A complete, integrated wealth plan — connecting your goals, income, investments, protection, taxes, and legacy into a single coherent strategy that evolves with your life.
Most people have a collection of financial products — a few mutual funds, some FDs, a home loan, a term plan, a PPF account. Very few have a strategy — a clear, connected plan that ties every financial decision to a specific life goal, optimises the overall tax burden, ensures adequate protection, and builds toward a defined legacy.
The difference between a financial product and a financial plan is the difference between a collection of bricks and an architect-designed home. Products are tools; strategy is the blueprint that determines which tools are used, in what proportion, in what sequence, toward what end.
Peacock Wealth Management's Wealth Strategy & Planning service provides this blueprint — a comprehensive, personalised, and dynamically maintained financial plan that integrates every dimension of your financial life: goals, income, investments, debt, protection, taxes, and estate planning.
Our planning engagement begins with a deep discovery session — understanding your current position, your aspirations, your risk profile, your family situation, and your values — before a single recommendation is made.
A ULIP sold without context may crowd out term insurance and equity SIP simultaneously. A home loan taken without planning may delay retirement by 5 years. A holistic plan ensures every decision is evaluated in context of all others.
Asset allocation should flow from your goals, not the other way around. A 30-year retirement corpus needs different instruments than a 5-year home down payment. We match every investment to a specific goal with a defined timeline and corpus target.
Life changes — income rises, goals shift, tax laws evolve, markets move. Your wealth plan must adapt. We conduct formal annual reviews and provide on-demand advisory throughout the year to keep the plan current and your actions aligned.
Our planning advisory is fee-based. We do not earn commissions from any product recommendation. This means our plan reflects what is genuinely optimal for you — not what earns us the most. This is rare in India's financial advisory landscape and it is the foundation of everything we do.
For HNI clients and business families, wealth planning extends to the family unit — including spouse, children, parents, and business entities. We plan tax-efficiently across the family, with estate planning and succession integrated from the beginning.
Most financial advisors focus on one or two of these. We integrate all five into a single, coherent, interconnected strategy.
Every financial plan begins with goals — specific, time-bound, quantified targets. We map every goal to a dedicated investment strategy with a clear corpus target, monthly savings requirement, and asset allocation — ensuring your money always has a purpose.
The single biggest driver of long-term wealth creation is asset allocation — the proportion of equity, debt, gold, real estate, and alternatives in your portfolio. We design scientifically grounded, goal-aligned, risk-calibrated allocation frameworks that are rebalanced systematically.
Tax planning is not an annual event — it is a continuous dimension of every financial decision. We integrate tax efficiency into investment selection, income timing, capital gains management, and wealth transfer — minimising your tax burden legally and systematically.
Protection is the foundation of every wealth plan. Without adequate life, health, and disability coverage, every other financial goal is fragile. We conduct comprehensive insurance audits and integrate the right protection into every plan — before discussing a single investment.
Building wealth is only half the challenge — ensuring it transfers efficiently, peacefully, and tax-effectively to the next generation is equally important. We integrate estate planning into every wealth strategy engagement, working alongside estate lawyers and CAs.
Our planning engagement follows a structured six-step process — transforming financial chaos into a clear, actionable, and dynamic wealth plan.
Comprehensive financial data gathering — assets, liabilities, income, goals, risk profile, existing policies, and family situation
Net worth mapping, cash flow analysis, insurance gap audit, tax burden assessment, and identification of structural weaknesses
Goal quantification, asset allocation framework, tax strategy, protection blueprint, and estate planning roadmap — integrated into a comprehensive written plan
Structured rollout of recommendations — investment account setup, SIP activation, insurance applications, and debt restructuring
Formal annual plan review — assessing progress toward goals, updating for life changes, rebalancing portfolio, and refreshing tax strategy
Access to our advisors throughout the year for financial decisions — job changes, property purchases, inheritances, major expenses, market events
Every wealth strategy begins with a clear picture of where you stand. We map your net worth across three dimensions — assets, liabilities, and cash flows.
