Financial planning services in Bangalore
Goal-based financial planning for individuals, families and business owners — investments, protection and borrowing tied into one roadmap you can actually follow. Led by Srinivas Kambhampati, with 20+ years inside banking.
What financial planning actually means here
Most people meet a “financial planner” and leave holding a product. A plan is the opposite of that: it starts with your goals and works backwards to the money, and the product is the last thing decided, not the first.
A Rytvae plan answers five questions in writing — where your money goes today, what would happen to your family if your income stopped tomorrow, what each goal will cost by the year it arrives, how much you need to invest each month to get there, and how that money should be split between equity and debt so you can hold the plan through a bad market rather than abandon it.
What is covered
Goal mapping
A home, a child’s education, retirement, a sabbatical — each costed at future value, each with its own timeline and its own pot. Not one vague number.
Protection gap check
Term and health cover sized against your actual liabilities and dependants, before a single rupee goes into an investment.
Asset allocation
An equity-debt split matched to your horizon and temperament, written down at the start with a rebalancing rule — the decision that drives most of your outcome.
SIP & step-up plan
A monthly figure you can sustain, with an annual increase tied to your increment so the plan grows as your income does.
Tax efficiency
Section 80C through ELSS where it fits, capital-gains awareness on redemption, and old-versus-new regime arithmetic run on your numbers.
Review & rebalance
Markets move and so does life. Periodic reviews pull the portfolio back to the allocation you agreed, instead of letting it drift.
Who we work with in Bangalore
- Salaried professionals in IT and services who have income but no structure — scattered SIPs, an insurance policy sold as an investment, and no idea whether any of it adds up to retirement.
- Families planning around school fees, a home loan and ageing parents at the same time, where protection matters as much as returns.
- Business owners whose personal and business finances have blurred, and who need working capital, personal investments and succession looked at together.
- People approaching retirement who need to convert a corpus into a monthly income through SWP without running out.
How we invest — and what you will never get
We run portfolios on low-cost, broadly diversified lines: cost is what you can control, allocation matters more than scheme selection, and time in the market beats timing it. You will not get a market call, a new fund offer pitched as a ground-floor opportunity, portfolio churn dressed up as active management, or an insurance policy positioned as an investment. Read more about the approach.
Frequently asked questions
What does a financial planning service in Bangalore actually cover?
A cash-flow and goal map, a protection gap check across life and health cover, an equity-debt allocation written down with a rebalancing rule, and periodic reviews. Implementation happens through regular mutual fund schemes, as an AMFI-registered distributor.
Is the first consultation free?
Yes, and it carries no obligation. We use it to understand your goals and to see whether we are the right fit.
Are you a SEBI-registered Investment Adviser?
No. Rytvae Consulting is an AMFI-registered mutual fund distributor (ARN-265474, EUIN E091320) and an IRDAI-regulated insurance intermediary. Any assistance offered is incidental to distribution. For fee-only advice, approach a SEBI-registered Investment Adviser.
How much do I need to start?
An SIP can begin at Rs 500 a month. Starting early matters far more than starting big.
Where are you based?
G 103, Mantri Alpyne, Banashankari 5th Stage, Bengaluru 560061. We meet in person, by phone or over video.
Start with a free consultation
You leave with a clear view of where you stand — whether or not you work with us.
Rytvae Consulting — AMFI Registered Mutual Fund Distributor (ARN-265474), EUIN E091320. Rytvae Consulting is a distributor of mutual fund and insurance products and is not a SEBI-registered Investment Adviser. Any assistance offered is incidental to distribution.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance may or may not be sustained in the future and is not a guarantee of future returns. Insurance is the subject matter of solicitation. See our full disclosures and disclaimers.