Fee-Only Financial and Investment Advisors in Noida

SEBI RIA registration is the first filter for paid investment advice. In Noida, that advice may involve RSUs, multiple home loans, private-sector benefits, or business cash flow, so it is important to know whether the advisor is being paid by you or by product distribution.

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.

Your advisor should help decide how much employer stock risk is sensible, when to sell, and how proceeds fit into goals such as a home loan, retirement, or children's education.

RSUs also need tax coordination: perquisite tax at vesting, capital gains at sale, foreign-asset disclosure, and repatriation paperwork where relevant. Keep a CA involved for filing and reporting.

Yes. The review should start with total EMI, remaining tenure, interest rates, rental income if any, and what happens if one income or bonus falls. That gives a better answer than looking at each loan separately.

A fee-only advisor can then compare prepayment, refinancing, keeping more liquidity, or investing outside property. The point is to avoid letting NCR real estate decide every other family goal.

Recheck pension assumptions, EPF/NPS contributions, employer medical cover, tax deductions, and insurance. A private-sector CTC may look higher but shift more responsibility to you.

A fee-only advisor can rebuild the plan around the new salary, benefits, and risk profile: emergency fund, health cover, retirement savings, and investments outside employer-linked benefits.

You may be missing an independent review. A bank RM can help execute bank products, but their menu is usually shaped by the bank's products and targets.

A fee-only advisor can check whether your insurance, mutual funds, deposits, and loans still fit your goals. The first useful output is often a keep/change/exit list, not a new investment.

Look for someone who can model the full balance sheet: home value, loans, rental income, equity, debt, insurance, and cash flow. They do not need to be a real estate broker.

Ask how they handle property-heavy NCR portfolios and whether they can compare loan prepayment, fresh investing, and liquidity needs in one plan. Verify SEBI RIA registration before engaging.

Usually, no. Your CA should handle accounting, tax, FEMA, GST, and export incentives. Your RIA should handle personal financial planning and investments.

The two should coordinate where business distributions, personal guarantees, or pledged assets affect the family plan. Keeping roles separate usually makes the advice cleaner.