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Your homecoming, financially sorted.

We offer cross-border financial advice for NRI and OCI families moving back to India. One team for your foreign investments, RNOR window, taxes across countries, repatriation, and succession.

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NRIs often get scattered advice with hidden agendas - we’re here to change that with a fee-only membership.

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Trusted by 330+ families

We’re Ridiculously Helpful

We believe that an NRI's financial journey is not meant to be traveled alone. Moving countries can feel daunting, with a thousand unknowns and even more what-ifs. That’s why we are making cross-border financial advice accessible to every NRI and OCI family. Our mission is to strip away the guesswork, give NRIs access to personalised and actionable advice, and walk alongside you every step of the way.

In short, our qualified advisors guide NRIs on everything that revolves around growing, preserving, and managing money across countries.

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Align Your Investments

with SEBI Registered Investment Advisor

  • How to restructure foreign assets based on your life goals?

  • Are you financially ready to retire in India?

  • What are the benefits GIFT City offers to NRIs/OCIs?
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Plan Cross-Border Taxes

with CA & Foreign Tax Advisors

  • How do you plan to leverage your RNOR status?

  • How do you claim foreign tax credits and report foreign assets correctly?

  • Should you keep or give up your residency abroad? (Green card, PR)
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Sort Foreign Retirement Savings

with Investment & Cross-border Tax Advisor

  • Withdraw during RNOR, or keep and defer taxes on your retirement accounts? (401(k), IRA, pension)

  • How will India tax your retirement and savings accounts abroad?

  • Can you time withdrawals to pay less tax in both countries?

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Build Cross-Border Succession Strategy

with Lawyer/Attorney

  • How does estate or inheritance tax work on your global assets?

  • If your children hold foreign citizenship, who will manage your Indian assets?

  • Should your Indian property sit with you, your spouse, an HUF or a trust?

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Move Money Smartly

with Banking & FEMA Advisor

  • When should your NRE and NRO accounts become resident accounts?

  • FCNR, RFC, or INR: where should your foreign currency sit after you land?

  • Which bank, brokerage, and credit card accounts abroad should you keep open?

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Get Insurance Right

with IRDAI Certified Insurance Advisor

  • Will your foreign life cover still pay out tax-free once you live in India?

  • Is your family covered from day one, before Indian health cover kicks in?

  • Which insurance policies should you keep, buy, or skip?

What our clients say...

I have been working with the Turtle team for around 6 months, and they have been absolutely amazing to work with. All their advisors are very knowledgeable and patient. The founders really care about the clients they work with and personally try to get involved wherever needed. I highly recommend folks work with them for their financial needs. I intend to continue working with them in the future.

Chandrashekar Dashudu, Meta

(client since Jan'26)

RNOR Status Calculator

Planning your return or just moved back to India? Check your RNOR status in 60 seconds and unlock tax benefits most people miss.

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NRI Community

Everyone has questions and seeks the right advice.

Join Turtle's NRI corner and make your financial well-being journey smooth.

NRI Community
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