Wait — Before You Go!

Book a Portfolio Health Check — ₹2,999. A 60-minute session with 25+ years expertise. Written action plan included. By appointment only.

🔒 60 minutes. Paid. 100% confidential. Written action plan included.

Expert Financial Services
You Can Afford & Trust

Clear, structured, and jargon-free sessions — delivered by an AMFI-registered Mutual Fund Distributor with 25+ years of capital market expertise, 6 NISM certifications, AMFI registration, and IRDAI licensing. Every session is personalised. Every rupee is justified.

All sessions are 60 minutes · By prior appointment only · No free consultations

✅ AMFI Registered MF Distributor ✅ IRDAI-licensed insurance agency (Life, General and Health) ✅ NISM Certified — 6 Modules ✅ SIF Certified ✅ 25+ Years Capital Market Expertise ✅ 1,500+ Families Served

⚖️ Important Regulatory Disclosure

Integrato Financial Services Private Limited is an AMFI-Registered Mutual Fund Distributor (ARN Holder) and an IRDAI-licensed insurance agency (Life, General and Health) — holding 6 NISM certifications and 25+ years of capital market expertise. All sessions are structured as insurance guidance (IRDAI-licensed), financial education & awareness, and MF distribution facilitation — delivered by a credentialled, regulated professional.

Our consultation fees are charged for: (1) Insurance guidance services under our IRDAI licence, (2) Financial awareness and education sessions, (3) Document preparation and KYC facilitation, and (4) Incidental goal-based guidance related to mutual fund distribution. We do not charge fees for investment advice on securities. Mutual fund investments are facilitated through AMFI-regulated channels, where we earn trail commissions from AMCs — not from you.

All charges are inclusive of GST. Investments in securities markets are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.

How Our Sessions Work

Every engagement begins with a paid booking. No walk-ins. No free consultations. Structured, professional, and 100% focused on you.

1

Book & Pay Online

Choose your service, pay via UPI. Instant confirmation.

2

Get Confirmed

Receive calendar invite + Zoom/Meet link within 2 hours.

3

60-Min Session

Focused consultation with Sanjeev Kumar Sharma, personally.

4

Action Summary

Written notes + actionable roadmap delivered post-session.

5

Follow Through

Ongoing support via subscription or rebooking as needed.

🧠
The Research-Backed Case
The Advisor Alpha — What You Actually Gain

Globally, research consistently shows that investors working with a qualified advisor outperform self-directed investors — not just in returns, but in behaviour, tax efficiency, and peace of mind. Here is what the data says.

3–4%
Annual Return Advantage
Vanguard's Advisor's Alpha study — advised investors earn ~3% more p.a. net of fees through better behaviour, rebalancing & tax planning
2×
More Wealth Accumulated
CIRANO research: clients with advisors for 15+ years accumulate nearly 2.7× more wealth than equivalent self-directed investors
90%
Stay Invested in Crashes
Advised investors are far less likely to panic-sell during market downturns — the single biggest wealth destroyer for DIY investors
₹20L+
Avg. Insurance Waste Prevented
IRDAI data: Indian families waste ₹20,000–₹2,00,000/yr in mis-sold insurance premiums. One audit session identifies and stops it
❌ THE DIY INVESTOR REALITY
  • Buys at market highs, sells in panic
  • Holds 8–12 overlapping mutual funds
  • Pays ₹40,000+ extra tax every year
  • Under-insured or over-paying on ULIPs
  • No written plan — just random investments
  • Retirement corpus ₹40–60L short on average
✅ THE ADVISED INVESTOR ADVANTAGE
  • Stays disciplined through market volatility
  • Clean, focused, non-overlapping portfolio
  • Saves ₹20,000–₹2,00,000 in taxes annually
  • Right insurance — adequate cover, right premium
  • Written goal roadmap updated every quarter
  • On track for retirement with corpus modelled
"The biggest risk in investing is not the market — it is the investor's own behaviour. An advisor protects you from yourself."
— Inspired by Vanguard Advisor's Alpha & Dalbar Quantitative Analysis
📅 Book Your Session Now
60-Minute Focused Sessions

Every Session Solves a Real Problem

Most Indians make the same costly mistakes — wrong insurance, no plan, excess taxes, zero retirement strategy. Each session below is built around one specific pain area and gives you a clear written roadmap out of it.

