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Wealth Advisory for Tech Leaders & Founders

Honest, fee-only advice to help
tech leaders grow and protect their wealth.

We help you diversify concentrated RSUs and ESOPs into a balanced portfolio that’s tax-smart, shielded from US estate tax, and 100% commission-free.

Let’s have a chat

100%/RIA

Fee-Only Fiduciary, Zero Commissions

₹1,600 Cr+

Advised Tech Wealth across Partner RIAs

₹18L+

Typical tax saved per ESOP/RSU sale*

Trusted by engineers, leaders and founders from top tech companies

Google Microsoft amazon zomato CRED Groww BrowserStack MakeMyTrip UiPath ServiceNow Samsung IBM accenture Kuku FM Google Microsoft amazon zomato CRED Groww BrowserStack MakeMyTrip UiPath ServiceNow Samsung IBM accenture Kuku FM

RSU Diversification

Your RSUs shouldn’t be your entire net worth.

Tech pay locks most of your wealth into one stock. If it falls, so does your net worth. We move it into a diversified portfolio, safely and tax-efficiently.

Let’s have a chat →

How much employer stock are you comfortable keeping?

39%

Today

Diversified & Tax-Efficient

⚠️ It’s not only market risk. US RSUs are US assets. For Indian residents, US stock above ~$60,000 can attract US estate tax of up to 40% on death. For global exposure we use Ireland-domiciled UCITS ETFs, which sit outside US estate tax.

Illustrative starting mix. Your actual plan depends on your holdings, goals and tax.

Measure: see exactly how much of your net worth is in one stock.

Sell down: in small, planned batches, so you avoid a big one-time tax hit.

Reinvest: into 0%-commission direct funds, global UCITS ETFs and debt.

How It Works

Four simple steps to
financial freedom.

01 Discovery & Equity Audit

−

In a 30-minute call, you meet a dedicated SEBI Registered Investment Adviser. Together you list everything (RSUs, ESOPs, mutual funds and your long-term goals) so you get one clear view of where you stand.

02 360° Tech Wealth Blueprint

We look at how much sits in one stock, when your shares vest, and your tax. Then we build a balanced plan across different assets, one that lowers your risk and stays ahead of inflation.

03 Move to Direct Funds (0% Commission)

We move your money into low-cost Direct Mutual Funds (no commission), tax-efficient debt, and global index funds, so all of it keeps growing in your own accounts, not a distributor’s pocket.

04 Continuous Milestone Care

Your advisor stays with you all year, handling your foreign-asset (Schedule FA) filings, trimming your tax bill each quarter where the law allows, and guiding you through ESOP sales, starting up, or taking a break.

Schedule Your Free Intro Call →

1-on-1 SEBI Registered Advisory

Deliverable 01 / Balance Sheet Audit

Tech Balance Sheet & Equity Audit

Single-Stock Exposure

68% (High)

30% Tech Downside Risk

-₹24.0 Lakh

Liquid Runway

18 Months

What you get: One clean summary that pulls together your US RSUs (E*TRADE / Schwab), Indian demat accounts, startup ESOPs and capital-gains tax into a single view. Figures shown are an illustrative example.

Custom 360° Tech Wealth Blueprint

Direct Global Equities

55% Target

Tax-Sheltered Debt

30% Target

Strategic Cash Buffer

15% Target

What you get: A step-by-step schedule for selling vested stock in batches, timed around your vesting dates and tax-saving rules (like Section 54F, which lets you reinvest gains in a home), to protect your wealth from inflation.

100% Direct Portfolio (0% Commission)

Annual Distributor Drag

₹0 (Saved 1.25%/yr)

10-Yr Wealth Kept*

+₹28.4 Lakhs

Custody Standard

100% Non-Custodial

What you get: A clean switch from commission-heavy Regular plans to 0%-commission Direct funds. Everything stays in your own demat accounts; we never hold your money. Figures shown are illustrative.

Continuous Tax & Milestone Shield

Foreign Asset Filings

Schedule FA + Form 67

Tax-Loss Harvesting

Automated Quarterly

Advisor Access

Direct WhatsApp RIA

What you get: A year-round personal finance expert for share buybacks, IPOs, career switches, planning a break, and your family’s peace of mind.

Why Fee-Only

Why tech professionals choose Fee-Only RIAs.

See the difference in how they’re paid, what they can sell you, and whose side they’re really on.

Traditional Bank RMs & Distributors

✕

Hidden Commissions

They earn a 1%–2% cut every year from fund houses for putting you in Regular Plans, money that quietly comes out of your returns, year after year.
✕

Pushed to Hit Sales Targets

Bank sales targets push them to sell ULIPs, endowment plans and complex products that usually give you poor returns.
✕

Don’t Understand Tech Pay

No real grip on US RSU tax filings (Schedule FA), startup ESOP taxes, or avoiding double tax on foreign income (DTAA).

