Wealth Management · HNI & UHNI

Preserve, Grow, & Transfer Your Legacy

India's most comprehensive wealth management service — combining sophisticated multi-asset portfolio management, estate planning, tax optimisation, and family office services for HNIs and UHNIs with ₹1 crore+ investable assets.

₹2400Cr+
Total AUM Managed
420+
HNI/UHNI Families
18.4%
Avg Portfolio CAGR
18+ Yrs
Proven Track Record
Portfolio NAV
₹24.6Cr
+₹4.2Cr this year · +20.6%
Multi-Asset Portfolio Dashboard
Live Portfolio
24.6Cr
Portfolio
Equity & PMS40%
Debt & Bonds25%
Alternates / AIF20%
Real Estate10%
Gold / SGBs5%
XIRR (5 Year)
18.4% ▲ vs 12% benchmark
Alpha Generated
+6.4% annually
Max Drawdown
-11.2% managed
Sharpe Ratio
1.84 Excellent
Tax Saved FY 2025-26
₹38.4L
Legal tax optimisation strategies
NIFTY 50 ▲ 24,284 (+0.82%) · SENSEX ▲ 80,116 (+0.76%) · GOLD ▲ ₹73,200/10g (+0.4%) · USD/INR ▼ 83.42 · 10Y G-SEC 6.98% · NIFTY MIDCAP ▲ 51,840 (+1.2%) · NIFTY 50 ▲ 24,284 (+0.82%) · SENSEX ▲ 80,116 (+0.76%) · GOLD ▲ ₹73,200/10g (+0.4%) · USD/INR ▼ 83.42 · 10Y G-SEC 6.98% · NIFTY MIDCAP ▲ 51,840 (+1.2%) ·

What Wealth Management Really Means

Wealth management is not simply investing money. It is the comprehensive orchestration of your entire financial life — combining investment strategy, tax planning, estate architecture, business succession, and risk management into one cohesive strategy.

"For HNIs and UHNIs, the greatest financial risk is not poor investment returns — it is poor coordination between their investment advisor, tax consultant, legal advisor, and insurance broker. Wealth management integrates all four into one seamless strategy."

At Wealth Bridge, we serve as your single point of financial intelligence — coordinating every aspect of your financial life, proactively managing risk, and ensuring your wealth serves every purpose you intend: growth, income, protection, and legacy.

Start Wealth Management View Plans

INVESTMENT PLANNING vs WEALTH MANAGEMENT

Investment Planning
Mutual funds & stock recommendations
Basic tax deduction guidance
Annual or quarterly portfolio review
Single advisor, single domain
Standard insurance recommendations
Reactive — responds when you ask
No estate or succession planning
No family financial coordination
Wealth Management
Multi-asset portfolio (PMS, AIF, REITs, bonds)
Advanced tax structuring & optimisation
Monthly portfolio monitoring & rebalancing
Integrated team: investments + tax + legal
Comprehensive risk & liability management
Proactive — anticipates before you ask
Will, trust, succession & estate planning
Whole-family financial coordination
📊
Portfolio
📜
Estate
🧾
Taxation
🛡️
Protection

Choose Your Level of Service

Three levels of comprehensive wealth management — each with progressively deeper service, access, and personalisation.

Silver Tier
Wealth Essentials
Minimum: ₹1 Crore investable assets
Comprehensive financial plan + IPS
Multi-asset portfolio construction
Quarterly portfolio review & rebalancing
Direct equity + MF + bond advisory
Advanced tax planning (LTCG, income split)
Term + health insurance optimisation
Dedicated relationship manager
Annual estate planning review
Get Started
Ultra HNI
Family Office
Minimum: ₹25 Crore investable assets
Everything in Premier, PLUS:
Single-family office services
Multi-generational wealth planning
Business structuring & valuation advisory
Philanthropic planning & CSR structuring
Private equity & pre-IPO deal access
Full concierge financial service
Dedicated advisory council (3 senior advisors)
Annual family wealth summit
Trust & HUF structuring
Apply for Family Office

How We Build and Manage Your Portfolio

A disciplined, multi-asset approach engineered for superior risk-adjusted returns — built individually for each client, never from a template.

Sample HNI Portfolio — ₹5 Crore (Balanced Growth)
Large Cap Equity
₹1.25Cr
25%
Mid/Small Cap
₹75L
15%
AIF / PMS
₹1Cr
20%
Corporate Bonds
₹75L
15%
Real Estate / REITs
₹60L
12%
Intl. Equity / ETFs
₹40L
8%
Gold / SGBs
₹25L
5%
18.4%
Expected XIRR
+6.4%
Alpha (vs benchmark)
1.84
Sharpe Ratio

True Multi-Asset Diversification

We allocate across 7+ asset classes — equity, debt, gold, real estate, alternatives, international, and private equity — reducing correlation risk while maximising return potential.

