Stop. Breathe.

If your wealth journey feels exciting, overwhelming, or urgent, something has drifted.

Wealth is best built slowly, patiently, and elegantly.

Considered financial planning and investment guidance for HNIs and emerging HNIs.

Start the Conversation → Read first ↓

Pune · Established 2024 HNIs.in

01The Problem

The problem is no longer
lack of information.

Earlier, investors suffered because they had too little information.

Today, the problem is the opposite. You have more information than you can use well.

Every market move, every tax rule, every global event, every product launch, every social media voice, now competes for your attention.

Some want to excite you.

Some want to scare you.

Almost all want you to keep reacting.

You get one window in life to build wealth seriously. Wasting any part of it on trial and error is expensive.

02Financial Planning

Financial planning turns noise
into structure.

A good financial plan doesn't complicate your life. It simplifies the things that matter.

It gives every rupee a role. It connects today's decisions with tomorrow's goals.

It tells you what deserves attention, what can be ignored, and what should never be touched in panic.

At HNIs.in, planning comes before products.

The plan decides the instruments -
not the other way around.

- First principle of HNIs.in

03Who We Serve

Built for HNIs and
emerging HNIs.

HNI stands for High Net Worth Individual - typically referring to individuals and families with investible assets above ₹1 crore in India, or USD 1 million internationally.

We also work with emerging HNIs: professionals, business owners, families, NRIs, and retirees who want a more serious and structured approach to wealth.

HNIs

Established investors and families who need thoughtful capital allocation, tax-aware structuring, and calm long-term guidance.

Emerging HNIs

Professionals and earners building serious wealth who want to move from fragmented products to a coherent strategy.

Business Owners

Entrepreneurs who need personal finances to work alongside business cash flows, liquidity needs, and long-term compounding.

NRIs

Clients with cross-border complexity who value clear planning, portfolio discipline, and a steady India-based advisor.

Families

Households balancing education, retirement, protection, weddings, and other long-term goals without letting chaos drive decisions.

Retirees

Investors who want stability, dignity, and intelligent drawdown planning so capital serves life rather than creating anxiety.

04The Process

From complexity
to coherence.

A calm process for turning scattered financial decisions into a structured plan.

01 Understand

We begin with your full financial picture - income, expenses, assets, liabilities, family responsibilities, existing investments, goals, fears, and blind spots.

02 Organize

We arrange the chaos into a clear financial map: what you own, what you owe, what you need, and what deserves priority.

03 Design

We build the plan - goal timelines, cash-flow strategy, emergency reserves, protection needs, asset allocation, and investment deployment.

04 Implement

We select the specific instruments that fit the plan - across mutual funds, fixed income, insurance, and specialized products where appropriate.

05 Review

We revisit the plan over time, adjust when life changes, and help you avoid emotional mistakes during market noise.

Step One · Understand

Understand

We begin with your full financial picture - income, expenses, assets, liabilities, family responsibilities, existing investments, goals, fears, and blind spots.

Step Two · Organize

Organize

We arrange the chaos into a clear financial map: what you own, what you owe, what you need, and what deserves priority.

Step Three · Design

Design

We build the plan - goal timelines, cash-flow strategy, emergency reserves, protection needs, asset allocation, and investment deployment.

Step Four · Implement

Implement

We select the specific instruments that fit the plan - across mutual funds, fixed income, insurance, and specialized products where appropriate.

Step Five · Review

Review

We revisit the plan over time, adjust when life changes, and help you avoid emotional mistakes during market noise.

hover or tap a step to read more

05Instruments

The instruments
we use.

Products are not the strategy. They are the means by which a strategy is executed.

For diversified, goal-linked wealth creation across equity, debt, hybrid, and liquid categories.

SIFs (Specialized Investment Funds) illustration

SIFs (Specialized Investment Funds) are SEBI's new category between mutual funds and PMS - for specialized strategies where the client's risk profile, goals, and suitability allow.

For stability, near-term goals, predictable cash flows, and capital preservation buckets.

For protection, continuity, and making sure one financial shock does not disturb the family plan.

Instruments

For liquidity without unnecessary redemption, where appropriate and prudently structured.

Used where appropriate for suitable investors who need a more specialized portfolio management approach.