Foliyo SEBI Registered Investment Advisors

✓

One Clear Fee, Nothing Hidden

You pay a single, upfront advisory fee. That’s it. We take zero commissions, zero distributor cuts, and zero kickbacks.
✓

Direct Mutual Funds Only (0% Commission)

Every fund we suggest is a Direct Plan with the lowest fees, so more of your money stays invested and keeps compounding for you.
✓

We Know Tech Pay Inside Out

Specialists in US RSUs, E*TRADE/Schwab accounts, startup ESOP vesting, and foreign-asset (Schedule FA) filings.

Our Advisors

Meet our vetted SEBI Registered Advisors.

Experienced SEBI-registered advisors who understand tech pay, equity taxes, and building a balanced portfolio.

Built by Institutional Wealth Managers

Deep Wealth Management and Finance experience.

Sachin Kabra

Co-founder

Mohan Gupta

Co-founder

Leadership previously at

HDFC Private Wealth Motilal Oswal Facebook Flipkart

Illustrative Scenarios

What happens when advice is truly yours.

Example situations we help tech professionals with. These are illustrations, not client testimonials. Individual results will vary.

An engineering leader came to us stuck in four ULIPs and a product they didn’t understand. Over three sessions we unwound it and moved everything into direct funds, and for the first time they understood their own portfolio.

Engineering leader · Bangalore

~₹12L

commissions avoided over 10 yrs*

A director with ₹90 lakh in unvested ESOPs wasn’t sure how to handle the tax, spread the risk, or time it right. A phased selling plan helped save a large amount of tax on the very first exercise.

Director, product company · Hyderabad

~₹18L

tax saved, first ESOP sale*

A couple had stayed with the same bank RM for eight years without ever questioning it. Comparing what they were paying (hidden) against what they actually got made the choice obvious, so they switched. The clarity alone was worth it.

Business owner & tech couple · Pune

8 years

of hidden commissions, stopped

*Illustrative figures based on typical scenarios and assumptions, not a promise or guarantee of future results. Your actual outcome depends on your own situation and market conditions.

Common Questions

Everything you want to know.

Answers to frequently asked questions about our fee-only SEBI RIA advisory and tech equity process.

What exactly is a SEBI Registered Investment Adviser (RIA)?

A SEBI RIA is a financial advisor registered with the Securities and Exchange Board of India under the SEBI (Investment Advisers) Regulations, 2013. Unlike mutual fund distributors or bank relationship managers, RIAs are legally bound by a fiduciary standard, meaning they must always act in your best interest, disclose all conflicts of interest, and cannot earn commissions from any financial product. Their only source of income is the fee you pay them.

How do you handle US RSUs and foreign stock compliance (Schedule FA)?

We specialize in tech cross-border equity compensation. We help you track vestings on platforms like E*TRADE, Charles Schwab, and Morgan Stanley, calculate perquisite taxes withheld, optimize Form 67 Foreign Tax Credits (FTC) to prevent double taxation, and provide structured documentation for your annual Schedule FA filings.

Do I need to transfer my existing brokerage or bank accounts?

No. Foliyo is 100% non-custodial. Your assets remain securely in your existing Zerodha, Groww, INDmoney, or bank demat accounts. We provide fiduciary asset allocation strategies, rebalancing alerts, and tax guidance; you retain complete execution control.

What is the difference between Direct and Regular Mutual Funds?

Regular mutual funds pay a 1.0%–1.5% commission every year to the distributor who sold them to you, for as long as you stay invested. Direct funds have no such commission, so that 1.0%–1.5% stays in your portfolio and keeps compounding. Over a long horizon this difference can add up to a large sum. The exact amount depends on your returns, so treat any projection as illustrative, not a guarantee.

Can you help me with unvested startup ESOP exercise decisions?

Yes. We analyze your exercise price, fair market value (409A / merchant banker valuation), perquisite tax liability, cashless exercise alternatives, and secondary sale opportunities to optimize when and how you exercise without creating cash crunch risks.

Honest, fee-only advice to helptech leaders grow and protect their wealth.

Your RSUs shouldn’t be your entire net worth.

Four simple steps tofinancial freedom.

Tech Balance Sheet & Equity Audit

Custom 360° Tech Wealth Blueprint

100% Direct Portfolio (0% Commission)

Continuous Tax & Milestone Shield

Why tech professionals choose Fee-Only RIAs.

Traditional Bank RMs & Distributors

Hidden Commissions

Pushed to Hit Sales Targets

Don’t Understand Tech Pay

Foliyo SEBI Registered Investment Advisors

One Clear Fee, Nothing Hidden

Direct Mutual Funds Only (0% Commission)