Most investors already own mutual funds. But without regular checks, portfolios can drift
— funds overlap, risks rise, and goals go off track. We bring clarity and direction back.
Our Unique Advantage
Unlike one-size-fits-all advice, we start by understanding you — your goals, current
investments, income, expenses, and even how you react to market ups and downs.
Using a structured process, supported by AI tools, we match your risk capacity with the
actual risk of funds. This ensures your portfolio truly fits your life, not just the market
noise.
Your financial needs evolve as life moves forward. We help you plan, invest, and
withdraw at the right time — so your money supports you at every stage.
Why this matters
It’s not just about investing. It’s about making sure your money supports your goals —
from education to retirement to legacy — with a clear plan for each stage of life.
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.
With 20+ years of corporate experience and 4 years as a Chartered Wealth Manager, I've learned that true financial freedom comes from intentional planning and disciplined execution. As a certified PMS and Mutual Fund Distributor, I help clients build wealth with clarity and confidence.
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 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.
