Advisory Solutions
Comprehensive Wealth & Tax Advisory
Integrating strategic mutual fund wealth creation with domestic and cross-border US-India tax filing from a single, dual-credentialed advisory desk.
Mutual Fund Advisory
Goal-based mutual fund selection and portfolio construction. I evaluate rolling returns, risk-adjusted metrics, and expense ratios to structure customized equity, debt, and hybrid portfolios aligned with your investment horizon.
Key Focus Areas:
- Goal-Based SIPs: Structured plans for retirement, education, and wealth creation
- Scheme Due Diligence: Rigorous screening for low overlap and consistent rolling returns
- Tax-Efficient Growth: Systematic asset allocation minimizing unnecessary capital gains drag
- Paperless Onboarding: Seamless digital KYC and automated SIP mandate processing
Portfolio Management & Review
Disciplined quarterly reviews and portfolio rebalancing to control asset drift. I ensure your asset allocation remains aligned with your target risk profile across market fluctuations.
Key Deliverables:
- Quarterly Rebalancing: Locking in equity gains and accumulating undervalued assets
- Annual Tax Harvesting: Utilizing annual LTCG exemptions and tax-loss harvesting before March 31
- Overlap Elimination: Consolidating cluttered portfolios into 5 to 7 focused funds
- Transparent Statements: Clean, periodic progress reports against defined benchmarks
Retirement Planning & SWP Strategy
Scientific retirement corpus modeling to sustain your lifestyle across a 25- to 30-year post-career horizon. I design growth-oriented accumulation during your working years and tax-efficient SWP cash flows in retirement.
Strategic Roadmap:
- Corpus Sizing: Inflation-adjusted modeling of living and healthcare expenses
- NPS & EPF Optimization: Coordinating statutory pension plans with mutual fund SIPs
- Bucket Strategy: Partitioning capital into immediate income, short-term debt, and long-term equity
- Tax-Efficient SWP: Generating predictable monthly cash flow while preserving principal growth
Child Education Fund Planning
College tuition in India and abroad rises at 10% to 12% annually. I help parents build dedicated education funds using diversified mutual fund SIPs, eliminating the need for high-interest education loans.
Planning Framework:
- Real Cost Modeling: Factoring tuition, living costs, and foreign exchange depreciation
- Disciplined SIP Strategy: Early monthly accumulation that drastically lowers required savings
- Pre-College De-Risking: Systematically moving gains to debt/liquid funds 3–4 years before admission
- Zero Mis-Selling: Avoiding low-yield bundled child insurance policies
Tax-Efficient Wealth Planning
Integrated tax planning for Indian residents and NRIs. Holding credentials as an Income Tax Practitioner (ITP) and IRS PTIN holder, I align your investments with the tax code to protect your net take-home returns.
Tax Services:
- Old vs. New Regime Analysis: Mathematical comparison tailored to your deductions and income
- LTCG Tax Harvesting: Utilizing Section 112A annual exemptions before financial year-end
- Deduction Structuring: Optimizing Section 80C, 80CCD(1B), and health insurance exemptions
- Advance Tax Guidance: Ensuring accurate quarterly compliance to prevent interest penalties
Insurance Planning & Policy Review
Objective life and health insurance advisory with zero mis-selling. I calculate your exact coverage need based on the Human Life Value (HLV) method and recommend pure term and health protection without expensive investment lock-ins.
Protection Pillars:
- Pure Term Life Insurance: 10–15x income replacement cover at minimal premium cost
- Family Health Floater: Base cover paired with Super Top-Up for ₹30L+ effective protection
- Critical Illness & Disability: Standalone lump-sum cover for major health recovery phases
- Existing Policy Audit: Reviewing traditional LIC/ULIP policies to eliminate expensive drag
US Federal Tax Returns for NRIs & H-1Bs
Authorized US federal tax preparation and filing for NRIs, H-1B, L-1, and F-1 OPT visa holders. As an IRS Registered Tax Preparer (PTIN P03472019), I manage India-US DTAA double-taxation relief and foreign account compliance remotely.
Who I Work With:
Key Compliance Filings:
- Federal Returns: Form 1040, Form 1040-NR, Schedules C & D, W-2/1099 filing
- Foreign Account Reporting: FinCEN Form 114 (FBAR) and FATCA Form 8938
- Treaty Benefits: Form 8833 DTAA double-tax relief claims
- State Filings: Relocation returns across California, Texas, New York, Washington, etc.
Ready to Structure Your Wealth and Tax Strategy?
Schedule a one-on-one consultation with Jasvinder Singh to discuss your mutual fund investments, retirement roadmap, or cross-border tax requirements.