For your life to go big, your advisory should give up on scale and be focused.
One advisor. Years of accumulated context. No rotating relationship managers.
HNIs.in is deliberately small because financial advice begins to change when the person who earned your trust is no longer the person actually advising you.
02Scale
The founder may be brilliant. That matters less if you rarely speak to the founder.
How most firms solve growth
- Hire relationship managers.
- Write better SOPs.
- Build stronger systems.
- Promise it is all still supervised from the top.
SOPs keep the paperwork consistent. They can’t tell a new relationship manager that this client says “aggressive” but sold everything in March 2020.
We don’t think it is.
03Information pollution
If we looked at your last ten years of financial decisions, would we see a coherent strategy — or ten years of headlines?
Always something demanding action
- A new fund.
- A hot sector.
- Gold after a rally.
- An IPO everybody seems to have received except you.
- A banker with an “exclusive opportunity.”
- A friend whose portfolio is apparently up 42%.
Our hierarchy, in four questions
- 01What matters?
- 02What is merely interesting?
- 03What deserves monitoring?
- 04What should actually change the portfolio?
HNIs.in is the filter between the noise and your financial life.
04Deliberately small
Small enough to still care about the strange stuff.
- i.Regular reviews of your plan and asset allocation.
- ii.The same advisor, who already knows your history.
- iii.A call before you have to make one.
- iv.Room for unusual problems, even with no product to sell.
05Abundance
Abundance is personal.
The industry treats wealth as one destination. Most people’s lives aren’t built that way.
- security
- freedom
- an unusual career risk
- supporting family
- an obsession
- saying no more often
A good financial plan should protect and enlarge your individuality, not standardize it.
06Investment philosophy
Most investors do not suffer from too little activity.
We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.
Great fortunes are usually built on restraint
- IResisting fashionable ideas.
- IIRefusing to overpay.
- IIIHolding through boredom.
- IVLetting compounding run, uninterrupted.
A family may need only one serious investor in its lineage to permanently change its financial arc.
07Risk
Risk does not live inside an investment alone.
We can ride out volatility, but we never get a chance to undo a permanent loss.
We do not define risk simply as volatility.
What matters is permanent loss of capital, through:
- (i)paying too much,
- (ii)sizing something badly,
- (iii)misunderstanding what you own,
- (iv)or letting one decision matter far too much.
A large part of good advice is simply keeping you away from bad ideas.
08The mathematics of saying no
We worry more about bad investments than missed ones.
Pulak Prasad’s arithmetic, from What I Learned About Investing from Darwin: 4,000 investments, 1,000 of them good, a 20% error rate both ways.
Share of investments made that turn out good
The industry runs on the fear of missing out.
We’d rather you learned the joy of it.
09Life-specific risk
There is no meaningful risk profile without a life profile.
A daughter’s education, three years away
vssomeone investing for twenty
Different horizons
Different weight
An artist with volatile earnings
vsa government employee
Different liquidity buffers
So “What should we invest in?” is incomplete.
- i.How much?
- ii.For how long?
- iii.What if one investment decision goes wrong?
10Who this is for
For people who have become serious about the long term.
Including families living abroad, especially in Europe and the Middle East, whose money still has roots in India.
People who value
- judgmentovernoise
- continuityoverscale
- a coherent strategyoverconstantly finding something new
Less suited to
frequent tips and rapid product turnover.
Made for
a financial life growing more structured, deliberate and quiet.
11Process & instruments
Understand → Organize → Design → Implement → Review
The instruments remain subordinate to the plan.
Understand
We begin with your full financial picture, blind spots included.
Organize
We arrange the chaos into one clear financial map.
Design
We build the plan, from goal timelines to asset allocation.
Implement
We select the instruments that fit the plan, from mutual funds to SIFs, PMS and AIFs.
Review
We revisit the plan as life changes, and keep emotion out of market noise.
- 01
Understand
We begin with your full financial picture, blind spots included.
- 02
Organize
We arrange the chaos into one clear financial map.
- 03
Design
We build the plan, from goal timelines to asset allocation.
- 04
Implement
We select the instruments that fit the plan, from mutual funds to SIFs, PMS and AIFs.
- 05
Review
We revisit the plan as life changes, and keep emotion out of market noise.
12Testimonials
A Gallery of Lives
Same advisory. Different lives.
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 ThiteActor / WriterI 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 RanjankarSr. AI ConsultantAfter 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.
DhanashreeRetireeWith 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 KulkarniSoftware EngineerIn 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 GoradeStrategy ManagerSiddhesh'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 BorkarIT Consultant13Founder
He has seen the advisory industry from inside the machine.
Siddhesh Patwardhan is an actuary-turned-financial-advisor with eight years of experience across India and Canada. His overall advisory experience spans more than ₹130 crore of client assets, thousands of Indian financial plans and hundreds of Canadian ones, across dozens of professions.
He has worked inside firms genuinely trying to do cutting-edge advisory — and watched some ideas succeed beautifully while others struggled once more people, targets and layers entered the picture. That experience is a large part of why HNIs.in is deliberately small.
Siddhesh started following markets at eleven, not entirely by choice. His mother thought that, given his interest in mathematics, it might be a good idea to include him in the family’s adventures in day trading. (Sorry Mom.)
It gave him an unusually early education in a story as old as markets themselves: how sensible middle-class families can get pulled from investing into speculation, and put hard-earned money at risk in the process.
Another constant in his life is literary fiction.
Given the choice between building a gigantic firm, making considerably more money and having no time left to read, or building a smaller, excellent practice while preserving enough of his life to enjoy it, the decision is not especially difficult for him.
HNIs.in was also created to remove some of the corporate theatre that appears as organizations grow. Complicated problems are not forced into one-hour boxes, and questions do not become less important merely because there is no transaction attached to the answer.
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)
14Begin
One advisor. One coherent strategy. A long horizon.
If your financial life has become noisy, fragmented, or has quietly outgrown the way you manage it, perhaps the next step is not another product.
Perhaps it is a conversation.
— Siddhesh