Think of us as your personal finance team. Turtle is a SEBI-registered, fee-only advisory firm for busy professionals in India and returning NRIs. One annual membership gives you qualified advisors for investments, taxes, banking, insurance, succession and cross-border finances, who look at your whole picture and help you get things done.

It's unbiased (no commissions-led selling or hidden fees)It's expert human-led (not robo-advisory)It's personalised

They are usually paid commissions on what they sell, so the advice drifts towards products. We're a SEBI-registered investment adviser working on a fee-only model. We don't sell products, we earn from the fee our clients pay for our services. A simple test for any advisor: ask how they get paid.

We are a team of qualified specialists: SEBI-registered planners, chartered accountants, CPAs, IRDAI-certified insurance advisors, banking and FEMA experts and lawyers. One point of contact at Turtle coordinates them all, so you never have to repeat your story.

Karma Conversation is a 30-minutes discovery call for us to learn more about you, your needs and for you to know more about Turtle and how membership would work for you. Yes, it's free. You can find more details on the following link: https://www.turtlefinance.in/karma-conversation

Busy salaried professionals, couples, founders and families nearing retirement in India, and NRI families moving back from the US, UK, Gulf, Singapore, Australia and beyond. If your money has got complicated (RSUs, property, two countries, or just too many moving parts), we're built for you.

We are built of consumers. Our advisory services include goal-based Investing with global diversification, cross-border tax planning & filing of tax returns, reviewing your life and health insurance policies, legal guidance on estate planning & will execution and advisory around banking, FEMA compliances and credit cards. We can also provide assistance around real estate due diligence & transaction structuring, Indian PF resolutions & withdrawals and anything that works around your personal finances.

It's an exercise where the financial advisors assess your current needs and future aspirations (i.e. goals) and suggests the right solution basis your risk appetite so that you have a comfortable and peaceful life. It's the right way to create wealth over time.

Both. We turn your plan into clear next steps, remind you when they're due, and coordinate with the advisors, so things don't sit on your to-do list for months. Your tax return and will are handled for you. For investments, we guide you through each step, and the final click stays with you.

There's no cap on conversations within your membership. Most families have 8 to 12 calls a year, including quarterly check-ins and half-yearly portfolio reviews. Quick questions can go on WhatsApp or email, and we usually reply within a few hours.

Yes. We plan at the family level, so your spouse is part of the same membership. Parents/in-laws can join insurance and succession discussions at no extra cost.

Ideally 6 to 12 months before you move. Your RNOR window, foreign retirement accounts and bank accounts all depend on timing, and some decisions are far cheaper to make before you land. If you've already moved, it's not too late; we'll start from where you are.

Managing money correctly is a personal & complicated affair and not everyone has the time and knowledge to do so. But the complication has to be resolved, that where financial advisors come in the picture and give the right guidance to managing money rightly. Turtle is a one-stop destination where financial experts talk to you, understand your goals & build a personalized roadmap for your financial well-being.

It's quite simple actually! Everything we advice on has two parts to it - WHAT is right for you and WHY it is right for you now? Talk to a few fee-only advisors before you decide. We mean that. Financial planning isn't just a spreadsheet; it's finding people who understand how you think about money. If you choose Turtle after comparing, that's the best start we could ask for.