Fee-only Adviser | Puducherry
SEBI Registered Investment Adviser
Professional advice that focuses on you, not on selling financial products.
WHAT I DO
I help you realise your financial goals and take control of your future. Customised financial plans, honest advice, no product selling.
Investment Planning
Retirement Planning
Insurance Planning
Asset Allocation
About Hariharan
Hariharan
- CWM - Chartered Wealth Manager
- CFA Level I
- ACCA Professional Level
- NISM Certified
Hariharan is a SEBI Registered Investment Adviser (RIA) and a Chartered Wealth Manager (CWM) with experience in equity markets, derivatives trading, and portfolio advisory. Holding CFA Level I and at the ACCA professional level, his approach integrates global financial knowledge with real-world market experience to deliver disciplined, goal-oriented investing supported by structured risk management.
He has strong knowledge in financial planning, asset allocation, and a wide range of investment products, enabling him to design well-balanced and client-specific portfolios. He has practical exposure to market execution, including derivatives strategies and active trading, combined with a process-driven approach to capital allocation.
Hariharan also brings rich teaching experience and academic exposure, having guided school and college students - which reflects his ability to communicate complex financial concepts with clarity and structure.
Our Values
Fee-Only
No commissions, no product sales. The only income is the advisory fee paid directly by you.
Unbiased Advice
Not affiliated with any bank, mutual fund, or insurance company. Every recommendation is made purely on merit.
Downside First
Protecting capital before chasing returns. Risk management is the foundation of every portfolio.
Transparency
Full disclosure at every step - fees, conflicts, rationale behind every recommendation.
SEBI Registration Details
Name: HARIHARAN
RIA Registration No.: INA000021915
Registration Type: Individual Investment Adviser
Validity: Feb 23, 2026 - Perpetual
Registered Address: No 5, Sundara Vinayagar St., Mahatma Nagar, Lawspet, Puducherry - 605008
Telephone: +91 80720 75160
Email: hariharancwm@gmail.com
BSE Enlistment No.: 2443
Associated SEBI Regional Office: Southern Regional Office, D'Monte Building, 3rd Floor, 32, D'Monte Colony, TTK Road, Alwarpet, Chennai - 600 018
Registration granted by SEBI, enlistment with IAASB (BSE Limited), and certification from NISM in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors.
Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Complaint Data
SEBI mandates all RIAs to display the status of complaints on their website. In case of grievances, investors can contact the adviser at hariharancwm@gmail.com or call +91 80720 75160. Complaints may also be lodged on SEBI SCORES at scores.sebi.gov.in and Online Dispute Resolution at smartodr.in.
Data as of last month ending: March 31, 2026
| S.No. | Received From | Pending (Prev. Month) | Received | Resolved* | Total Pending# | Pending >3 Months | Avg. Resolution Time^ |
|---|---|---|---|---|---|---|---|
| Total | 0 | 0 | 0 | 0 | 0 | 0 | |
| 1. | Directly from Investors | 0 | 0 | 0 | 0 | 0 | 0 |
| 2. | SEBI - SCORES | 0 | 0 | 0 | 0 | 0 | 0 |
| 3. | Other Sources | 0 | 0 | 0 | 0 | 0 | 0 |
Number of complaints received due to impersonation by other entities: 0
Trend of monthly disposal of complaints
| S.No. | Month | Carried fwd. | Received | Resolved* | Pending# |
|---|---|---|---|---|---|
| Total | 0 | 0 | 0 | 0 | |
| 1. | Apr 2026 | 0 | 0 | 0 | 0 |
| 2. | May 2026 | - | - | - | - |
| 3. | Jun 2026 | - | - | - | - |
| 4. | Jul 2026 | - | - | - | - |
| 5. | Aug 2026 | - | - | - | - |
| 6. | Sep 2026 | - | - | - | - |
| 7. | Oct 2026 | - | - | - | - |
| 8. | Nov 2026 | - | - | - | - |
| 9. | Dec 2026 | - | - | - | - |
| 10. | Jan 2027 | - | - | - | - |
| 11. | Feb 2027 | - | - | - | - |
| 12. | Mar 2027 | - | - | - | - |
Trend of annual disposal of complaints
| S.No. | Year | Carried fwd. | Received | Resolved* | Pending# |
|---|---|---|---|---|---|
| Total | 0 | 0 | 0 | 0 | |
| 1. | 2025-26 | 0 | 0 | 0 | 0 |
| 2. | 2026-27 | - | - | - | - |
*Inclusive of complaints of previous months/years resolved in the current month/year | ^Time in days | #Inclusive of complaints pending as on last day of month/year
Grievance Matrix
| Designation | Contact Person | Address | Contact No. | Working Hours | |
|---|---|---|---|---|---|
| Customer Care | Hariharan | No 5, Sundara Vinayagar St., Lawspet, Puducherry - 605008 | +91 80720 75160 | hariharancwm@gmail.com | 9am-6pm, Mon-Fri |
| Principal Officer | Hariharan | Same as above | +91 80720 75160 | hariharancwm@gmail.com | Same as above |
| Compliance Officer | Hariharan | Same as above | +91 80720 75160 | hariharancwm@gmail.com | Same as above |
Audit Status
| S.No. | Financial Year | Compliance Audit Status | Remarks |
|---|---|---|---|
| 1. | FY 2025-26 | Pending (Due by Sep 30, 2026) | Registered Feb 23, 2026. First audit due within 6 months of FY end. |
SEBI Investor Charter
As mandated by SEBI, the following Investor Charter applies to all clients of this Investment Adviser. For the complete charter, refer to SEBI's Master Circular for Investment Advisers dated February 06, 2026.