Risk-Adjusted Returns

We target maximum Sharpe ratio, not maximum returns. Preserving capital in downturns is as important as capturing upturns — our portfolios consistently outperform on risk-adjusted basis.

Tax-Efficient Portfolio Architecture

Asset placement strategy — knowing which investments go in which account — can save ₹5–25 lakhs annually at HNI levels through LTCG harvesting, ELSS timing, and income splitting.

Dynamic Rebalancing & Tactical Allocation

Monthly monitoring with systematic rebalancing. Tactical allocation shifts during market extremes — adding equity on deep corrections, reducing on excessive valuations.

Downside Protection Strategy

Hedging strategies, defensive allocation buckets, and systematic drawdown management ensure your portfolio weathers bear markets with minimal permanent capital loss.

Build Your Ideal Asset Allocation

Adjust your investment profile and see how our wealth management team would structure your portfolio for optimal risk-adjusted returns.

Portfolio Allocation Builder
Set your profile and see your recommended allocation instantly.
Total Investable Assets ₹5 Crore
Investment Horizon 10 years
Age 45
Risk Appetite Balanced
Income Need from Portfolio No

This is an indicative allocation. Your actual portfolio will be customised in detail during your private consultation with our senior wealth advisor.

Recommended Allocation

Projected Outcomes

Expected XIRR
14–17%
5-Year Corpus
₹9.8 Cr
Risk Level
Moderate
Max Drawdown
~15%
Get My Custom Portfolio Plan

Alternative Investment Opportunities

HNI portfolios access investment opportunities unavailable to retail investors — offering superior returns, lower correlation, and meaningful portfolio diversification.

PMS (Portfolio Management Service)

Individually managed equity portfolios by SEBI-registered portfolio managers — customised stock selection with direct stock ownership and full transparency.

Min. Investment
₹50 Lakhs
Avg Historical Return
18–24% CAGR
Risk Level
High
Transparency
Full — direct hold
Min ₹50L · SEBI Regulated

AIF (Alternative Investment Funds)

Category I/II/III AIFs — venture capital, private equity, hedge funds, and structured credit — generating uncorrelated returns for sophisticated investors.

Min. Investment
₹1 Crore
Avg Target Return
20–28% IRR
Lock-in Period
3–7 Years
Diversification
Uncorrelated
Min ₹1Cr · SEBI Cat I/II/III

REITs & InvITs

Investment-grade commercial real estate and infrastructure trusts — generating stable quarterly distributions with Grade-A asset exposure from ₹200 per unit.

Min. Investment
₹200/unit
Distribution Yield
7–10% p.a.
Total Return
12–16% CAGR
Liquidity
Exchange Listed
Exchange Listed · Liquid

International Equity & ETFs

US markets, NASDAQ, European indices, and emerging market exposure — diversify beyond India's business cycle using LRS (Liberalized Remittance Scheme) ≤ $250,000/year.

LRS Limit
$250,000/yr
Key Markets
US, EU, Asia
Currency Hedge
INR depreciation
Tax (India)
20% LTCG (24m+)
Via LRS · FEMA Compliant

Sovereign Gold Bonds (SGBs)

Government-backed gold investment with 2.5% annual interest + gold price appreciation. Tax-free on maturity. Best gold instrument for HNI portfolios as part of inflation hedge.

Interest Rate
2.5% p.a.
Maturity Tax
Tax-Free
Tenure
8 Years
Max per FY
4 kg (individual)
Govt. Backed · Tax-Free

Corporate Bonds & NCDs

Investment-grade AAA/AA rated corporate bonds, PSU bonds, and structured NCDs — generating 9–12% fixed returns for the stable, income-generating portion of HNI portfolios.

Return Range
9–12% p.a.
Safety Rating
AAA/AA only
Tenure
2–10 Years
Min Investment
₹10,000
Fixed Income · AAA Rated

Estate Planning & Wealth Transfer

Building wealth is half the journey. Ensuring it passes to the right people, in the right way, with minimal tax and zero disputes — is the other half. We handle both.

