Trusted by clients for complete personal finance solutions — from mutual fund advice and portfolio planning to comprehensive wealth management.
Backed by Global Chartered Wealth Manager expertise, I make managing your money smarter and simpler.
NITIN WALI -Chartered Wealth Manager
We believe investors deserve complete clarity — from costs and risks to product selection. Every recommendation is mapped to your risk profile and disclosed with full transparency, so you know exactly why you’re investing.
Investments work only when integrated with taxes, insurance, estate and future goals. We design a goal-based roadmap aligned to your unique risk appetite — ensuring your money works for what truly matters to you.
Beyond advice, we ensure secure execution, AMFI , APMI compliant practices, and continuous monitoring. Your portfolio evolves with your changing risk profile and life goals, so you can invest with confidence.
The big difference with me is simple — I don’t just throw random products at you. I stay updated on the latest financial knowledge and future trends, and then build a plan around your goals and your comfort with risk. That way, you always know why you’re investing, and you can move forward with clarity and confidence.
Certified by AMFI to guide you in choosing mutual funds with trust, transparency, and a client-first approach.
This means your investments are recommended by a qualified professional focused on your goals, not on selling products.
Authorised to distribute SEBI-regulated Portfolio Management Services through APMI registration. This gives you access to exclusive, research-driven portfolios - designed for long-term wealth creation and personalized strategies.
A globally recognised designation for comprehensive wealth and estate planning expertise. This ensures you receive holistic guidance across investments, tax efficiency, succession, and legacy — not just product advice.
Handpicked fund combinations built around your goals, risk comfort, and time horizon. Because your money deserves more than one-size-fits-all investing.
More than portfolio management, we craft strategies that adapt as your goals evolve. Whether it’s growth or legacy, your portfolio is built with focus and purpose.
More than advice — a 360° wealth management approach covering growth, risk, tax, and succession. Because true wealth isn’t only about returns, it’s about building a secure and lasting future.
Before meeting Nitin, my finances felt scattered — I had some savings here and there, a few random investments. Nitin patiently understood my goals, reviewed my existing portfolio, and created a structured financial plan that actually made sense. Today, I know exactly where I stand, what I’m investing for, and how each step moves me closer to my goals. More than returns, it’s the peace of mind that my money is now working for me with purpose and discipline.
Nitin didn’t jump straight into recommending mutual funds. He first took the time to understand my existing portfolio in detail, explained what was working and what needed realignment, and then suggested the right mix of funds to create a complete, balanced portfolio. He also guided me on how to plan across other investment areas, ensuring that every rupee was invested with purpose and direction.
What I appreciated most about working with Nitin is that he focused on me, not just my returns. I was confused about how to organize and track my investments, but he took the time to understand my goals, family priorities, and comfort with risk. His explanations were clear, his approach structured, and his recommendations purposeful. For the first time, I felt guided — not sold to. It truly feels like a financial plan built around my life, not the markets.
What stood out to me about Nitin is how he looks at the whole picture. He didn’t just suggest new investments — he first studied my existing ones, explained what to keep and what to change, and then aligned everything with my goals. Every year, he reviews and rebalances my portfolio so that I stay on track without worry. I finally feel like I have a long-term financial plan, not just a set of products.
Your risk profile is the foundation of your Personal Finance plan. It helps identify whether you’re more comfortable with stable, lower-return investments or willing to take higher risk for higher growth.
Once we know this, we can design a portfolio that matches your comfort level while still working toward your goals.
Personal Finance goals vary for everyone. Short-term goals may include building an emergency fund, buying a car, or saving for a holiday.
Long-term goals often cover retirement, children’s education, or buying a home. Defining these goals helps us allocate the right mix of investments and timelines.
Personal Finance should never feel hidden or complicated.
We ensure full transparency by explaining expense ratios, management fees, exit loads, and any distribution charges upfront.
You’ll always know what you’re paying and why — no surprises.
Diversification is at the heart of Personal Finance. By spreading investments across asset classes like equity, debt, and alternatives, we balance risks and smoothen returns. This way, no single market event derails your entire plan.
Personal Finance planning is not a “set and forget” exercise.
We believe in regular rebalancing so that any life changes — like a new job, higher income, or major expenses — are reflected in your goals. This ensures your plan always stays aligned with both your life and the market conditions.
Market ups and downs are inevitable, but smart Personal Finance planning ensures you’re protected.
By aligning investments with your risk profile, keeping a safety buffer, and focusing on long-term goals, we help you stay invested confidently — even when markets fluctuate.
The National Pension System (NPS) is one of the most effective retirement planning tools in India today.It combines the discipline of long-term saving, market-linked growth,
1. What are Equity Mutual Funds? Equity Mutual Funds pool money from many investors and invest primarily in the shares of companies. Their goal is
If you are an investor with high risk appetite and a long-term horizon (7–10 years), Small Cap Funds may be the growth engine your portfolio
The website persfinanceplanning is owned by Mr. Nitin Wali (ARN–244802, APRN07002), a registered AMFI Mutual Fund Distributor and a registered Distributor for Portfolio Management Services (PMS).
As a distributor, the role is limited to facilitating access to mutual funds and PMS providers registered with SEBI and recommending suitable product options based on the investor’s profile. This platform does not provide investment advisory services under SEBI (Investment Advisers) Regulations, nor does it act as a Portfolio Manager. All information, tools, and calculations shared here are for educational purposes only. No fees are charged to investors for using this website. The distributor may receive commissions from AMCs or PMS providers for distribution-related activities.
Mutual fund and PMS investments are subject to market risks. Past performance does not guarantee future results. No assurance is given regarding investment returns or the achievement of financial objectives.