Vision
Invest with knowledge and safety.
Mission
Every investor should be able to invest in the right products based on their needs and enjoy financial wellness.
Right to Privacy
Your financial information is confidential and will never be shared without your consent.
Right to Suitability
All advice will be based on your risk profile and suitability assessment. No generic recommendations.
No Assured Returns
Returns cannot be guaranteed. All investments are subject to market risks.
Right to Exit
You may terminate the advisory relationship at any time per your agreement terms.
Grievance Redressal
Complaints addressed within 21 days. Escalate to SEBI SCORES at scores.sebi.gov.in if unsatisfied.
No Fund Management
The adviser will never hold, manage, or operate your funds or securities.
Services I Offer
I am here to help you take control of your financial future. Below are the services I offer as a SEBI Registered Investment Adviser.
Holistic Financial Planning
A comprehensive, one-time financial planning exercise where I help you clearly identify and quantify your unique financial goals, evaluate your current situation, and develop efficient strategies to achieve them. I research and recommend solutions tailored to your needs and educate you on all options available - in a completely unbiased manner.
Through professional risk profiling, disciplined asset allocation, and structured risk management, your written financial plan is developed and implementation guidance is provided. Existing assets and insurance coverage are also reviewed and recommendations made as needed.
This applies to any individual or family, regardless of age, income, or wealth. Goals can include saving for a child's education or marriage, buying a home, building a retirement corpus, insurance planning, and most importantly - achieving financial freedom.
Includes
- Goal identification
- Risk profiling
- Investment planning
- Insurance review
- Tax planning guidance
- Cash flow analysis
- Asset allocation
- Written financial plan
Ongoing Investment Advisory
For clients who have completed the initial financial planning and would like ongoing professional support to review and update their investments based on changing needs and market conditions. Investments are reviewed in an unbiased manner and necessary modifications recommended to ensure the plan stays efficient and aligned with your goals at all times.
Your funds are always invested directly with the provider - never with me. I act solely as your adviser and consultant.
Includes
- Portfolio rebalancing
- Progress tracking
- Periodic reviews
- Plan updates
- Ongoing Q&A support
What About Fees?
Simple, flat fee. No commissions. No hidden costs.
My fee structure is straightforward and not dependent on your net worth or income.
Holistic Financial Planning (One-time)
Includes goal setting, risk profiling, written financial plan & implementation guidance
Rs.20,000
Ongoing Investment Advisory (Annual)
Portfolio reviews, rebalancing, plan updates & ongoing support
Rs.10,000
GST applicable as per prevailing rates. Fees are payable only through banking channels - NEFT, RTGS, IMPS, UPI, or account payee cheque. Cash payments are not accepted.
"I am not involved in financial product sales and am not affiliated with any financial institution. When investing in the products and solutions I recommend, you do so directly with the provider. I only act as a consultant and monitor your progress toward your goals."
Regulatory note: Investment advice is limited to securities under the purview of SEBI. No guaranteed or assured returns are implied or offered under any circumstance. All investments are subject to market risks.
Get in Touch
Write to me at the email address below and I will get back to you within 1-2 working days to schedule a time to talk.No commitment required.
Hariharan
SEBI Registered Investment Adviser | RIA No. INA000021915
Telephone
Address
No 5, Sundara Vinayagar St., Mahatma Nagar, Lawspet, Puducherry - 605008
Working hours: 9:00 am - 6:00 pm, Monday to Friday (except public holidays)
What to Expect
- A free introductory conversation to understand your financial situation and goals - no commitment required.
- Formal engagement begins only after signing the advisory agreement and completing your risk profile.
- No investment advice is given and no fees are charged until the agreement is signed.
- All fees are paid directly through banking channels only. Cash payments are not accepted.
- Your funds are always invested directly with the product provider - never with me.
For grievances: Please email hariharancwm@gmail.com or call +91 80720 75160. If unsatisfied, escalate to SEBI SCORES at scores.sebi.gov.in or use Online Dispute Resolution at smartodr.in.
THE DIFFERENCE
It starts and ends with YOU. Financial advice should revolve around the individual, not products. I am not affiliated with any bank, mutual fund, or insurance company, and I do not sell financial products. I am a fee-only adviser - I work only for you and in your best interest. I recommend direct plans only. No commissions, no hidden fees. The end financial benefit to you is much more than the fees you pay.