Make investing purposeful
Connect investments to specific goals, time horizons and acceptable risk.
Independent financial advice
Independent Financial Planning Built Around Your Family.
Shruti S Bhatia is a SEBI Registered Investment Adviser, offering fixed-fee financial planning, portfolio reviews, retirement planning and education-goal planning for individuals and families.
SEBI Registered Investment Adviser · 20+ Years of Experience · Transparent Annual Fee
Independent adviceYour goals remain central
No commissionsNo product-sales pressure
Transparent feesKnow how the engagement works
Planning begins with your life
Planning around what matters to you
Financial decisions become clearer when they are connected to real goals—not products, market noise or short-term pressure.
Prepare for retirement
Understand future needs and the financial steps that may support them.
Balance debt and savings
Consider borrowing decisions alongside cash flow and long-term priorities.
Plan education costs
Build a realistic approach to future education expenses and available resources.
Advisory services
Financial planning shaped around your goals
Explore the area that best reflects the decision you are working through.
Current Portfolio Review
Have your current investements analyzed against your goals, challenges, and risk profiles.
Investment Planning
Build an investment plan around your goals, time horizon and risk profile.
Retirement Planning
Plan for retirement needs with a structured view of cash flow, time and risk.
Education Expense Planning
Prepare for future education costs using a practical, goal-based plan.
A clear advisory journey
A personal process, explained simply
- 1
Understand
Discuss your goals, financial context and priorities.
- 2
Assess
Review relevant information, risk and key decisions.
- 3
Plan
Develop recommendations and a practical action path.
- 4
Review
Revisit the plan when included and appropriate.
SEBI RegistrationINA000018939
About the adviser
Independent advice. Personal attention.
I help individuals and families bring structure to important financial decisions through personalised planning and clear explanations.
The advisory relationship begins with your circumstances: what you are working towards, what concerns you and how much uncertainty you are comfortable with. Recommendations are then considered in that context.
- Professional designation
- SEBI Registered Investment Adviser
- Registration number
- INA000018939
- Location
- Vadodara, Gujarat
How the relationship is aligned
Advice without product pressure
The practice is fee-only and commission-free: fees are paid for the agreed advisory service, not for selling financial products. Review the Services and Pricing page for the applicable scope and fee information.
No product commissions
Transparent service fees
Recommendations tied to goals
View services and pricingBefore you begin
Questions you may have
Clear information helps you decide whether the advisory approach fits your needs.
Review services and pricingWhat does a SEBI Registered Investment Adviser do?
A registered investment adviser provides advice within the scope of the client engagement, considering goals, financial circumstances and risk profile. Review the exact service scope before engagement.
What should I prepare for the first meeting?
Bring a broad view of your goals, existing investments, liabilities, income, expenses and any financial decisions you want to discuss.
Where can I see services and pricing?
The Services and Pricing page explains the available planning services and applicable fee information.
Does SEBI registration assure investment returns?
No. Registration, BASL membership or NISM certification does not guarantee performance or assure returns.
A calm next step
Ready to bring more clarity to your financial decisions?
Schedule a conversation to understand the advisory process and whether the available service fits your needs.