Used where appropriate for eligible investors seeking alternative or differentiated investment strategies.

06Clients

In their words.

I work in the film industry. Siddhesh took the time to explain to me how the financial journey looks way different for different professions and then tailored the financial products to my journey. Now I get to focus on my art while my wealth compounds in the background.

Rutvik Thite

Actor / Writer

I feel like I have outsourced all my financial thinking to HNIs.in. Siddhesh explains every last detail in the clearest and simplest terms, making even complex concepts easy to understand. And he's just one call or message away whenever I need clarity.

Yash Ranjankar

Sr. AI Consultant

After retiring, I was unsure how to manage my PF money for steady income and growth. HNIs.in provided a safe and smart SWP strategy, giving me higher returns than a bank FD while ensuring my capital keeps appreciating. Their expertise and guidance have given me peace of mind in retirement.

Dhanashree

Retiree

With HNIs.in, I never feel left in the dark. Siddhesh ensures I understand every aspect of my financial plan and is incredibly responsive - always just a message or call away. That level of support is priceless.

Sai Kulkarni

Software Engineer

In a crucial area like finance, I didn't want to rely on trial-and-error. Siddhesh's expertise ensures every decision is well-informed. What I love most is how he patiently breaks down everything and is always available to address my queries.

Soham Gorade

Strategy Manager

Siddhesh's focus on clarity and responsiveness sets him apart. He doesn't just manage my investments - he takes the time to explain each decision, ensuring I'm confident and comfortable. His accessibility is truly reassuring.

Shrikant Borkar

IT Consultant

07Philosophy

Slow. Patient. Elegant.

The best financial lives are rarely built through constant excitement.

They are built through structure, patience, restraint, and repetition.

At HNIs.in, we believe serious investing should feel less like prediction and more like architecture.

Hand-drawn architectural financial plan with goals, allocations, and reserves

The blueprint clarifies priorities, defines the role of each part, and creates enough structure for patience to become practical.

Build the structure. Respect the process. Stay with the plan.

Wealth advisory is a craft, not a factory. A craftsman cannot serve everyone.

The number of clients must be limited so that attention remains real, judgment remains careful, and continuity is protected. At HNIs.in, this is intentional.

You work directly with Siddhesh.

The relationship is designed for continuity - not handoffs, not rotating relationship managers, not a new person every few months trying to understand your financial life from scratch. Either we can serve you with that level of continuity, or we should not take you on as a client. That is the standard.

08The Founder

Portrait of Siddhesh Patwardhan, founder of HNIs.in

An actuary-turned-financial advisor.

Siddhesh Patwardhan has 7 years of experience across India and Canada, advising on client assets of more than ₹120 crore.

He likes crunching numbers - but enjoys seeing their result in someone's life even more.

After years working at financial advisory firms across India and Canada, Siddhesh noticed a recurring problem: too many firms chase rapid scaling at the cost of genuine client focus.

HNIs.in was created as the opposite - a calm company. A selective financial planning studio built around continuity, thoughtful advice, and long-term client relationships.

Outside work, Siddhesh enjoys badminton and pickleball, and has a deep passion for literary fiction- his current favorites being East of Eden, 1984, and The Unbearable Lightness of Being.

Three worn paperback novels - 1984, East of Eden, and The Unbearable Lightness of Being - on a dark tabletop near a window

Certifications

NISM-Series-XA - Investment Adviser Certification Examination (Level 1)
NISM-Series-XB - Investment Adviser Certification Examination (Level 2)
NISM-Series-VA - Mutual Fund Distributors Certification Examination
NISM-Series-XXI-A - Portfolio Management Services (PMS) Distributors Certification Examination
NISM-Series-XIX-A - Alternative Investment Funds (Cat I & II) Distributors Certification Examination
NISM-Series-XIX-B - Alternative Investment Funds (Cat III) Distributors Certification Examination
NISM-Series-XIII - Common Derivatives Certification Examination (SIF)

09Begin

Start the
Conversation.

If your financial life feels scattered, noisy, or overcomplicated, the first step is not another product.

The first step is a calm conversation.

WhatsApp Siddhesh → Email Siddhesh →

sid@hnis.in

+91 72762 91411