MOST POPULAR
🩺
Financial Health Check & Existing Portfolio Review
📹 Video / In-Person  ·  60 Min  ·  Health + Portfolio PDF
Who needs this
"I earn well but I don't know if I'm saving enough, if my insurance is adequate, or if my existing investments are in the right products — am I really on track?"
✅ Know exactly where you stand ✅ Portfolio reviewed ✅ Top 5 gaps identified ✅ Action roadmap
What you will receive
  • Personalised financial health score with detailed PDF report
  • Existing portfolio review — all MF, stocks, FD, bonds, ULIPs examined for performance, overlap & category fit
  • Insurance coverage gap analysis — life, health, and critical illness (IRDAI licensed)
  • Emergency fund adequacy check vs your specific lifestyle and expenses
  • Savings rate assessment — are you saving enough relative to your income and goals?
  • Top 5 financial gaps ranked by urgency with clear priority action steps
  • 30-day personalised action roadmap (written, not verbal)
RIA firms charge ₹5,000–₹15,000 for similar assessments You save ₹2,001–₹12,001
₹2,999 / one-time session
📅 Book Health Check & Portfolio Review
🛡️
Insurance Portfolio Audit
IRDAI Licensed  ·  60 Min  ·  Audit PDF
Who needs this
"I've been paying insurance premiums for years but I suspect I was mis-sold — wrong products, wrong cover, wasted money."
✅ Mis-selling detected ✅ Restructuring plan ✅ Premium savings
What you will receive
  • Policy-by-policy review of all life, health & investment-linked insurance
  • Life cover adequacy check using Human Life Value (HLV) method
  • Health insurance sufficiency analysis (individual vs family floater)
  • ULIP vs Term + MF comparison — identify if you're paying 3–5× more than needed
  • Restructuring recommendations with estimated annual premium savings
  • Written audit report with actionable steps (PDF)
Mis-selling costs families ₹20,000–₹2,00,000 in wasted premiums Avg. savings identified: ₹20,000–₹80,000/yr
₹3,999 / one-time audit
📅 Book Insurance Audit
📈
SIP & Mutual Fund Strategy Session
AMFI Registered  ·  60 Min  ·  Fund Roadmap
Who needs this
"I invest in 8 different mutual funds but I don't know if they're the right ones, if I'm over-diversified, or if I'm really building wealth."
✅ Mutual fund review ✅ Overlap eliminated ✅ SIP strategy set
What you will receive
  • Review of all existing mutual fund holdings — overlap, return, and category awareness
  • Portfolio consolidation education — understanding over-diversification and fund duplication
  • SIP amount calculation aligned to your actual income and goals
  • Category awareness education: Large Cap, Flexi Cap, Mid Cap, Debt — understanding each for your risk profile
  • Step-up SIP education — how increasing SIP 10–15% annually amplifies compounding
  • Written MF education summary with facilitation steps (PDF)
Wrong fund selection costs 2–4% returns annually over 10 years ₹10,000/month SIP difference = ₹55L+ over 20 years
₹2,999 / one-time session
📅 Book MF Strategy Session
💰
Tax Planning Education Session
FY 2025–26 / 2026–27  ·  60 Min  ·  Tax Summary PDF
Who needs this
"I pay more income tax than I should. I rush every March to invest in 80C but I don't know if Old or New regime is better for me specifically."
✅ Old vs New regime clarity ✅ Tax saving roadmap ✅ 80C optimised
What you will receive
  • Old Regime vs New Regime comparison calculated for your exact income slab
  • 80C full utilisation plan — ELSS, PPF, NPS, LIC, home loan principal
  • 80D health insurance deduction maximisation strategy
  • 80CCD(1B) — additional ₹50,000 NPS deduction awareness
  • HRA exemption, home loan interest (24b), and other deductions reviewed
  • Estimated annual tax saving calculated and written tax summary PDF
CAs charge ₹2,000–₹10,000 just for filing (no proactive planning) Typical saving identified: ₹20,000–₹2,00,000/yr