Wealth Transfer Architecture
👑 Family Patriarch / Matriarch
📜 Will & Testament
Cash & FDs
MF Portfolio
🏛️ HUF Structure
Business Income
Tax Benefits
🏢 Trust
Real Estate
Future Generations
👧 Daughter
👦 Son
👶 Grandchild
💝 Charity

Will Drafting & Registration

A comprehensive, legally valid Will covering all assets — property, investments, jewellery, and digital assets. We work with qualified legal counsel to draft, witness, and optionally register your Will for maximum legal certainty.

HUF (Hindu Undivided Family) Structuring

For Hindu families, an HUF is a powerful tax-saving and wealth-building structure. A separate tax entity with its own PAN, 80C deductions, and income slabs — effectively creating a second tax-free income bucket for the family.

Trust Formation & Management

Public or private trusts for UHNI families — protecting real estate and business assets across generations, enabling controlled distribution to beneficiaries, and providing significant tax and legal protections.

Business Succession Planning

For business-owning HNIs, we create a formal succession plan: ownership transfer, management transition, business valuation, buy-sell agreements, and key-person insurance — ensuring business continuity across generations.

Nomination & Account Alignment

A comprehensive audit of all accounts, folios, demat, insurance policies, and property documents — ensuring nominations are correct, updated, and aligned with your estate plan. Many families discover critical gaps here.

From Consultation to Managed Wealth — 6 Steps

A thorough, confidential onboarding process that ensures your wealth management strategy is built on complete knowledge of your financial life.

01

Private Consultation

Confidential 90-min meeting with our Senior Wealth Advisor. No forms, no pressure — just an in-depth conversation about your financial situation and aspirations.

02

Wealth Audit

Complete inventory of all assets, liabilities, insurance, tax situation, and existing investments — identifying gaps, risks, and opportunities across your entire financial life.

03

IPS Preparation

A written Investment Policy Statement — your personalised portfolio constitution defining objectives, constraints, asset allocation, and rebalancing rules. Unique to you.

04

Portfolio Construction

Building your multi-asset portfolio from scratch — selecting specific instruments, opening accounts, completing paperwork, and executing the first investments with full coordination.

05

Estate & Tax Setup

Will drafting, nomination alignment, HUF evaluation, trust assessment, and tax optimisation strategy — the full financial architecture beyond just investments.

06

Ongoing Management

Monthly portfolio monitoring, proactive rebalancing, quarterly deep-dive reviews, annual IPS updates, and a dedicated advisory council always available for your evolving needs.

Wealth Management for Every Affluent Profile

We serve HNIs and UHNIs from diverse backgrounds — each with a strategy built entirely around their unique situation, goals, and family needs.

💼

Senior Corporate Executives

ESOPs, RSUs, high salaries, and a complex tax situation. We manage equity concentration risk from employer stock, optimise ESOP exercise strategy, and build a diversified portfolio beyond company exposure.

Typical AUM: ₹2–10 Crore
ESOP Planning Salary Optimisation Deferred Compensation
🏢

Business Owners & Entrepreneurs

Irregular income, business reinvestment decisions, personal-business finance separation, and succession planning. We build personal wealth independent of business valuation and create a succession plan that protects both.

Typical AUM: ₹5–50 Crore
Business Succession Personal-Biz Split HUF Structure
⚕️

Medical Professionals & Specialists

High-income professionals with practice income, hospital shares, and limited time for financial management. We handle everything — from clinic income tax optimisation to retirement planning — so you focus on patients.

Typical AUM: ₹3–15 Crore
Practice Income Professional Cover Tax Optimisation
🌏

HNI NRIs & Returning Indians

Managing India wealth from abroad — NRE/NRO portfolios, FEMA compliance, DTAA planning, and transition from NRI to RNOR/resident status. We handle all cross-border complexity with complete compliance.

Typical AUM: ₹2–20 Crore
FEMA Compliance RNOR Planning Repatriation
🏆

Inherited Wealth Families

Second and third generation wealth — often in suboptimal structures (FDs, land, gold). We modernise, restructure, and professionalise inherited wealth portfolios while maintaining family harmony and tax efficiency.

Typical AUM: ₹5–100 Crore+
Trust Structuring Family Governance Portfolio Modernisation
🚀

Startup Founders & Angel Investors

Liquidity events, ESOP windfalls, angel portfolio management, and planning for the next venture. We manage the full cycle — from pre-liquidity planning to post-exit wealth deployment into a permanent portfolio.

Typical AUM: ₹3–50 Crore
Pre-Liquidity Plan Post-Exit Deployment Angel Portfolio

What Our HNI Clients Say

The trust of India's most discerning investors — earned through consistent performance, complete transparency, and exceptional service.

