Whether you are still building your corpus, managing a recent payout, consolidating scattered investments, or drawing monthly income in retirement, one advisor builds one plan and stays with it.
"For the first time, I have one person who sees the whole picture and stays."
The Question
"Do I actually have enough to retire, or am I just hoping?"
The RM Problem
"Every 6 months, new manager. Start explaining from scratch. Again."
The App Problem
"The app shows me returns. It can't tell me if I'll run out of money."
The Scatter Problem
"PF here, MFs there, stocks somewhere else. Nobody has the full picture."
That's the real question. Not which fund performed best last year, not the newest investment idea. Just this: can you stop working earlier than planned, and still be sure your money holds up for as long as you need it to.
We work out the exact number with you, in writing, at our first meeting.
Where you are in your career shapes everything. Pick the situation that sounds most like yours.
"I'm still earning well. But between EMIs, school fees, and family needs, I can't seem to save enough for retirement."
I want to know: How do I actually set aside money for retirement without sacrificing everything else right now?
"I just received my PF payout. It's the biggest sum I've ever had at one time. And I'm not sure what to do with it."
I want to know: How do I protect this money and make it grow without taking unnecessary risks?
"My investments are scattered across four or five different places. I don't have one clear picture of where I stand."
I want to know: Can someone bring all of this together and tell me honestly if I'm ready?
"I've already retired. My question isn't about growing. It's about getting a steady income without paying too much tax."
I want to know: How do I structure my money so it pays me every month without running out or getting taxed heavily?
Every time you get a new relationship manager, you start over. Explaining your family, your goals, your worries, all over again. That gets tiring, and it costs you time.
Investment apps are great at showing your returns. What they cannot tell you is when to stop investing, how to withdraw without losing money to tax, or what your money should be doing next.
A good year for the Nifty means nothing if it doesn't get you closer to retiring comfortably, taking that trip, or covering a hospital bill without panic. Your plan should be judged against your life, not a chart.
Provident fund here. An old mutual fund there. A few stocks you forgot about. A policy that matured years ago. Before we plan anything, we bring it all together so you can finally see where you stand.
Client Voice
"I am talking to the wall. I cannot have three people talking to me. I need one person."
Client testimonial. Individual experiences will vary.
One promise drives everything we do: the person who starts your plan stays with you for every chapter after.
The same person who starts your plan stays with you through every stage that follows. They know your family, your goals, your worries. That does not get lost the way it does when a manager changes.
We bring your provident fund, mutual funds, stocks, and old policies into one clear picture. For most people, this is the first time they have seen it all together.
We plan against your actual goals: a monthly income you can count on, that trip, a grandchild's education, a cushion for medical costs. Progress is measured against those, not a market index.
If you want to dip into your retirement fund for something urgent, we will tell you honestly whether it is a good idea, and offer another way if it is not.
Most clients move from first contact to a fully invested, consolidated plan in about six weeks. The relationship then deepens over years.
Weeks 0 to 3
We Listen First
WhatsApp intro and two meetings
No forms yet, just conversation. We understand your full picture: what you have, what you owe, what you need, and what concerns you most.
Weeks 2 to 3
We Show The Picture
Screen-share walkthrough with your spouse
A personalised sufficiency review walked through with you and your spouse. A clear picture, not a sales presentation.
Weeks 4 to 6
We Make It Real
First investment made
KYC, accounts, and a first small investment so you can see the consolidated view working before committing fully. Trust is built, not assumed.
Years, Not Months
We Stay
Long-term planning partnership
Quarterly reviews. Tax planning. Milestone check-ins at your child's wedding, a property decision, or a health event. We are the first call, not the last.
Retirement Financial Planning
We build a scenario-tested plan that answers your central question directly. Not with a generic calculator, but with your actual numbers, your actual goals, and realistic projections for the next 25 years.
Corpus Protection and Glide Path
PF, VRS, or PPF payout in hand? The worst move is to rush. We deploy your corpus through a staged plan that smooths market timing risk and puts capital protection ahead of growth.
Portfolio Consolidation
A lifetime of investing means funds spread across direct plans, old mutual funds, Demat accounts, and policies that matured years ago. We audit, consolidate, and clean, without unnecessary churn or tax surprises.
Tax-Efficient Income Laddering
Post-retirement income is not just about SWP. It is about constructing the right withdrawal sequence: which buckets you draw from first, how you minimise LTCG, and how you keep the principal working longer.
Legacy and Succession Planning
With children possibly abroad and assets split across instruments, succession without a plan creates legal delays, family tension, and unnecessary tax. We coordinate with your CA and lawyer to make it clean.
Healthcare and Elderly Care Planning
Standard health insurance has caps. Elderly care costs do not. We help you build a dedicated healthcare contingency fund and evaluate premium retirement communities with on-site medical support.
Still earning, family obligations
"Between EMIs and fees, I cannot afford to save for retirement right now."
Education can be partially funded through loans. Retirement cannot. Separating the two into distinct structures means neither competes with the other. Both get funded, with clear monthly requirements for each.
Recent PF or VRS payout
"I just received my PF corpus. What if I invest and markets fall sharply?"
That concern is well-founded. A staged entry plan over 12 to 18 months spreads the deployment across market cycles. Capital protection takes priority before growth is considered.
Approaching retirement, scattered assets
"Why pay advisory fees when self-directed platforms cost less?"
Execution platforms are genuinely useful tools. The advisory layer addresses what they cannot: withdrawal sequencing, tax-efficient drawdown, and a human point of contact during market volatility.
Post-retirement, income and legacy
"Taxes and inflation will erode my returns. What if a medical event depletes what remains?"
We structure a tax-aware income ladder alongside a dedicated healthcare contingency fund sized beyond standard insurance coverage. Monthly income continues uninterrupted through a medical event.
★★★★★
"I am associated with Anil Rego & Right Horizons since 2004. In the 20 years of association, I have received excellent advice on investment & portfolio management from the very committed team at Right Horizons."
★★★★★
"Without Right Horizons I don't think we would have thought of regular investment. We have full trust in Anil & Rachna and are sure whatever recommendation is for our good at any point of time."
★★★★★
"I have been associated with RH since 2007. Earning money is one part of life — how to use that money efficiently is very crucial. Right Horizons nurtures you to create a savings pot and build the portfolio slowly to reach your financial goal."
Complimentary First Consultation
No sales pitch. No obligation. Just a clear picture of where you are and what comes next.
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