I am Yash Agarwal, currently a Consultant at JP Morgan Chase. Independent counsel for Indian households across Indian equities, mutual funds, insurance, other investment vehicles — and a decade of on-book crypto trading. Fee-only. Direct-plan. Nothing to sell.
One person, one fee, one written plan — covering every part of an Indian household balance sheet.
Active trader since the early Bitcoin years — through three bear markets and four halving cycles. Spot and derivatives across BTC, ETH and a curated long-tail. Risk-first, position-sized, and rule-bound — not punt-bound. India tax-aware exits.
Bottom-up Indian equity research with a bias toward owner-operator businesses, cash conversion, and managements that under-promise. Concentration over closet-indexing.
Direct-plan portfolio construction across equity, debt, hybrid, and international. SIP architecture that survives bear markets and life events without you babysitting it.
Sovereign gold bonds, REITs, InvITs, structured debt, NPS, and PPF — used as instruments, not as defaults. The portfolio earns the holding, not the other way around.
Insurance is a cost, not an asset. Pure-term life, family floater health with the right room-rent and disease sub-limits, and personal accident cover — sized to your dependants, not to my brokerage.
Most "advice" in India is sales. I am not a distributor — I do not earn a rupee when you buy a mutual fund, a policy, or a stock. The retainer is the retainer. The plan is the plan.
A 30-minute conversation about your goals, dependants, cash flows, and what already exists. No pitch.
A written read of your current holdings, mutual funds, insurance policies, and tax posture. We name what to keep, exit, or restructure.
A multi-asset plan across equities, debt, gold, crypto, and protection — written in plain English with numbers, not jargon.
Quarterly review calls, year-end tax positioning, and ad-hoc support when the market or your life does something unexpected.
Flat fees, written contracts, no kickbacks. The retainer is the retainer.
Single-pass review of your full balance sheet, mutual funds, insurance, and tax posture. Written report within 10 working days.
Request audit →Audit plus written allocation plan, quarterly reviews, year-end tax positioning, and ad-hoc calls. Most clients land here.
Request engagement →For active equity and crypto traders. Over-the-shoulder reviews, position sizing, and a shared written risk framework.
Request trader desk →I work as an independent counsel, not as a distributor. I do not earn commissions on the products you choose. Documentation, credentials and registrations are shared on the first call.
No. Your demat, broker, and bank accounts stay yours. I advise; you execute. For active traders I also offer over-the-shoulder review sessions.
A flat annual retainer based on engagement scope — not a percentage of your portfolio. The fee is the fee; no kickbacks, no trail.
Yes. Most first engagements start with sorting out term insurance, health cover, an emergency corpus, and a first SIP — long before we discuss equities or crypto.
Email or text the number below. I reply within a working day and we put a 30‑minute discovery call on the calendar — no obligation, no pitch.