Fee-Only Financial and Investment Advisors in Surat

SEBI RIA registration confirms that the person is regulated to give paid investment advice. For Surat families with diamond, textile, or export income, this matters because the first discussion should be about cash flow, stock, receivables, and family liquidity, not a product sale.

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. There is no obligation to make immediate changes.

Start by separating business cash, tax money, family expenses, and investable surplus. A strong month should first refill reserves and advance tax obligations before long-term investments are increased.

A fee-only advisor can build a variable-income plan with a liquid buffer and a clear rule for how much surplus moves into long-term assets. Diamond inventory should be counted in net worth, but not treated like cash.

Ask whether the advisor understands working capital cycles, GST refunds, export receivables, family cash flow, and business succession. The plan should not assume that every rupee in the business is available for personal investing.

Also ask for the fee in writing: fixed fee, annual retainer, or AUM-based fee. The advisor should be able to explain what is included and what remains with your CA or business finance team.

First list what sits in the HUF, what is self-acquired, what belongs to the firm, and what is held personally. Without that map, succession and investment decisions can get mixed up.

A fee-only advisor can help connect the ownership map to liquidity, goals, and asset allocation. A CA or lawyer should handle HUF tax treatment, family settlement, wills, and gifting rules.

The RIA should not replace your authorised dealer bank, CA, or treasury specialist. Hedging instruments and FEMA documentation sit with those professionals.

The advisor's role is to reflect the exposure in your personal plan: how much income depends on foreign currency, how much reserve you need, and whether your personal investments are already too exposed to the same business cycle.

Treat it as business wealth first, not family liquidity. Inventory and receivables may have value, but they may not be available when the family needs cash.

A fee-only advisor can estimate what can be liquidated in 30, 90, and 365 days, then build a personal reserve outside the business. New investments should reduce dependence on the same commodity or textile cycle that already drives your income.

Use rules instead of fixed monthly assumptions. Decide a base household budget, a minimum reserve, and a percentage of every strong month that moves into long-term investments.

Your advisor should also coordinate with your CA on advance tax, because irregular income can create avoidable interest costs if tax is left to the end of the year.