Advisory
Wealth accumulated without a structure for its protection, growth, and eventual succession is wealth exposed.
Investment advisory at Cogent Professionals is not portfolio management in isolation — it is wealth planning from the vantage point of chartered accountancy. Every recommendation is evaluated through the lens of your tax position, your succession requirements, and your regulatory obligations across jurisdictions — not just expected returns.
Goal-Based Financial Planning
Articulating your financial goals (retirement corpus, children's education, succession, philanthropy) and building an investment strategy with timelines and milestones.
Tax-Efficient Investing
Portfolio structuring to maximise post-tax returns: tax-loss harvesting, LTCG/STCG optimisation, Section 80C/80D/54F utilisation, and tax-exempt instrument selection.
Asset Allocation Advisory
Objective-driven allocation across equity, debt, gold, real estate, and alternative assets — with rebalancing discipline and risk tolerance calibration.
HNI & Family Office Support
Consolidated net worth reporting, multi-asset and multi-institution portfolio aggregation, and advisory for family pools with multiple investment decision-makers.
NRI Investment Advisory
FEMA-compliant investment structures for NRIs: NRE/NRO account strategy, repatriation planning, DTAA benefit extraction, and India-entry investment recommendations.
Succession & Estate Planning (Inputs)
Will structure advisory, gift and inheritance tax analysis, HUF structuring, and family constitution framework inputs — in coordination with legal counsel.
ESOP Advisory
Tax planning for employees and founders exercising stock options: exercise timing, ESOP perquisite tax, and RSU/ESOP repatriation for NRI employees.
Insurance Adequacy Review
Term, health, and key-man insurance coverage assessment relative to net worth, liabilities, and business risk — to ensure no structural gap in protection.
Promoters and founders realising significant liquidity from a fundraise, secondary transaction, or business sale.
High-net-worth individuals managing ₹1 crore+ investable assets seeking CA-aligned, tax-aware advice.
NRI executives and professionals with India-based assets, properties, or family wealth pools.
Families approaching intergenerational wealth transfer needing a structured plan.
Engagement terms and fees are discussed during your first consultation, tailored to the scope and complexity of your requirements.
Discuss Your Financial Goals