A comprehensive inventory of all assets — financial, physical, and business — valued at current market worth. Many clients discover significant undervalued assets or misclassified holdings during this exercise.
A full accounting of all outstanding obligations — loan balances, interest rates, EMIs, and repayment timelines. Debt structuring is one of the highest-return activities in financial planning.
Monthly cash flow analysis — documenting all income sources and categorising all expenses. This reveals your true savings rate, identifies waste, and determines the realistic pace of wealth building.
For a professional earning ₹50L annually in the 30% bracket, the difference between a tax-optimised financial plan and an unoptimised one can easily be ₹4–8L per year in additional savings — available for reinvestment and compounding.
Tax optimisation in wealth planning is not about complex or aggressive structures. It is about systematically using every legitimate provision available in the Income Tax Act — Section 80C, 80D, 24B, capital gains exemptions, HUF planning, tax-free instruments — in an integrated, consistent way.
We incorporate tax planning as a continuous, year-round activity — not just a March rush to save ₹1.5L under 80C. Every investment decision, every loan, every insurance premium, and every inheritance event has tax implications that we optimise proactively.
ELSS (most tax-efficient with 3-yr lock-in and market returns), PPF (tax-free maturity), 5-yr Tax FD, NPS Tier-I. We optimise the 80C basket for maximum post-tax return, not just maximum deduction.
₹25K deduction for self/family health premium + ₹25K for parents (₹50K if senior). Fully separate from 80C. Most clients under-utilise this — we ensure maximum health cover and maximum deduction simultaneously.
Up to ₹2L home loan interest deduction per year for self-occupied property under old regime. We integrate this with loan sizing decisions — ensuring optimal EMI structure maximises 24B benefit.
Long-term equity capital gains are exempt up to ₹1.25L annually. We harvest this exemption systematically — selling and rebuying to reset cost basis — ensuring no LTCG tax is paid needlessly on equity gains.
NPS offers an additional ₹50,000 deduction under 80CCD(1B) — over and above the ₹1.5L 80C limit. For 30% bracket taxpayers, this saves ₹15,600/year while building a retirement corpus earning market-linked returns.
The optimal tax regime depends on your specific deductions and income level. We calculate both scenarios annually — recommending the regime that minimises total tax. This decision should never be made once and forgotten.
Transferring wealth efficiently, peacefully, and tax-effectively to the next generation is the other half — and it requires deliberate planning long before you think you need it.
A valid, registered will is the foundation of estate planning — ensuring your assets are distributed exactly as you intend, not according to intestate succession laws. We coordinate with estate lawyers to guide will drafting and review, and ensure the will is updated when circumstances change (new assets, family changes, property acquisitions).
Many families discover after a death that bank accounts, mutual funds, PPF accounts, insurance policies, and demat accounts have incorrect, outdated, or missing nominations — causing enormous legal and emotional distress. We conduct a comprehensive nomination audit — ensuring every financial asset has the right beneficiary clearly designated.
For business families and HNIs with complex or multi-generational wealth transfer needs, a private family trust provides superior control, tax efficiency, and asset protection compared to direct inheritance. We advise on trust suitability, working alongside trust lawyers to structure the right mechanism for your family's specific needs.
A Hindu Undivided Family (HUF) is a separate tax entity that can hold assets, earn income, and claim deductions independently — effectively doubling certain deductions (80C, 80D) for eligible families. We advise on HUF formation, asset allocation, and ongoing compliance — a powerful but underutilised tax planning tool for Indian families.
Business owners face the additional complexity of transitioning business ownership, management, and value alongside personal wealth. We integrate business succession planning into the broader estate plan — ensuring a structured handover that preserves both business value and family harmony.
NRI clients face complex cross-border tax, repatriation, and estate planning issues — FEMA compliance, Indian vs foreign asset classification, DTAA benefits, and multi-jurisdiction succession. We provide integrated planning that navigates Indian and international financial obligations seamlessly.
CXOs, doctors, lawyers, and senior managers building wealth on significant incomes — needing tax efficiency, goal clarity, and a transition plan toward financial independence.
