About Me

I am Nitish Consul, a SEBI-registered Investment Adviser, committed to delivering independent, transparent, and research-backed financial advice. My advisory practice is guided by the principles of fiduciary duty, suitability, and regulatory compliance as prescribed under the SEBI (Investment Advisers) Regulations, 2013.

I hold the CFA Charter and an MBA, which provide a strong foundation in investment analysis, portfolio construction, and financial strategy. These qualifications enable me to apply global best practices while ensuring that every recommendation is aligned with the regulatory framework and tailored to the unique needs of each client.

My practice follows a fee-only model, meaning I do not earn commissions or incentives from product providers. This ensures that the advice I provide is free from conflicts of interest and is focused solely on your best interests.

Each engagement begins with a structured risk profiling and suitability assessment, as required under SEBI regulations. This process helps in understanding your financial objectives, investment horizon, and risk tolerance, which in turn form the basis for a customized financial plan.

I specialize in

The objective of my practice is to simplify the investment process while maintaining the highest standards of ethics, compliance, and transparency. My mission is to empower individuals and families to make informed financial decisions with clarity and confidence.

Who is an Investment Adviser?

An Investment Adviser (IA) is a SEBI-registered professional who provides personalized financial guidance to clients based on their financial goals, risk appetite, and market conditions. Unlike Mutual Fund Distributors (MFDs), who earn commissions from mutual fund sales, Investment Adviser charge fees directly from clients and provide unbiased recommendations.

Legal Definition (As per SEBI): According to the SEBI (Investment Advisers) Regulations, 2013, an Investment Adviser is an entity or individual that advises clients on financial securities, investment strategies, and portfolio allocation while adhering to SEBI-mandated fiduciary responsibilities.

Benefits of Consulting an Investment Adviser

Unbiased and Conflict-Free Advice

Investment Adviser do not earn commissions, ensuring objective recommendations. They may suggest Direct Mutual Fund Plans, which have lower expense ratios than regular plans.

Custom-Tailored Investment Strategies

Investment Advisors provide personalized advice based on financial goals, risk tolerance, and time horizon. Investment Adviser help to develop Portfolio designed to maximize returns while managing risks effectively.

Market Knowledge & Research-Based Decisions

Access to detailed market research and advanced analytics. Professional guidance helps avoid emotional investing mistakes (e.g., panic selling during market downturns).

Portfolio Monitoring & Risk Management

Investment Adviser continuously tracks the portfolio performance and accordingly asset rebalancing is done. Investment Adviser adjusts investments based on changing economic conditions.

Long-Term Wealth Creation

Investment Adviser helps to achieve financial independence through disciplined investing. Investment Adviser guides on compounding strategies to build wealth over time.

Investment Adviser v/s Mutual Fund Distributor

Criteria	Investment Adviser (IA)	Mutual Fund Distributor (MFD)
Registration Authority	Registered with SEBI	Registered with AMFI
Revenue Model	Fee-based (client pays advisory fees)	Commission-based (earnings from product sales)
Product Suitability	Mandatory – advice must match client profile	Not mandatory
Direct Mutual Funds	Can recommend Direct Plans	Cannot offer Direct Plans
Conflict of Interest	Low – advice is independent and unbiased	Higher – influenced by commissions

Guiding Your Goals Into Reality

Take the first step toward financial clarity.