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NRI Financial Planner
Investment Advisor in India

You built your life abroad with steady effort and smart choices. Managing money across countries can still feel confusing. Rules, taxes, and accounts differ, and simple decisions often take more time and care.

At Wealth Crafts, we help NRIs bring clarity and control to their finances. We guide your choices based on your goals, where you live, and what you want next.

“NRI Financial Planning That Works Across Borders and Life Goals”

75% of NRIs stay invested for 5+ years, but many still miss out on optimal tax and cross-border investment strategies. Take control and maximize returns.

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Wealth Crafts helps NRIs manage cross-border finances with clarity through fee-only, SEBI-registered financial advisory

  • 15+

    Years of Experience

  • 1200+

    Clients Globally

  • 20+

    Countries Served

  • SEBI

    Registered Investment Adviser

  • 100%

    Fee-Only Advisory

  • Personalized Plans

For Returning NRIs

Planning to Return to India? There's a Tax Window Most NRIs Miss Entirely.

It's called RNOR status and if you don't plan before you land it is gone.

When you return to India after years abroad you don't immediately become a full tax resident. For 2 to 3 years you hold a special status called RNOR which means Resident but Not Ordinarily Resident. During this window your foreign income is generally not taxable in India. The planning has to happen before you return ideally 12 to 24 months in advance.

RNOR Window 2 to 3 years | Ideal Planning Start 12 to 24 months before return | Once Window Closes Opportunity is gone permanently

RNOR WINDOW 2–3 years
IDEAL PLANNING START 12–24 months before return
ONCE WINDOW CLOSES Opportunity is gone permanently
Exit overseas investments tax efficiently before Indian residency kicks in fully
Restructure NRE and NRO accounts before they auto convert
Plan repatriation of funds without triggering unnecessary tax events
Reorganise your Indian portfolio for your post return life and goals
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And while you're still abroad this matters too
Global Investing for NRIs

Most NRIs Investing Globally Are Exposed to a Risk They Don't Know Exists

Where your ETF is domiciled in Ireland the US or India changes your tax outcome, your estate risk and your long term returns significantly. This is one of the most overlooked decisions in NRI financial planning.

US domiciled ETFs carry a flat 40% US estate tax on holdings above about ~$ 60,000 for non US persons. Most NRIs holding S and P 500 or global ETFs don't know this until it is too late.

NRIS Outside US & CANADA

NRIs outside US & Canada Why Irish domiciled ETFs are usually the right choice

  • No US estate tax exposure because Irish domicile sits outside US jurisdiction
  • Lower dividend withholding tax at 15 % under the India Ireland treaty compared to 25 to 30 % for US funds
  • UCITS structure which is especially favourable for EU based NRIs under local regulations
  • Same market exposure like S and P 500 global equities and emerging markets with a cleaner tax wrapper
US-Based NRIS

US based NRIs Why the calculus is different if you are in America

  • Irish UCITS funds are classified as PFICs under US tax law which creates a punishing tax structure
  • US listed ETFs investing in India or emerging markets are typically the cleaner route
  • Indian mutual funds also fall under PFIC rules which largely makes them unsuitable
  • The right structure depends on residency return plans and investment horizon

This is not a one size fits all decision. The right domicile depends on where you live, where you plan to retire, your estate planning needs and the tax treaty between India and your country of residence. We help you map this clearly before you invest, not after.

Talk to an Advisor

A 30 minute conversation can surface gaps that take years to fix otherwise.

Fee-only NRI financial planning connecting Indian and foreign finances into one clear, goal-based structured plan

NRI Financial Planning & Advisory Services in India

Your Cross-Border Finances Need Clarity, Not Confusion

Managing money as an NRI is not just about earning more. You need to make the right choices across two systems simultaneously. Each country has its own rules, taxes, and processes, which can make simple decisions feel difficult.

Many NRIs manage accounts, investments, and property in India while handling income abroad. Over time, this creates gaps, confusion, and missed chances. It becomes hard to track money, understand taxes, and see the full picture clearly.

At Wealth Crafts, we bring everything into one simple plan. We connect your finances across countries so you can make clear decisions. Every suggestion is based on your goals, not on commissions or sales pressure.

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Why Do NRIs Need Financial Advisory Services?

NRI financial advisory is a structured process that helps you manage money across countries with clarity and control. It focuses on investments, taxes, repatriation, and long-term planning while following Indian regulations.

It is not about random investment choices. It is about building a clear system that connects your income, savings, and future goals.

A well-structured NRI financial plan uses your money with a clear purpose and direction. Whether you plan to return to India, stay abroad, fund your child’s education overseas or support your family here, every decision fits into a larger plan.

A complete NRI advisory plan covers:

  • Goal Identification & Prioritization — Identify your critical financial objectives for your timeframe and determine the corpus required to achieve them efficiently.
  • Risk Profiling — Understand your risk capacity, risk tolerance, and need to take risk to formulate a strategy that works for you in all global markets.
  • Asset Allocation — Strategically invest your money in equities, debt, gold, etc., to ensure optimal returns with low risks for NRIs.
  • Instrument Selection — Select simple, low-cost, high-impact investment instruments that are easy to execute and are in alignment with your long-term objectives. Build a globally diversified portfolio with exposure to key international markets through S&P 500 or emerging market ETFs.
  • Periodic Review — Regularly review your portfolio to accommodate your personal changes, market movements, and ever-changing economic scenarios to ensure your objectives are on track.

