Fee-Only Financial and Investment Advisors in Vadodara

SEBI RIA registration is the basic check before paying for investment advice. For Vadodara investors with PSU benefits, property, employer shares, or family-business wealth, it helps separate regulated advice from 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.

Start by putting all employer-linked benefits in one place: EPF, gratuity, pension or NPS, insurance, and any employee stock or shareholding. Then compare that with expected retirement spending and medical needs.

A fee-only advisor can help decide what should remain in employer-linked assets and what should be diversified. A CA should review tax treatment for any ESOP, share sale, or arrear income.

Not for business operations. The RIA should focus on the family's personal balance sheet: salary or drawings, emergency money, insurance, investments outside the company, and any personal assets pledged for business loans.

The business itself still needs a CA or business finance advisor. The two should coordinate when business cash flow, collateral, or succession affects family wealth.

Include the property in your net worth, but do not treat the full market value as investable money. Sale costs, tax, family use, rental yield, and replacement housing all matter.

A fee-only advisor can compare hold, rent, sell, or prepay-loan options. If a sale is possible, involve a CA before deciding how to redeploy the proceeds.

The plan should cover pension entitlement, NPS or UPS status, arrear payments, insurance, emergency money, and retirement income. Arrears should be assigned before they sit idle or get spent in pieces.

A fee-only advisor can plan the investment side. A CA should review tax treatment of arrears and whether any relief applies.

First separate paper wealth from usable wealth. Inherited property and a large PSU shareholding can make net worth look comfortable while income and liquidity remain limited.

A fee-only advisor can map concentration, liquidity, rental income, possible sale proceeds, and succession issues. Any property transfer or share-sale tax should be checked with a CA.

Some are, but ask directly. A returning NRI may need help with account status, Indian investments, property income, foreign assets, and repatriation.

A SEBI RIA can plan the India-side portfolio. FEMA compliance, Schedule FA, and foreign tax issues should be handled by a CA or specialist familiar with the relevant country.