Skip to Content

personal finance


Personal Financial Planning | AIO Wealth Advisory

Systematic Personal Financial Planning

Plan your future with India's fee-only financial mentors. We blend education, technology, and unbiased guidance to build a clear, actionable roadmap for your wealth.

Book Your Discovery Call

Our 4 Pillars of Structured Planning

Goal Assessment

We define your short, mid, and long-term financial goals (Retirement, Child Education, Wealth Target) with quantitative precision.

Risk & Resource Mapping

We analyse your current assets, liabilities, cash flow, and risk tolerance to map resources systematically to each goal.

Strategy & Implementation

Designing a customised plan encompassing asset allocation, insurance, debt management, and tax-efficient investing (AIO Research-driven).

Review & Optimisation

Annual or bi-annual reviews to track progress, rebalance the portfolio, and update your plan based on life or market changes.

Why Choose AIO for Your Financial Roadmap?

Unbiased, Fee-Only Ethos

Our approach ensures 100% alignment with your financial goals. We recommend what’s best for you, not what earns us commissions.

  • No Product Push, Only Advice
  • Transparent Process and Documentation
  • Ethical Wealth Creation Philosophy

Education-First Advisory

As educators-turned-advisors, we believe in empowering you to make informed financial decisions through clarity and financial literacy.

  • Integration with AIO Finance Academy
  • Goal-Based, Scientific Allocation
  • Data-Driven Insights
Regulatory Status: AIO Capital Investment Services is actively pursuing registration/authorisation under the SEBI (Investment Advisers) Regulations, 2013 and the SEBI (Research Analysts) Regulations, 2014, and is working toward the Certified Financial Planner (CFP) licence. As of today, we are not a SEBI-registered Investment Adviser or Research Analyst, nor a CFP licence holder. We have, however, cleared the requisite examinations administered by FPSB India (CFP pathway) and NISM. We are presently registered with AMFI and provide suggestions limited to mutual fund products. Until the aforesaid authorisations/licences are granted, we do not manage or handle any client funds in any manner or form (of any amount).
Retirement Planning