Our 3 Promises

CLARITY

Understand Your Financial Situation

We provide you with a detailed understanding of your financial situation, helping you gain clarity on:

  • Where you stand financially: A comprehensive snapshot of your income, expenses, assets, and liabilities.
  • What goals are achievable: We assess your financial goals and help you distinguish between what’s attainable and what might require more effort.
  • How to prioritize your goals: Not all goals can be pursued simultaneously. We’ll help you identify which goals to focus on first and what trade-offs might be necessary.
  • What course corrections are needed: As life evolves, so do financial priorities. We guide you through any adjustments needed to stay on track.

SIMPLICITY

Focus on What Matters

Successful financial management doesn’t have to be complicated. We believe in simple strategies that deliver long-term results. Here’s how we ensure simplicity:

  • Straightforward solutions: We cut through the complexity of financial markets, offering you clear and actionable steps.
  • Avoiding distractions: Many people are tempted to take on complex strategies that often lead to confusion. We help you avoid those pitfalls and focus on what truly works.
  • Consistency: The best financial strategies are the ones that are easy to follow and maintain. We’ll design a plan that’s simple but effective, allowing you to consistently build wealth and security.

STRUCTURE

Framework for Taking Action

A financial plan isn’t just something you create once and forget. It’s a living guide that requires consistent monitoring and adjustment. We provide you with a framework for action that covers three major triggers:

  • Change in goals or personal circumstances: Life changes—whether it’s a new job, a child’s education, or a major purchase, we help you reassess and adjust your plan as needed.
  • Deviation from ideal asset allocation: If your investments drift from the ideal allocation due to market performance, we guide you in rebalancing to stay aligned with your long-term strategy.
  • Change in market conditions or investment options: Financial markets can change rapidly, and new investment opportunities might arise. We’ll help you stay ahead by adjusting your portfolio when necessary.

Common Financial Problems NRIs Face and Clear Solutions

Managing money across countries often brings simple but serious doubts. Many NRIs face similar issues that affect decisions, growth, and long-term financial clarity over time. We help you address these issues with clear guidance and a structured financial plan.

Unsure About Investments in India

Many NRIs invest in mutual funds, deposits, without a clear plan. We review your portfolio and guide you with goal-based, low-cost investment options suited to your needs.

Confusion About Tax Rules

Tax rules in India can feel confusing for NRIs with income across countries. We explain your tax liability, DTAA benefits, and guide you to stay compliant while reducing unnecessary tax payments.

Scattered and Unclear Finances

Managing NRE, NRO accounts, investments, and assets can make finances hard to track. We organize everything into one clear structure so you can see your full financial position easily.

Understanding Important Regulations

Regulations like PFIC and FATCA create investment restrictions. We help you understand these and build a portfolio which is compliant and grows wealth at the same time.

Unclear Retirement Planning

Most NRIs who are planning to return to India are not clear about the living costs in India and usually underestimate the cost of living. We build a simple retirement plan based on your lifestyle, future location, and long-term financial needs.

Real Estate Guidance

Buying or managing property in India can feel difficult when you live abroad. We help you review property investments and make decisions that fit your financial goals and long-term plans.

Insurance Planning

Insurance needs often change when you live and work in different countries. We review your life and health coverage in India and guide you to choose the right insurance plan for your family.

Our Approach to Clear and Practical Financial Planning

NRI Deep Financial Needs Analysis

Deep Needs Analysis

We review your income, expenditure, savings, goals, and obligations across countries to provide a strong financial foundation.

NRI Goal-Based Financial Planning

Goal-Based Planning

We help you achieve your goals, such as retirement planning, education planning for your kids, or owning a home, with a simple financial plan.

NRI Diversified Low-Cost Investing Strategy

Diversified Investing

We help you invest in mutual funds, debt instruments, and international ETFs with a focus on low-cost investing.

NRI Tax-Aware Investment Planning DTAA

Tax-Aware Planning

We help you make the best investment decisions based on Indian taxation rules as well as the tax implications for Non Resident Indians.

RNOR Status Tax-Efficient Exit Planning NRI

Taking Advantage of RNOR Status

Returning NRIs in RNOR status can plan the exit from existing investments outside India in a tax efficient manner where capital gains from investment can be minimized.

Wealth Crafts offers Value and Premium fee-only NRI advisory plans covering investments, tax, insurance and retirement

Comprehensive Financial Advisory Service Packages

Value Plan

Plan for your Dreams

POPULAR

₹25,000

A complete plan to secure your future and grow your wealth.

