Money is a complex human invention, that ends up engaging both our cognitive and emotional aspects. We believe we will be rational and act in our best interests. However, often a professional advisor can work best to guide us in a way that we make the best use of money. Also, the Indian financial landscape is constantly evolving. In our busy lives, it can often be difficult to read through the lines or even keep updated with it. Hence, outsourcing this critical aspect is a good decision.

Financial planning is not synonymous with an investment advisor or wealth management. Those two aspects form just one part of the job. However, a core aspect of your journey with Elementum Money would be about getting a consolidated picture of where you stand with respect to money, where you want to go, charting a prudent path towards it and ideally starting a long-term relationship to traverse the journey together. In this way, you should be able to find a way to make a start towards savings and investing as well.

Life stage is inconsequential, earlier the better. Elementum Money, as the name states, stands for the basic elements of money. If you are looking for a simple, no-nonsense approach to managing your financial life, then Elementum Money is for you. However, if you are looking out for the newest innovations and products with brag value or going unsustainably high on risk, there might be other providers who will work better for you.

If you have read Our Process, then you would know that the process of working with Elementum Money starts with a bare-it-all approach. The idea is to bring the threads of your financial life together into an integrated picture to then pivot from there. To do that process effectively, it is important to be able to have everything on the table.

Most of the financial industry works on a commission basis the products they sell. In our view, this makes the advisor highly biased to selling the product rather than a need-based approach for the client. A fee-only financial planner is an advisor who works in a fiduciary capacity keep solely the investor interests in mind. Hence, the only revenue generated is the fees charged to the client.

In 2013, SEBI devised regulations for a new class of advisors named RIA or Registered Investment Advisors. The main aspect was the idea that they would be compensated only by investors, making them answerable to them rather than work on the basis of commission. Today, there are high educational requirements as well as continued certifications required of them. Not just that, SEBI has strict regulations for them making them much safer for investors.

Elementum Money is an individual RIA. Hence, all interactions are done with the founder, Aparna Aggarwal.

Yes, Elementum Money offers the option of investing on your behalf in Direct Mutual Funds. All investments would be done by you, which would also involve any verifications required for the transaction. We will simply be the people to route it.

Elementum Money is born of a passion to simplify and streamline money decisions for people. If you believe you have been a zombie about money or you are at a crossroad, come have a chat. You will understand your conundrum better and know if this is the right choice for you. You could also read a detailed story of how we got here to give you a better idea of what Elementum Money stands for.

Elementum Money is a fee-only financial planner and advisor. Hence, the only source of revenue generation is through the fee charged to clients.

We make custom plans depending on the requirement as per our discussion. However, most plans fall under the bracket of Rs. 10,000 – Rs. 50,000 per annum.