Avinash Luthria

Fee-Only (Advice-Only) Financial Planner & SEBI registered Investment Adviser

First and only Fee-Only (Advice-Only) RIA in India with prior (buy-side) investment work-experience
First and only Fee-Only (Advice-Only) RIA in India with a two-year, full-time (i.e. flagship course) MBA from a top-3 (/ top-4) IIM
First and only Fee-Only (Advice-Only) RIA in India to recommend only Index Funds i.e. a purely 'passive' investment approach (not Smart-Beta / Factor Funds and other such 'active' investment approaches that pretend to be a 'passive' investment approach) and also, to recommend a purely 'passive' investment approach starting from the first client
First Fee-Only (Advice-Only) RIA in India to transparently disclose the targeted number of hours of effort per client on my website i.e. to use an hourly-fee approach
First Fee-Only (Advice-Only) RIA in India to explain and use a conservative Zero-Real-Returns approach to financial planning
Joint-First Fee-Only (Advice-Only) RIA in India to use the Customized (12-17 hours during the first-six-months) process which is the opposite of the (4-hours during the first-six-months) Robo++ Process
First Fee-Only (Advice-Only) RIA in India to explain and use the risk-averse insight that equity is risky even in the long term
Among the first-ten Fee-Only (Advice-Only) RIAs in India

Investor with 20 years of experience including 12 years as a Private Equity / Venture Capital investor
- Previously, a decade as a Partner and one of the five members of the founding team at a top 5-10 independent Indian Private Equity & Venture Capital fund (that fund has Assets Under Management of USD 400+ million ; Rs 2,800+ crore)
SEBI registered Investment Adviser (RIA; registration number INA200011125)
This registration mandates that RIAs follow a Fee-Only Investment Advisory revenue model and where the RIA is a fiduciary i.e.
- RIAs should put the client’s interest ahead of his own interests
- RIAs owes the client reasonable duty of care
- The spirit of this regulation is that RIAs should provide the service as a profession and not as a business

Two-year, full-time (i.e. the flagship course) MBA from Indian Institute of Management Bangalore (IIMB), focusing on Finance & Strategy (2000-2002)
Certified Financial Planner (CFP)
Bachelor of Engineering (Computer Science & Engineering) from RV College of Engineering, Bangalore

Based in Bangalore but clients could be in any city e.g. Mumbai, Chennai or an NRI who is resident in the US / UK / Singapore / the Middle East but who is likely to eventually retire in India
My LinkedIn profile: https://www.linkedin.com/in/avinashluthria/
Video: YouTube video about Misconceptions about Early Retirement