Blogs

Articles on fee-only advice, investor alignment, and the thinking behind my advisory practice.

The Card in Your Wallet Is Not the Problem

By Hariharan

A practical explanation of billing cycles, minimum dues, and why disciplined credit card use can protect cash flow instead of quietly compounding expensive debt.

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The Man Who Came the Next Morning

By Hariharan

A story about bank-led mis-selling, ULIPs, and how institutional trust is often converted into product sales before families know what they are signing.

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The Insurance Policy I Couldn't Say No To

By Hariharan

A close look at how savings-linked insurance policies quietly trade away protection, liquidity, and long-term wealth when compared with keeping insurance and investing separate.

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Why I Became a SEBI Registered Investment Adviser (RIA)

By Hariharan

A personal explanation of why I moved away from commission-led distribution and chose a fee-only, fiduciary advisory model built around client interests.

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