How much does fee-only financial planning cost?

Fees depend on your financial complexity and the services required. Pricing is clear with no hidden charges, and costs are explained upfront.

Do I need a minimum income or investment amount to work with you?

No. Fee-only financial planning is accessible to individuals and families at all income levels. Quality financial advice should not depend on net worth.

How often will we meet for financial planning reviews?

Meeting frequency depends on your needs. Many clients prefer quarterly or annual reviews. Review schedules are adjusted as your life and finances change.

Is my financial information kept confidential?

Yes. All personal and financial information is kept strictly confidential. Strong privacy and secure data handling practices are followed.

Can you help if I already have investments or a financial advisor?

Yes. Existing investments and plans can be reviewed for clarity and alignment. We provide unbiased second opinions without pushing changes.

Who should consider working with Wealth Crafts?

Professionals, families, retirees, and small businesses seeking goal-based financial advice can benefit. We support individuals at all life stages.

Does Wealth Crafts provide long-term financial planning support?

Yes. Planning includes ongoing guidance, reviews, and strategy updates, focusing on long-term financial success.

How does your financial planning process reduce my financial risks?

We conduct a thorough risk analysis of your investments, insurance, and future plans. This helps balance your portfolio, avoid excessive risk, and create a financial safety cushion.

Which cities in India do you provide fee-only financial planning services?

We provide fee-only financial planning services across India and for NRIs abroad. Consultations are conducted online, allowing access from anywhere including major cities like Mumbai, Bangalore, Hyderabad, Pune, Chennai, Delhi, Gurgaon, Noida, Kolkata, Ahmedabad, and Coimbatore.

How much do fee-only financial planners charge in India?

SEBI allows Registered Investment Advisers to charge up to 1,50,000 INR per year. Fees typically range from 20,000 to 1,50,000 INR depending on complexity. Flat fees are transparent and often more cost-effective than percentage-based pricing.

Are there any additional costs or fees I should be aware of?

No. Apart from the agreed flat fee, there are no hidden charges. The fee paid is the only form of compensation.

Fee-Only Certified Financial Planner in Bangalore, India

Q: What is the difference between fee-only and fee-based advisors?

Fee-only financial advisors earn income only from clients. Fee-based advisors may also earn commissions. At Wealth Crafts, our advice stays objective, transparent, and free from product influence.

Q: Does Wealth Crafts sell financial products or earn commissions?

No. Advice is fee-only with zero commissions, zero brokerage, and no product sales. We work solely for clients.

Flat Fee-Only Financial Planners & Investment Advisor

Honest, Unbiased Financial Advice You Can Trust

When it comes to your financial future, you deserve advice that always puts your interests first, not commissions or product pressure. Wealth Crafts offers SEBI registered fee only financial planning services built on trust, clarity, and transparency. Every plan delivers clear, objective, and personalized financial advice with no hidden fees, no product sales, and no conflicts of interest.

You pay only for professional financial planning advice and nothing else. Every recommendation stays fully aligned with your long term financial goals and overall financial wellbeing.

Talk to an Advisor

What Is Fee Only Financial Planning?

Fee only financial planning means client fees remain the only source of compensation. The financial advisors do not receive income from banks, insurance companies, or investment firms.

There are no commissions, no referral payouts, and no incentives to suggest products that do not serve your best interest. Every recommendation supports one goal, your financial wellbeing.

Our Fee Only Financial Planning Services

Retirement Planning

Create a plan that will give you a financially secure retirement life. Our retirement planning will help you increase your savings, invest and plan for income for every year during retirement.

Investment Planning

Receive personalized investment plans according to your needs, preferences and expectations. No sales tactics or pressures on purchasing high-commission products.

Tax Planning

Get advice on how to plan for tax efficient investments that suit you personally, according to your financial situation and objectives.

Debt Management

Being debt free can be liberating. Control your debt with a concrete plan to lower your interest costs, pay down debt faster, and improve your financial well-being.

Budgeting & Cash Flow Management

Knowing where your money goes and developing cash flow to not only to understand your monthly cash flows but to understand how much money needs to be invested to achieve your goals but build your wealth.

Education Planning

Setting aside funds for education using effective savings plans, reducing stress and supporting long-range objectives.

Complete Financial Planning

A comprehensive, goal-oriented financial strategy integrating short-term needs and long-term objectives to ensure structured wealth creation, risk management, and financial stability.

Insurance Need Analysis

A systematic evaluation of life, health, and asset protection requirements to identify coverage gaps and optimize insurance adequacy without overexposure.

Financial Education

A well-organized program that aims at improving an individual’s knowledge about wealth management practices, investment theories, and proper decision-making processes.

Career-Oriented Financial Planning

A tailored financial planning approach that aligns with an individual’s career path. It considers income profile and professional milestones. The goal is to optimize wealth creation and financial progression.

Cross-Border Financial Planning for NRIs

Specialized financial planning for NRIs. It covers cross-border investments, and long-term wealth management in India and abroad.

Joint Financial Planning for Couples

Joint financial planning for couples. It aligns goals, manages shared expenses, and builds long-term financial stability together.

Independent Financial Planning for Women

A structured approach for women. It focuses on financial independence, wealth creation, and long-term security aligned with life goals.

Wealth Accelerator

An investment strategy that is geared towards wealth expansion through smart asset management and return maximization techniques.

Fee Only Financial Advice Tailored for Every Stage of Life

Our fee only financial planning services support individuals, families, and professionals at every life stage.