★★★★★
AUM ₹18 Crore

"After 15 years with a large bank's wealth management arm, I moved to Wealth Bridge. The difference is night and day. My previous bank recommended their own products — fee-loaded, opaque, and underperforming. Wealth Bridge has generated 21% CAGR over 6 years, saved ₹48L in taxes, and created an estate plan my family actually understands. I only wish I'd switched earlier."

RV
Rajiv Verma
MD, Manufacturing Company · Delhi NCR · 6 Years Client
★★★★★
AUM ₹42 Crore

"When our family business was acquired for ₹38 crore, we had no idea how to deploy that capital. Wealth Bridge managed the entire transition — from the escrow period, to tax planning on the sale, to building a ₹42 crore diversified portfolio from scratch within 18 months. The estate planning and HUF structuring they recommended will save our family ₹3+ crore in taxes over the next decade."

SP
Suresh & Pallavi Desai
Business Exit · Ahmedabad · 4 Years Client
★★★★★
AUM ₹9 Crore

"As a surgeon, I have zero time for financial management. Wealth Bridge is genuinely like having a CFO — they handle everything proactively, alert me to opportunities before I even know they exist, and have never once recommended something that benefitted them at my expense. My ESOP exercise strategy alone saved ₹1.4 crore in tax this year. Completely changed how I think about wealth management."

DM
Dr. Deepak Mehta
Cardiothoracic Surgeon · Mumbai · 5 Years Client

Wealth Management FAQs

Questions we hear from HNIs who are evaluating whether wealth management is right for them — answered honestly.

Schedule Private Consultation
What's the difference between a wealth manager and my bank's relationship manager?
Bank relationship managers earn commissions on the products they sell — creating an inherent conflict of interest. They typically recommend the bank's own products regardless of whether they're best for you. Wealth Bridge is a SEBI-registered fee-only advisor — we charge you a transparent advisory fee and have zero incentive to recommend any specific product. Our only objective is maximising your risk-adjusted after-tax returns. Independent advisors consistently outperform bank-recommended portfolios by 3–5% annually according to multiple studies.
How much do you charge for wealth management?
Our fees are fully transparent and disclosed upfront — no hidden charges, no commissions. We charge an annual advisory fee based on AUM: typically 0.5–1% per annum for portfolios above ₹1 crore. This covers comprehensive portfolio management, tax planning, estate planning reviews, and all advisory services. At the Premier and Family Office tier, fees are structured individually based on the complexity of services. The value we typically generate — through tax savings, alpha, and avoided mistakes — significantly exceeds the fee, in virtually every case.
I have ₹2 crore. Is that enough for wealth management?
Yes — our Wealth Essentials tier begins at ₹1 crore investable assets. At ₹2 crore, you have access to our full Essentials service including multi-asset portfolio, comprehensive tax planning, estate planning review, and a dedicated relationship manager. As your portfolio grows, you naturally move to higher service tiers with deeper personalisation. Many of our longest-standing clients started at ₹1–2 crore and now manage ₹10–50 crore with us.
Can you manage my portfolio if it includes a family business?
Absolutely — and this is where our value is most significant. Business-owning families need explicit separation between business capital (for reinvestment and operations) and personal capital (for wealth, retirement, and legacy). We help you define this boundary clearly, optimise the business structure for tax efficiency (HUF, family trust, etc.), and build a personal portfolio that's completely independent of business fortunes. We also work on succession planning to ensure the business and personal wealth transfer smoothly to the next generation.
How is my portfolio performance measured and reported?
You receive a comprehensive monthly performance report showing: absolute returns, benchmark comparison (XIRR vs Nifty 50), individual asset performance, risk metrics (Sharpe ratio, max drawdown, beta), tax impact of transactions, and goal progress. We use XIRR (Extended Internal Rate of Return) — not simple returns — for accurate measurement of cash flows in and out. Quarterly video review calls with your senior advisor provide deeper context and forward planning.
Do you handle estate planning, or just investments?
We handle both — and this integration is what differentiates true wealth management from investment management. At the Premier and Family Office tiers, we coordinate with qualified legal counsel to draft Wills, evaluate trust structures, assess HUF opportunities, and align nominations across all accounts. For business owners, we build formal succession plans. Estate planning is not an add-on — it's a core part of the wealth management mandate for every HNI client.

Your Wealth Deserves
More Than Generic Advice

Schedule a private, 60-minute wealth management consultation with our Senior Advisor. No obligations, complete confidentiality. We'll review your current situation and show you exactly what a comprehensive wealth management strategy can do for you.

SEBI Registered RIA
Fully Confidential
₹2,400 Crore AUM
420+ HNI Families
18+ Years Track Record