Advise · 02 · Judgment, accountable

Judgment youcan audit.

A SEBI-registered advisor plans against your complete picture, with Leo — the always-on analyst — watching it between reviews. Every recommendation carries its context, constraints and reasoning.

Join the founding cohort Next: Alpha →

Sheet 02 · What you get

AD / 03 disciplines

A plan tailored to you, not the brochure.

AD · 01Analyse

Your portfolio, read three ways — before anything is recommended.

Classic analysis — asset allocation and goal readiness against your real horizons

Advance analysis — Core & Satellite view of what carries the household and what rides along

AD · 02Plan

A strategy built around you — one of 36 profiles, not one of 3.

PCR Triangle — Preferences, Capacity and Requirements set the plan

Goal Distiller — re-weights what to fund now and what to defer as life moves

AD · 03Protect

Decisions that outlive the moment — and the person who made them.

Will Builder — a professional-grade will drafted in minutes

In-person advisory — a SEBI-registered fiduciary for the calls that need a human

Most families own products, not a plan. The full picture becomes a strategy — reviewed by a fiduciary, not a salesman.

How advice is given

Context first. Decision second. Record always.

Profile

KYC, suitability and risk profiling come before any recommendation. Sanjit Singh, SEBI RIA INA100015115, anchors the advisory relationship.

Plan

Goals are mapped against the ledger — education, property, retirement — each with a funding path, a review date and a named owner.

Act & record

Leo drafts, the advisor decides, you approve. The system files each decision with its reasoning — an audit trail your family owns.

Model · Fee-onlyAdvisor · SEBI RIARecord · Every decision

The PCR Triangle · liveInteractive

PREFERENCES3

CAPACITY3

REQUIREMENTS3

P3 · C3 · R3Profile 15 / 36Balanced · Balanced blend

Move the sliders. Your plan is one of 36 profiles — not one of 3. Illustrative; the real profile follows KYC and risk assessment.

The Goal Distiller · interactive

Toggle goals ↓

Fund what matters. Defer what can wait.

Total target₹13.2 Cr

Combined monthly commitment₹—

First goal lands—

Assumes 11% p.a. blended, monthly compounding — illustrative only, not advice.

See it in motion

Advice, as it actually happens.

Leo watches the household between reviews and drafts the analysis. Your advisor decides. You approve. Every exchange is filed with its reasoning — an audit trail your family owns.

LEO

Monitors drift, idle cash and obligations. Drafts, never decides.

RIA

Sanjit Singh, SEBI RIA INA100015115, reviews and recommends.

YOU

Nothing moves without your approval. Nothing is forgotten after it.

Advise · Sharma householdLive

Leo · drift alert

Equity has drifted +3.2 pts above target after the rally. Rebalancing now would realise ₹1.2 L in gains — within this year's tax budget.

You

What happens if we wait until April instead?

Leo

Waiting defers the tax to FY27, but holds the household 3 pts over its risk band for ~5 months. I have drafted both options with the numbers for Sanjit.

Sanjit · SEBI RIAAdvisor-reviewed

Recommend option B: trim 2 pts now, rebalance the rest in April. Keeps you inside the band and under the tax budget. Filed with reasoning — approve when ready.

Approve option BFiled · DEC-14 · #A2041

Illustrative conversation. Advice follows KYC and risk profiling.

Put the full picture in front of a fiduciary.

45 minutes with an accountable advisor. A clear next step either way. For 1Modulor Black, schedule a private conversation.

Join the founding cohort Next: Alpha →