Young professionals beginning their financial journey
Women seeking independent, confident financial planning
Couples building shared financial goals and long term security
Families planning education, home ownership, and retirement
Pre retirees preparing for a smooth transition from active work life
Retirees managing income, investments, and estate planning needs
Business owners seeking personal and business financial guidance
Self employed professionals managing irregular income and taxes
High income earners looking for tax efficient investment planning
NRIs seeking cross border financial planning and investment clarity
Individuals planning inheritance, legacy, and long term security

Why Do People Hire Us?

Validation

We help you check if you are on the right financial path and guide you to correct your decisions when needed.

Clarity

We review your financial situation and help you prioritize goals while removing confusion and market noise.

Behavioural Coaching

We support you in staying disciplined during market changes and help you avoid emotional decisions.

Expertise

We provide professional guidance on taxes, retirement, estate planning, and major financial life decisions.

Benefits of Choosing Wealth Crafts Fee Only Financial Planning

No Conflicts of Interest

We earn no commissions, brokerage, or referral income. Every recommendation stays fully aligned with your financial goals and personal priorities.

Full Transparency

You always know what you pay and what you receive. Fees stay clear, upfront, and simple with no hidden charges or surprise costs.

Fiduciary Standard

As fee only financial advisors we are legally bound to act only in your best interest. We uphold this fiduciary responsibility at all times of our client relationship.

Objective Recommendations

Without product sales or incentives, every strategy focuses only on what truly works best for your goals, risk comfort, and timeline.

Long Term Relationship

We focus on building lasting partnerships, not one time transactions. Your financial progress stays our priority year after year.

Personalized Financial Guidance

Every plan reflects your life stage, income, and goals. Advice stays customized, practical, and designed to evolve as your needs change.

Unbiased Financial Planning

We are not affiliated with any financial institution, so you get full freedom of investment choices based on your needs.

Comprehensive Financial Planning

Our holistic plans bring together investments, tax planning, retirement planning, and all key areas of your finances.

You Come First

We design strategies to achieve your goals, not to sell financial products or services.

Accredited SEBI RIA

We are a SEBI Registered Investment Adviser and part of a select group offering fixed fee only financial planning.

Wealth Strategy

Schedule A Free 30 Minute Consultation With Wealth Crafts

Stop paying for advice that serves someone else’s interests. We don’t sell products. We provide unbiased financial advice tailored to your goals. Our fee only financial planning services give you clarity, confidence, and direction to build lasting financial security. Schedule a free 30 minute consultation and take the first step toward a stronger financial future.

Schedule Your Free Consultation

Know the Difference Between Fee Only and Other Financial Advice Models

	Fee-Only	Fee-Based	Commission-Only	Robo-Advisor
How they earn	Client fees only	Fees + commissions	Product commissions	Subscription or AUM fees
Conflicts of interest	None	Possible	High	Low
Who they work for	You	You + providers	Product providers	Algorithm system
Fiduciary standard	Always	Not always	Rarely	Varies
Product advice	Unbiased	May be influenced	Commission driven	Automated
Transparency	Full	Partial	Low	Moderate
Hidden fees	None	Possible	High	Low
Personalization	Full	Partial	Product based	Limited
Human interaction	Full	Full	Full	Minimal
Best for	Transparent financial advice	Mixed advice needs	Product focused buying	Low cost automated investing

What to Know Before Choosing Fee Only Financial Planning Services?

Fee only financial advisors earn income only from clients. Fee based advisors may also earn commissions. At Wealth Crafts, our financial advice stays fully objective, transparent, and free from product influence.

Fees depend on your financial complexity and the services required. Pricing stays clear with no hidden charges. We explain costs upfront so clients always know what they pay and why.

No. Fee only financial planning stays accessible to individuals and families at all income levels. Wealth Crafts believes quality financial advice should never depend on net worth.

Meeting frequency depends on your needs. Many clients prefer quarterly or annual reviews. Wealth Crafts adjusts review schedules as life, income, and there is no limit on the number of meetings.

Yes. All personal and financial information remains strictly confidential at all times. Wealth Crafts follows strong privacy standards and secure data handling practices.

Yes. Existing investments and plans can be reviewed for clarity and alignment. Wealth Crafts provides unbiased second opinions without pushing changes.

No. Advice stays fee only with zero commissions, zero brokerage, and no product sales. Wealth Crafts works solely for clients, not banks, insurance companies, or product providers.

For professionals, families, retirees, and small businesses, goal-based financial advice is helpful. We at Wealth Crafts help individuals through all phases of life.

Yes. Planning includes ongoing guidance, reviews, and strategy updates. Wealth Crafts focuses on lasting relationships and long term financial success.

A thorough risk analysis will be conducted for your existing investments and insurance, as well as future plans. This way, you will achieve the required balance between investments, avoid excessive risks, and create a safety cushion for the future. Our objective is to safeguard your funds but continue working towards sustainability.

We are a SEBI registered investment adviser in India providing fee only financial planning services throughout India for NRIs residing abroad. We conduct online consultations on Zoho meetings, Google Meet, Zoom, Skype, WhatsApp, so that you may contact us from wherever you are in India or abroad.

We serve clients in all major cities, including:

Mumbai
Bangalore
Hyderabad
Pune
Chennai
Delhi
Gurgaon
Noida
Kolkata
Ahmedabad
Coimbatore

SEBI allows SEBI Registered Investment Advisers to charge up to ₹1,50,000 per year. Fees usually range from ₹20,000 to ₹1,50,000 based on financial complexity. Flat fee pricing is more transparent and often more cost effective for investors with larger portfolios compared to percentage based fees.

Apart from the flat fee for the comprehensive financial plan, there are no hidden fees or costs for our advisory services. The fee you pay us is the only way we get remunerated.