Entrepreneurs and SME owners separating personal and business wealth, building financial resilience independent of the business, and planning for eventual business transition.
HNI families with multi-generational wealth concerns — integrating the financial decisions of parents, children, and sometimes grandchildren into a coherent, tax-efficient family wealth strategy.
Non-resident Indians managing wealth across borders — navigating FEMA, repatriation, DTAA, and Indian investment regulations while building toward an eventual India return or retirement.
Our Wealth Strategy engagement is a comprehensive, ongoing advisory relationship covering: (1) Discovery and financial data gathering — deep understanding of your current position, goals, risk profile, and family situation; (2) Written Financial Plan — a comprehensive document covering goal planning, asset allocation, insurance blueprint, tax strategy, and estate planning roadmap; (3) Implementation support — helping you execute the plan across investments, insurance, and debt restructuring; (4) Annual formal review — assessing progress, updating for life changes, rebalancing, and refreshing tax strategy; (5) On-demand advisory — access to our team for financial decisions throughout the year. This is not a product sale — it is a professional advisory engagement, billed as a fee, not through product commissions.
Three fundamental differences: (1) Conflict-free advisory — banks, mutual fund distributors, and insurance agents earn commissions from product sales. Their advice, even when well-intentioned, is structurally compromised by incentive misalignment. We earn a fee from you — our incentive is your outcome, not our product income; (2) Holistic integration — free online tools and product-selling advisors address individual decisions in isolation. We integrate all five planning dimensions — goals, allocation, tax, protection, and estate — into a single coherent strategy; (3) Ongoing relationship — financial planning is not a one-time event. Life changes, markets move, regulations evolve. We provide continuous, contextual advice — not a generic annual document that sits in a drawer.
Wealth planning is valuable at every level of wealth — in fact, the earlier you start, the greater the compounding impact of good decisions. We work with clients at various stages: early-career professionals (₹15–30L annual income, building their financial foundation); mid-career accumulation (₹30–75L income, complex tax situations, goal-planning needs); and established HNIs (₹75L+ income or ₹2 Cr+ investable assets, complex multi-dimensional planning). Our fee structures are scaled to the complexity and scope of the engagement. Contact us and we will assess your specific situation in a complimentary initial consultation before recommending a scope of engagement.
Our standard engagement includes: (1) Discovery meeting — 2–3 hours in-depth at onboarding; (2) Plan presentation meeting — presenting the completed financial plan, reviewing all recommendations; (3) Implementation meetings — as needed during the rollout phase; (4) Annual review meeting — formal annual plan review, typically 90 minutes; (5) On-demand calls and meetings — available throughout the year for significant financial decisions, market events, or life changes. We use a secure client portal for ongoing communication, document sharing, and portfolio reporting. Our advisory philosophy is proactive — we reach out to you when something important happens in your plan or the market, rather than waiting for you to call.
Both. We are a ARN Certified Mutual Fund Distributor — which means we can provide regulated investment advice independent of product distribution. For clients who want advisory-only engagements, we provide detailed buy/sell recommendations which clients execute independently through their own broker accounts. For clients who prefer discretionary or assisted portfolio management, we offer Portfolio Management Services (PMS) through appropriate ARN-certified frameworks. We also distribute mutual funds (AMFI-registered) when clients prefer managed execution. The key: our advice is always the same regardless of execution model — we recommend what is genuinely optimal, not what we execute for fee.
Disclaimer: Wealth planning and investment advisory involves inherent uncertainties. Past performance of financial instruments is not indicative of future results. Goal projections are based on assumed return rates and are not guaranteed. Tax strategies are based on prevailing Income Tax Act provisions and may change — please consult a CA for personalised tax advice. Peacock Wealth Management is ARN Certified Mutual Fund Distributor and AMFI-registered mutual fund distributor. All investment recommendations are made based on individual risk profiling and goal assessment.
Begin with a complimentary consultation. We will assess your current position and recommend the right scope of engagement.