  • Suitable for the Family Man
  • Networth upto 5 crore
  • Risk Profiling
  • Life & Health Insurance
  • Review of Existing Insurance
  • Emergency Planning
  • Investment Strategy
  • Review of Existing Portfolio
  • Goal Based Financial Planning
  • Retirement Planning
  • Knowledge Sharing Sessions
  • Excel Based Execution Tracker
  • Quarterly Review
  • Webinar Access
  • Unlimited Support
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Premium Plan

Designed for Sophisticated Investor

₹35,000

Advanced planning for high-value financial growth and management.

  • For the Sophisticated Investor/NRIs
  • Networth 5 crore to 10 crore
  • Everything in Value Plan
  • Life Centered Financial Planning
  • Tax Loss Harvesting
  • NRO/NRI Planning
  • Debt Management
  • Net Worth Analysis
  • Asset Allocation Strategy
  • Portfolio Rebalancing
  • Household Cash Flow Management
  • Importance of Will & Estate Planning
  • Excel Based Execution Tracker
  • Quarterly Review
  • Webinar Access
  • Master Document for Family
  • Unlimited Support
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Comprehensive NRI advisory service with financial plan, asset allocation, portfolio review and repatriation guidance

What You Get from Our NRI Financial Advisory Service

Our service gives you a clear and usable financial plan, not just general advice.

You receive a detailed financial plan that explains your goals, finances, and priorities. It outlines clear next steps so you can take informed financial decisions.

We guide you on how to divide your investments across India and global options. This helps balance growth, risk, and stability based on your goals.

We review your current investments to find gaps, risks, and mismatches. This helps improve your portfolio and align it with your financial goals.

We suggest suitable mutual funds, deposits, and other options based on your plan. Our guidance stays simple, clear, and focused on your needs.

We help you understand NRE and NRO accounts and how to use them. This makes managing and transferring funds across countries simple and clear.

You get a simple tool to track your investments and follow your plan. It helps you stay organized and take action without confusion or delay.

Is This NRI Advisory Service Right for You?

Financial planning for NRI professionals earning abroad while managing investments, accounts and goals in India
NRI Global Professional Financial Advisory

The Global Professional

Earning abroad while managing finances in India

Structured financial plan for returning NRIs covering RNOR tax benefits, repatriation and India re-settlement goals
Returning NRI Early Financial Planning Advisor

The Returning NRI

Planning return and organizing finances early

Fee-only financial plan for NRIs managing family expenses, insurance and long-term financial responsibilities in India
NRI Family Financial Support Planning

The Family Supporter

Handling expenses and responsibilities for the family in India.

Wealth Crafts provides clear, unbiased NRI financial advice on investments, taxes and cross-border financial structure
NRI Unbiased Investment Guidance Fee-Only

The Confused Investor

Unsure about investments, taxes, and financial structure

Why Fee-Only NRI Advisory Is Important?

At Wealth Crafts, we follow a strict fee-only model. We earn only from you, never from product commissions. Every recommendation is unbiased, clear, and fully aligned with your goals. We focus on what matters most, growing, protecting, and simplifying your cross-border finances so you can plan with confidence and peace of mind.

Fee-Only Advisor (Wealth Crafts) Commission-Based Adviser
Source of income Paid directly by client Paid through product commissions
Charges No hidden charges Charges may influence advice
Basis of recommendations Advice based on your needs Advice may vary by product
Responsibility Acts in your best interest Not always obligated
Transparency Clear and open process Limited transparency

As a SEBI Registered Investment Adviser (Registration No. INA000018328, we follow strict guidelines to always act in your best interest.

NRI Financial Planning

Start Your NRI Financial Plan with Wealth Crafts

Managing money across countries does not have to feel complicated. With the right plan, you can stay in control and move forward with confidence.

Speak with a Wealth Crafts Expert for a clear and honest discussion about your finances.

Schedule Your Free Consultation

Common Queries About NRI Financial Planning & Service

Book a consultation with Wealth Crafts, an NRI financial advisory service in India. We help you connect your Indian and foreign finances with a structured plan.

NRI financial advisory focuses on cross-border challenges, including tax rules, repatriation, and dual financial systems, ensuring your global finances stay clear and compliant.

A comprehensive NRI financial advisory service includes investment planning, portfolio review, asset allocation, tax guidance, insurance advice, and repatriation support.

Yes, as a SEBI Registered Investment Adviser, Wealth Crafts provides transparent NRI financial advisory services tailored to your goals.

Yes, NRI financial planners review property investments, guide purchases and sales, and ensure real estate decisions align with your financial goals.

Repatriation rules can be confusing. Our NRI financial advisory team explains RBI regulations, NRE/NRO accounts, and safe fund transfers between countries.

We assist you in investing in cost-effective, goal-based investments such as mutual funds, fixed deposits, and overseas investments, depending on your risk profile.

We suggest assessing your financial plan every quarter/half-year or any time there is a major change in life, market conditions, or changes in tax laws.

We assist you in creating a comprehensive plan for a comfortable retirement, taking into consideration your current lifestyle, future plans, and expenses while living abroad.

We don’t provide tax filing, computation or legal services. But we assist you in tax planning strategies to minimize taxes legally.

Yes, you can invest in India. We assist you in investing in India while living abroad, providing you with information on NRE/NRO accounts.

SEBI's mandatory disclosure requirement

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