₹2,999 / one-time session
📅 Book Tax Planning Session
🌅
Retirement Planning Facilitation
60 Min  ·  Corpus Report  ·  SWP Strategy
Who needs this
"I'm 35–50 years old and I haven't seriously planned for retirement. I don't know how much corpus I need or if my EPF and savings will be enough."
✅ Corpus calculated ✅ SIP roadmap set ✅ Retirement income plan
What you will receive
  • Personalised retirement corpus calculation (inflation-adjusted to your lifestyle)
  • Current corpus gap analysis — where you are vs where you need to be
  • Monthly SIP needed today + step-up scenarios to reach the target
  • EPF + NPS + Mutual Fund allocation strategy for retirement
  • Post-retirement income strategy — SWP, FD laddering, annuity options
  • Written retirement roadmap with milestone checkpoints (PDF)
Average Indian retiree faces ₹40–60 lakh corpus shortfall RIA firms charge ₹20,000–₹40,000 for equivalent planning
₹3,999 / one-time session
📅 Book Retirement Session
🎯
Goal-Based Financial Planning
60 Min  ·  Video / In-Person  ·  Goal Document
Who needs this
"I have multiple goals — child's education, buying a home, building wealth — but I'm investing randomly with no clear plan for each one."
✅ Goals quantified ✅ SIP per goal ✅ Priority matrix
What you will receive
  • All goals mapped, quantified and inflation-adjusted (child education, home, retirement, wealth)
  • SIP amount needed per goal with realistic timelines — in the context of MF distribution facilitation
  • Risk awareness education per goal — understanding equity/debt allocation concepts
  • Goal priority matrix — which to act on first, which can wait
  • Insurance cross-check — are your goals protected if something happens to you? (IRDAI licensed review)
  • Written goal facilitation document with 90-day action steps (PDF)
SEBI RIAs charge ₹15,000–₹50,000 for similar goal-based plans Same structure. Fraction of the cost.
₹4,999 / one-time session
📅 Book Goal Planning Session
⚡
Debt & Cash Flow Rescue
60 Min  ·  Video / In-Person  ·  Action Plan PDF
Who needs this
"My salary comes in and disappears. I have EMIs on home loan, car, credit card — I'm not saving anything and I don't know how to break this cycle."
✅ Debt repayment order ✅ Budget restructured ✅ Savings unlocked
What you will receive
  • Complete debt audit — home loan, car loan, personal loan, credit card, BNPL
  • Debt repayment education — avalanche vs snowball method explained for your situation
  • Monthly cash flow awareness session — income vs spending vs saving ratio
  • 50-30-20 rule education — how to apply it practically to your actual income
  • Emergency fund creation education alongside debt reduction
  • Written 6-month cash flow improvement guide (PDF)
Credit card debt at 36–42% p.a. destroys wealth faster than any market crash Most clients free ₹8,000–₹25,000/month within 90 days
₹2,999 / one-time session
📅 Book Debt Rescue Session
✈️
NRI Financial Facilitation
Video Call Only  ·  60 Min  ·  NRI Checklist PDF
Who needs this
"I'm an NRI or returning to India. I don't know how to invest in India legally, manage NRE/NRO accounts, or navigate DTAA and repatriation rules."
✅ NRE/NRO clarity ✅ DTAA explained ✅ India investment plan
What you will receive
  • NRE / NRO / FCNR account structuring guidance for your specific situation
  • DTAA awareness for your country of residence — avoid double taxation
  • Mutual fund investment facilitation via NRI-compliant KYC process
  • Insurance options available to NRIs — term, health, and investment-linked
  • India re-entry financial checklist — residency change, FEMA, taxation
  • Written NRI action plan and 30-day onboarding roadmap (PDF)
NRI financial mistakes can cause legal and tax issues worth lakhs One session prevents years of compliance headaches
₹4,999 / one-time session
📅 Book NRI Session
Ongoing Support Plans

