What is the difference between financial planning and investment advisory?

Financial planning is a holistic review of your income, expenses, goals, insurance, taxes, and estate. It produces a written plan with action items across each area. Investment advisory is a subset — selecting specific mutual funds, equity, or debt instruments. We offer both, with financial planning as the starting point for most clients.

How do you charge for advisory services?

We work on a fixed-fee engagement model, not on AUM or commission. The fee depends on the scope — financial planning, ESOP design, due diligence, or valuation — and is shared in writing before engagement. We do not earn trailer commissions from product companies, ensuring conflict-free advice aligned to your goals.

What is included in a personal financial plan?

A personal financial plan covers goal mapping (retirement, education, marriage, home), cash-flow analysis, tax planning across old and new regimes, insurance review, investment allocation across asset classes, estate and succession planning, and a written action plan with monthly milestones. The plan is reviewed annually or on major life events.

How do you ensure advice is conflict-free?

We do not earn commissions or trailer fees from any product manufacturer, mutual fund, or insurance company. Our fees are paid by clients for advice only, not for product placement. This eliminates the typical conflict in distribution-led advisory models. We will recommend specific funds or products when relevant, but never because of a commercial arrangement.

Do you help NRIs with cross-border planning?

Yes. We work with NRIs across the US, UK, UAE, Singapore, and Australia on NRI ITR filing, DTAA planning, foreign asset disclosure in Schedule FA, foreign remittance certifications (Form 15CA / 15CB), NRE / NRO / FCNR account structuring, and investment advisory aligned to their home-country tax obligations.

What is the difference between ESOP design and ESOP implementation?

ESOP design covers the policy framework — pool size, vesting schedule, exercise price, exit events, and cliff period. ESOP implementation covers the legal documentation, board and shareholder resolutions, grant letters to employees, and valuation reports for income-tax purposes. We support both, working alongside your company secretary and legal team.

What is the difference between financial planning and investment advisory?

Financial planning is a holistic review of your income, expenses, goals, insurance, taxes, and estate. It produces a written plan with action items across each area. Investment advisory is a subset — selecting specific mutual funds, equity, or debt instruments. We offer both, with financial planning as the starting point for most clients.

How do you charge for advisory services?

We work on a fixed-fee engagement model, not on AUM or commission. The fee depends on the scope — financial planning, ESOP design, due diligence, or valuation — and is shared in writing before engagement. We do not earn trailer commissions from product companies, ensuring conflict-free advice aligned to your goals.

What is included in a personal financial plan?

A personal financial plan covers goal mapping (retirement, education, marriage, home), cash-flow analysis, tax planning across old and new regimes, insurance review, investment allocation across asset classes, estate and succession planning, and a written action plan with monthly milestones. The plan is reviewed annually or on major life events.

How do you ensure advice is conflict-free?

We do not earn commissions or trailer fees from any product manufacturer, mutual fund, or insurance company. Our fees are paid by clients for advice only, not for product placement. This eliminates the typical conflict in distribution-led advisory models. We will recommend specific funds or products when relevant, but never because of a commercial arrangement.

Do you help NRIs with cross-border planning?

Yes. We work with NRIs across the US, UK, UAE, Singapore, and Australia on NRI ITR filing, DTAA planning, foreign asset disclosure in Schedule FA, foreign remittance certifications (Form 15CA / 15CB), NRE / NRO / FCNR account structuring, and investment advisory aligned to their home-country tax obligations.

What is the difference between ESOP design and ESOP implementation?

ESOP design covers the policy framework — pool size, vesting schedule, exercise price, exit events, and cliff period. ESOP implementation covers the legal documentation, board and shareholder resolutions, grant letters to employees, and valuation reports for income-tax purposes. We support both, working alongside your company secretary and legal team.

+91 97033 11757 info@abmco.in

ABMCO A B Musani And Company

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Advisory & Financial Planning | ABMCO

Advisory

Advisory & Financial Planning Services

Plan your finances, structure your business, and grow with confidence.

Personal financial planning, mutual fund advisory, retirement planning, ESOP design, due diligence, valuation, NRI advisory and startup support.

Talk to a CA about Advisory +91 97033 11757

At a glance

Why Advisory with ABMCO

Card 1

Goal-based, not product-led

We start with your goals — retirement, education, marriage, home — and design the plan around them, not around the products we sell.

Card 2

Conflict-free advice

We do not earn commissions from any mutual fund, insurance, or product company. Our fee is paid by you for advice, not product placement.

Card 3

Reviewed annually, not sold once

Your plan is reviewed every year or on major life events — job change, marriage, child, home purchase — and rebalanced to keep you on track.

What we cover

All Advisory services

Browse 77 advisory services — filter by group or search by name.

Advance Ruling

Advance ruling application under Sections 245N-245V of the Income-tax Act (Authority for Advance Ruling — AAR), Sections 95-98 of the CGST Act (Authority for Advance Ruling — AAR), and the DGTR (Direc

Advisory & Financial Planning Services

Why Advisory with ABMCO

Goal-based, not product-led

Conflict-free advice

Reviewed annually, not sold once

All Advisory services

Advance Ruling

Bank Audit

Bookkeeping Monthly

Business Advisory

Choice of Entity & Business Structuring

Compliance Calendar

Compliance Health Check

Comprehensive Personal Financial Planning

Consolidated Financial Statements

Co Operative Audit

Direct Equity, ETF & PMS Advisory

Dsc Digital Class3

Due Diligence (Financial, Tax, Legal, Vendor, Bank)

Equity Funding Readiness & Pitch Deck

ESOP Design & Implementation

Estate & Succession Planning

Expat Foreign National

Factory License

Family Office Advisory

Family Office & Succession Planning

Fema Rbi Advisory

Financial Planning

Founders' & Shareholders' Agreement

Fssai State Trade

Gaar Advisory

Goal-Based Planning (Retirement, Education, Marriage)

Gst Audit

Health & Group Insurance Advisory

Income Tax Appeal

Income Tax Scrutiny Assessment

Ind As Implementation

Insolvency & Bankruptcy Advisory

Insurance Planning (Life, Health, Term)

Investment Advisory

Iso Quality Management

IT / SaaS Compliance (STPI, SEZ, Export)

Joint Venture Strategic Alliance

Litigation Support

Merger Demerger Restructuring

Mergers, Acquisitions & Restructuring

Mis Financial Reporting

Msme Samadhan Treds

Multi-Generational Family Office & Succession Planning

Mutual Fund & SIP Advisory

Nbfc Audit

NGO & Trust Compliance Advisory

NPS, ELSS & ULIP Advisory

Nri Taxation

NRI Tax, Investment & Repatriation

Outsourced Cfo

Outsourced Finance Controller

Payroll Outsourcing

Payroll Tax Compliance

Pf Esi Pt

Philanthropy Csr Advisory

Pollution Consent

Private Client Family Wealth

Professional Tax State

RERA & Real Estate Transaction Advisory

Retirement Corpus & Pension Planning

Retirement Planning

Secretarial Records

Shops Establishment

Society Club Audit

Startup Advisory (Cap Table, ESOP, Investor Reporting)

Statutory Audit

Stock Audit

Tax Audit

Tax-Efficient Investment Planning

Tax Planning Advisory

Trust Ngo Audit

Valuation Business

Valuation Financial Instrument

Valuation Intangible