Question 1

How is NWealth Capital different from a bank or distributor?

Accepted Answer

We are independent fiduciary advisors, not product distributors. Our recommendations are commission-agnostic and built solely around your goals, with transparent advisory fees.

Question 2

How are your fees structured?

Accepted Answer

We charge a transparent advisory fee — either a flat retainer or a percentage of assets advised — disclosed upfront with no hidden commissions.

Question 3

Is my data and money safe?

Accepted Answer

Your investments always remain in your own name with regulated custodians. We never take custody of your funds, and your data is encrypted and access-controlled.

Question 4

Do you work with clients outside major cities?

Accepted Answer

Yes. Our client dashboard and video consultations mean we serve clients across India and NRIs worldwide.

Question 5

What happens after I book a consultation?

Accepted Answer

You will have a free discovery call with a senior advisor. If it is a fit, we guide you through a simple onboarding and deliver your personalised plan.

Question 6

Which plans do you offer?

Accepted Answer

Plans are grouped by the area you need help with, such as investments or tax. Each group offers a few tiers, from a self-serve starting point to year-round guidance; current prices and inclusions are listed on this page.

Question 7

How do the tiers within a group differ?

Accepted Answer

Entry tiers are a starting point, middle tiers add regular expert input for important decisions, and the top tier adds the most advisor time and year-round coordination. The plan cards list exactly what each tier includes.

Question 8

When should I request a Custom plan?

Accepted Answer

Custom is intended for business owners, multi-generational families and NRIs whose needs involve multiple entities, jurisdictions, specialists or a more frequent advisory cadence.

Question 9

Can I move to another plan later?

Accepted Answer

Contact the advisory team to arrange a plan change. Online checkout prevents overlapping subscriptions, so choosing another plan does not silently start a second monthly charge.

Question 10

How do billing and cancellation work?

Accepted Answer

Plans bought online renew monthly through Razorpay for up to 12 billing cycles. Sign in and use the membership panel on the pricing page to cancel future renewal. Your current paid period is unchanged; contact us about any refund request.

Question 11

Do you receive commissions from recommended products?

Accepted Answer

Our advisory relationship is fee-only and commission-agnostic. Product costs and third-party charges, where applicable, are shown separately from NWealth's advisory fee.

Question 12

Where do my investments and money remain?

Accepted Answer

Your assets remain in your own name with regulated custodians and product providers. NWealth provides advice and ongoing guidance without taking custody of your investment assets.

Question 13

What is the minimum investment to get started?

Accepted Answer

We work with portfolios starting from ₹25 lakh, though we tailor engagements to each client. Book a consultation to discuss your situation.

Question 14

Are you a fiduciary?

Accepted Answer

Yes. We are commission-agnostic and always act in your best interest, recommending low-cost, suitable instruments.

Question 15

How often will my portfolio be reviewed?

Accepted Answer

Formal reviews happen quarterly, with continuous monitoring and rebalancing triggered by material market or life events.

Question 16

Do you handle capital gains from equity and property?

Accepted Answer

Yes. We compute short- and long-term capital gains across asset classes and advise on harvesting and reinvestment options.

Question 17

Can you represent me for tax notices?

Accepted Answer

We assist with notice responses and coordinate representation where required.

Question 18

Do you support business and NRI taxation?

Accepted Answer

Absolutely — including presumptive taxation, TDS, and DTAA relief for NRIs.

Question 19

Do you sell insurance policies?

Accepted Answer

We advise independently and are agnostic to providers, focusing on the most suitable, cost-effective cover for you.

Question 20

How much life cover do I actually need?

Accepted Answer

We use a human-life-value and needs-based approach factoring liabilities, dependents, and goals to arrive at the right sum assured.

Question 21

Should I mix insurance and investment?

Accepted Answer

Generally no. We recommend separating pure-risk protection from investments for clarity and better outcomes.

Question 22

When should I start retirement planning?

Accepted Answer

The earlier the better — compounding rewards an early start, but it is never too late to optimise.

Question 23

How do you account for inflation?

Accepted Answer

All projections are inflation-adjusted, and we stress-test your plan against multiple return and inflation scenarios.

Question 24

Do you optimise NPS and EPF?

Accepted Answer

Yes, we integrate NPS, EPF and annuities into a cohesive, tax-efficient retirement strategy.

Question 25

Do I need a trust or just a will?

Accepted Answer

It depends on your assets, family situation and objectives. We assess and recommend the simplest structure that meets your goals.

Question 26

Can you help family businesses with succession?

Accepted Answer

Yes, we design succession frameworks that balance control, continuity and fairness.

Question 27

How often should estate documents be reviewed?

Accepted Answer

At least every three years, or after major life events such as marriage, birth or acquisition of assets.

Question 28

Can you help with repatriation of funds?

Accepted Answer

Yes, we guide FEMA-compliant repatriation from NRO/NRE accounts, including documentation and limits.

Question 29

Do you handle DTAA relief?

Accepted Answer

We coordinate double-taxation-avoidance relief so you are not taxed twice on the same income where treaties apply.

Question 30

Which countries do you support NRIs in?

Accepted Answer

We work with NRIs across the US, UK, UAE, Singapore, Australia and beyond, coordinating across time zones.

Questions, answered plainly.

Working with us

Fees and membership

Wealth Building

Tax Efficiency

Family Protection

Retirement Planning

Legacy & Succession

Global Indian Wealth

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