Never Make a Financial Decision Alone Again

Subscribe for continuous guidance, priority access to Sanjeev sir, quarterly reviews, and proactive alerts. Your ongoing financial co-pilot.

Quarterly · 3 Months
Essential Plan
For first-time clients who want to start with a quarter of guided support
₹6,999
per quarter (3 months)
₹2,333 / month effectively
  • 1 comprehensive 60-min session (any topic of your choice)
  • Quarterly MF portfolio review and observations
  • Insurance coverage check (IRDAI licensed)
  • Email query support for MF and insurance decisions
  • Priority booking — 48-hour response guarantee
  • Access to Integrato AI Financial Assistant tool
Get Started — ₹6,999/quarter
⭐ Best Value · 6 Months
Growth Plan
For professionals who want consistent guidance and proactive wealth-building support
₹11,999
per half-year (6 months)
Save ₹1,999 vs 2 quarterly plans
  • 2 comprehensive 60-min sessions (one per quarter)
  • Mid-year + year-end MF portfolio review
  • Full insurance portfolio audit — IRDAI licensed review
  • Tax regime clarity session (Old vs New — tailored to you)
  • WhatsApp support for urgent financial queries
  • Market crash / correction alerts with personalised guidance
  • Goal progress tracking document (half-yearly update)
  • Priority booking — 24-hour response guarantee
Best Value — ₹11,999/6 months
Annual · 12 Months
Wealth Plan
For serious wealth-builders who want a full-year co-pilot managing every financial decision
₹19,999
per year (12 months)
Save ₹7,997 vs 4 quarterly plans
  • 4 comprehensive 60-min sessions — one per quarter
  • Annual comprehensive financial health report (PDF)
  • Complete insurance portfolio restructuring advisory
  • Tax optimisation education — 2 dedicated sessions per year
  • Dedicated WhatsApp priority line — direct access to Sanjeev sir
  • Same-day priority booking guarantee
  • Proactive market alerts + rebalancing observations year-round
  • Annual goal review with updated progress report
  • Family member add-on: +₹4,999/person/year
  • Free access to all Integrato digital tools and resources
Subscribe — ₹19,999/year

All plans renewed quarterly/half-yearly/annually via UPI · Cancel anytime with 7-day notice · No lock-in

How We Compare

Transparent pricing with clear value — see how Integrato Financial Services compares to other options in India.

Feature Integrato Financial Services SEBI RIA Firms Bank Relationship Managers Online Robo-Advisors
Session Cost₹2,999 – ₹4,999₹10,000 – ₹50,000Free (but commission-driven)Free / ₹500
Annual Plan₹19,999/year₹25,000 – ₹1,25,000/yearNo structured plan₹3,000 – ₹10,000/year
Experience25+ years, 6 NISM certsVaries (5–20 years)Varies (often junior staff)Algorithm-based
Personal Attention✓ 1-on-1 with MD & CEO✓ 1-on-1✗ Rotating staff✗ No human contact
Insurance Services✓ IRDAI LicensedSomeBank products only✗ No
Written Reports✓ After every session✓ Yes✗ Rarely✓ Automated
Conflict of InterestLow (transparent commissions)Very low (fee-only)High (sales targets)Low
Product RangeMF · SIP · SIF · AIF · PMS · Bonds · NCDs · FDs · Term Insurance · Health Insurance · ULIPs · Life Insurance · General Insurance · Equity Broking · DerivativesAll securitiesBank productsMF only

