For founders, professionals, and NRIs who care more about returns than their advisor's product commissions. Each rupee in the plan has a specific purpose.
What we do
Practice areas.
01
Goal-Based Financial Planning & Asset Allocation
Structured financial plans anchored to real life goals — retirement, education, succession, and liquidity.
Net worth mapping — assets (property, equity, MF, debt, FD, business value), liabilities, and real net worth computation
Goal structuring — retirement corpus, children's education, property purchase, and business succession
Asset allocation strategy — equity, debt, real estate, gold, and alternative investments calibrated to risk profile and time horizon
Investment policy statement (IPS) for family offices and multi-generational wealth
Regular portfolio review and rebalancing (quarterly / half-yearly)
Emergency corpus and liquidity planning
Insurance gap analysis — life, health, and liability coverage adequacy
02
Tax-Efficient Investment Structuring
Legally minimise tax on investments using the full toolkit of IT Act provisions.
Section 80C — ELSS, PPF, NSC, and life insurance premium planning (₹1.5 lakh limit). From FY 2026-27 onwards, the equivalent is Section 123 of the IT Act 2025.
Section 80D — health insurance premium deduction (up to ₹1 lakh for senior citizen parents). From FY 2026-27 onwards, the equivalent is Section 126 of the IT Act 2025.
Long-term capital gains (LTCG) harvesting — equity and equity MF gains up to ₹1.25 lakh tax-free per year under Section 112A
Tax-loss harvesting — offset gains with realised losses within the same or carry-forward years
HUF income splitting — creation of separate tax unit for HNI families to utilise the basic exemption slab
AIF (Alternative Investment Fund) — Category I and II pass-through taxation for tax-efficient alternative exposure
Liberalised Remittance Scheme (LRS) — overseas investment up to USD 2,50,000 per year for global diversification
Old vs new tax regime optimisation for investment decisions — covering FY 2025-26 under IT Act 1961 and FY 2026-27 under IT Act 2025
03
Succession Planning & Family Office
Structured wealth transfer and governance for multi-generational families.
Will drafting advisory and estate planning (Indian Succession Act 1925 / Hindu Succession Act 1956)
Private family trust structure for ring-fencing wealth and tax-efficient wealth transfer
HUF formation and partition planning for Hindu families
Business succession advisory — ownership transfer, key-person insurance, and buy-sell arrangements
Family office setup — governance framework, investment mandate, and reporting structure
Nomination review across all financial instruments (MF, demat, PPF, insurance, PF, FD)
Power of Attorney and guardianship planning for NRI family members
What is the difference between old and new tax regime — which is better for me?
The new tax regime for FY 2025-26 offers a ₹4 lakh basic exemption (raised in Budget 2025) and a Section 87A rebate that makes income up to ₹12 lakh effectively tax-free — but it removes most deductions (80C, 80D, HRA, home loan interest). The old regime allows all deductions but has a lower exemption (₹2.5 lakh). The right choice depends on your investment portfolio, home loan, and income mix. RDA Advisory does a complete tax computation under both regimes every year before you file your ITR.
I have surplus cash — should I go for AIF or PMS?
PMS (Portfolio Management Service) is suitable for direct equity exposure above ₹50 lakh (SEBI minimum). AIF Category I/II funds offer pass-through taxation and are ideal for unlisted/private equity exposure above ₹1 crore (SEBI minimum). The choice depends on your risk profile, liquidity needs, and tax position. RDA Advisory provides unbiased advisory — we do not earn commissions from fund managers.
Can creating an HUF reduce my income tax?
Yes. An HUF is a separate legal entity and gets its own basic exemption (₹4 lakh under new regime / ₹2.5 lakh under old regime) and independent Section 80C benefit of ₹1.5 lakh. If you are a male Hindu with a family, gifting and investing through an HUF can legitimately reduce your household's total tax outgo. RDA Advisory handles the complete HUF deed, PAN, bank account, and annual ITR filing.
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