needs to be treated as part of net worth

Ancestral land can be emotionally important, valuable, and hard to divide cleanly. It should be included in the family balance sheet, but not treated like liquid capital. Succession, partition, and sale decisions need legal and tax input alongside investment planning.

03 🌍

Canada and UK family links add paperwork to money decisions

When family members live abroad but assets remain in Punjab, the India-side work matters: NRE/NRO accounts, property income, repatriation documents, and coordination with overseas tax advice. The advisor should know where investment advice ends and CA or legal advice begins.

04 📊

Trading surpluses can attract complicated products

Business owners are often shown guaranteed plans, PMS pitches, or structured products when they have spare cash. A fee-only review helps compare those choices against simpler alternatives, liquidity needs, and the family's actual risk capacity.

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— Advisor Directory

SEBI-registered, fee-only financial advisors serving Ludhiana.

Every financial advisor listed below holds an active SEBI Registered Investment Advisor registration.

Note: Not all the advisors listed below are active on Foliyo currently.

2G
21G Investment Advisers Private Limited
SEBI RIA
Ludhiana
SEBI Reg INA000017231   Verify ↗
Website 21ginvestments.com ↗
Email info@21ginvestments.com
Financial Planning Wealth Management Corporate
CP
Chander P Chellani
SEBI RIA
Ludhiana
SEBI Reg INA000017851   Verify ↗
Email cchellani@yahoo.co.in
Financial Planning IDA Wealth Proprietorship
FI
Findoc Investmart Private Limited
SEBI RIA
Ludhiana
SEBI Reg INA000019637   Verify ↗
Email ns@myfindoc.com
Financial Planning Investment Advisory Corporate
GM
Good Moneying Wealth Planners Private Limited
SEBI RIA
Ludhiana
SEBI Reg INA000018744   Verify ↗
Website goodmoneying.com ↗
Email mks@goodmoneying.com
Financial Planning Wealth Management Corporate
GK
Gulshan Khera
SEBI RIA
Ludhiana
SEBI Reg INA100011988   Verify ↗
Email thegkbull@gmail.com
Financial Planning
HM
Himanshu Mahajan
SEBI RIA
Ludhiana
SEBI Reg INA100008425   Verify ↗
Email himanshumahajan0293@gmail.com
Financial Planning
MA
Modulor Advisory Services
SEBI RIA
Ludhiana
SEBI Reg INA100015115   Verify ↗
Email modulor.capital@gmail.com
Financial Planning Investment Advisory
SW
Samar Wealth Advisors
SEBI RIA
Ludhiana
SEBI Reg INA000019345   Verify ↗
Email wadhwa.raghav@yahoo.com
Financial Planning Wealth Management

Verify any advisor's registration status on SEBI's Intermediary Portal ↗ before engaging. Foliyo AI is a matching platform — we are not a registered investment adviser.

— Common Questions

Questions Ludhiana families ask most.

About Fee-Only Advisors

Why does SEBI RIA registration matter for Ludhiana business families?
A SEBI-registered investment adviser is regulated to give paid investment advice. For Ludhiana families, the practical point is simple: when business cash, land, and personal investments overlap, you want advice that is paid for directly and not influenced by product commissions.
How much does a fee-only advisor charge?
Advisors may charge a fixed fee for a plan, an annual retainer, or a percentage of assets advised. For business owners, the scope matters: a simple portfolio review is different from separating business and personal finances. Ask for a written fee note and what is included in each review.
What does Foliyo verify before listing an advisor?
Foliyo checks SEBI registration, fee structure, engagement documents, and whether the advisor's process fits the user's need. Registration status can change, so verify the advisor again on SEBI's portal before signing or paying.
I already have a distributor managing my investments. Can I still use Foliyo?
Yes. You can use Foliyo for a second opinion without immediately changing the relationship. This is common when a family wants someone independent to review insurance policies, PMS proposals, or mutual fund portfolios already set up through a bank or distributor.

Ludhiana-Specific Questions

I run a hosiery or manufacturing business in Ludhiana. How does a fee-only advisor help separate personal and business finances?
The first step is to draw a line between business liquidity and family wealth. A fee-only advisor can help decide a reasonable personal salary, build a household emergency corpus, review insurance, and invest surplus outside the business. Your CA should still handle business structure and tax treatment.
Our family has agricultural land in Punjab. How does a fee-only advisor factor this into financial planning?
Land should be captured in the family net worth statement, but treated separately from liquid investments. If a sale, partition, or inheritance is being discussed, the advisor can model the financial impact while a lawyer and CA handle title, tax, and documentation.
My family has members in Canada or the UK. What should I know about managing investments across borders?
On the India side, check account type, property income, nominee details, and repatriation documentation. A fee-only RIA can coordinate the investment plan with an Indian CA, while the Canada or UK tax filing should be handled by a professional in that country.
How do I know if an investment advisor in Ludhiana is actually SEBI-registered?
Search the advisor's name or registration number on SEBI's Intermediary Portal and check that the status is active. Do this even if the advisor came through a referral. Before paying, also ask for the engagement agreement, fee schedule, and the legal entity that will invoice you.
What does a fee-only financial advisor in Ludhiana typically charge?
A basic plan may be a fixed fee. Ongoing portfolio review may be an annual retainer or AUM-based fee. Work involving business succession, land sale proceeds, or NRI coordination may be priced separately. Get the scope and fee in writing before the engagement starts.
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