Frequently Asked Questions

How can you charge consultation fees — what exactly are you licensed to do? +
Integrato Financial Services is AMFI-registered for mutual fund distribution, IRDAI-licensed for insurance guidance, and NISM-certified across 6 modules. Our consultation fees are charged for (1) insurance guidance services under our IRDAI licence, (2) financial education & awareness sessions, (3) document preparation and KYC facilitation, and (4) incidental goal-based guidance in the context of our regulated distribution activities. Mutual fund distribution itself is commission-based through AMFI-regulated channels at no additional cost to investors.
What's the difference between your service and a SEBI RIA? +
A SEBI Registered Investment Adviser (RIA) can charge fees for investment advice across all securities and typically recommends Direct mutual fund plans. As an AMFI-registered MFD, we facilitate investments through Regular plans (where AMCs pay us trail commission) and provide IRDAI-licensed insurance guidance. Our strength is personalised, hands-on support combined with 25+ years of market experience — at a significantly lower cost than most RIA firms. We are transparent about our model and earnings.
Why are there no free consultations? +
Free consultations typically mean the advisor earns through selling you high-commission products. Our paid model ensures your session is 100% focused on your needs — not on product sales. When you pay for a session, our incentive is to deliver genuine value so you return and refer others. This is how we maintain quality and trust with 1,500+ families.
Do I have to pay separately for mutual fund investments? +
No. Mutual fund investments facilitated through Integrato Financial Services are at no additional cost to you. We earn AMFI-regulated trail commissions from AMCs (fund houses), which are already built into the Regular plan expense ratio. You never pay us directly for MF transactions. The consultation fees cover our time, expertise, and the comprehensive reports/action plans we deliver.
Can I cancel my subscription? +
Yes. All subscription plans can be cancelled at any time with no penalties. Simply notify us 7 days before your next renewal date. There is no lock-in period. If you've already paid for a quarter/half-year/year, the remaining sessions will be honoured until the end of your paid period.
What if I'm not satisfied with a session? +
We offer a satisfaction guarantee. If you feel the session did not deliver value, we will schedule a complimentary follow-up session to address your concerns. In 8+ years of operation, our client retention rate is 92% — a testament to the quality of our service.

⚖️ Regulatory Disclaimer & Disclosures

Entity: Integrato Financial Services Private Limited | NISM Candidate Reg. No.: NISM-201400033574 | CIN: U74140UP2021PTC149502 | GSTIN: 09AAGCI2359R1ZT | ARN: 173155 | IRDAI Lic.: F1047480

REGULATORY STATUS & SCOPE OF SERVICES: Integrato Financial Services Private Limited is AMFI-registered as a Mutual Fund Distributor (ARN Holder) and IRDAI-licensed as an insurance agency (Life, General and Health), holding 6 NISM certifications. All consultation fees are charged for insurance guidance services (under IRDAI licence), financial education and awareness, document preparation assistance, and incidental goal-based guidance related to our regulated distribution activities. We do not provide investment advice on securities under the SEBI (Investment Advisers) Regulations, 2013.

MUTUAL FUND DISTRIBUTION: As an AMFI-registered Mutual Fund Distributor, we facilitate investments in Regular plan mutual funds. We earn trail commissions from Asset Management Companies (AMCs) as permitted under SEBI (Mutual Funds) Regulations, 2026. These commissions are embedded in the scheme's Total Expense Ratio (TER) and are not charged separately to investors. Investors should note that Direct plans of mutual fund schemes have lower expense ratios compared to Regular plans.

INSURANCE GUIDANCE: We are licensed by IRDAI to provide insurance guidance services. Insurance guidance fees are separate from and in addition to any commissions we may receive from insurance companies for policies facilitated through us.

RISK DISCLOSURE: Investments in securities markets are subject to market risks. There is no assurance or guarantee that investment objectives will be achieved. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing. The value of investments may go down as well as up.

TAGLINE: AMFI-registered Mutual Fund Distributor | Integrato Financial Services Private Limited

GRIEVANCE: For any complaints or grievances, please write to or WhatsApp +91 95991 81681 (Mon–Sat, 9 AM – 6 PM).

Ready to Take Control of Your Finances
© 2026 Integrato Financial Services Private Limited. All rights reserved.
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