Frequently Asked Questions

Fee-only financial planning means we charge you a transparent fee for advice—either a percentage of assets under management or a fixed fee—and we don't earn commissions from selling products.

This alignment of interests is powerful. Your advisor benefits when YOU benefit. There's no incentive to recommend unsuitable products or sell you something you don't need. Our success is directly tied to your financial success.

Compare this to commission-based advisors who earn more when they sell you higher-commission products, creating obvious conflicts of interest.

Altmera LLP is registered with SEBI as a portfolio manager under registration number ARN-332503. We operate under strict regulatory oversight and compliance frameworks.

Additionally, we are:

• A registered partner of Vested Securities Inc. and Vested Finance Inc. to provide platform for investing in US securities
• A registered partner of Choice Insurance Broking India Pvt. Ltd. (IRDAI Licence No: 167)
• SEC Registered Investment Advisor

This multi-layered regulation ensures we meet the highest standards of financial oversight and client protection.

Fiduciary responsibility is the highest standard of care in financial services. As fiduciaries, we are legally bound to:

• Place your interests ahead of our own, always
• Provide honest, objective advice
• Disclose all conflicts of interest
• Invest your assets prudently and diversify to manage risk
• Act with competence and diligence

This is NOT optional or aspirational—it's our legal obligation. If we breach our fiduciary duty, you have legal recourse. This is what distinguishes true financial advisors from product salespeople.

Our fees are transparent and typically structured as a percentage of assets under management (AUM). The exact percentage depends on the size of your portfolio and the complexity of your financial situation.

We also offer flat-fee arrangements for specific planning projects or smaller portfolios. During your free consultation, we'll discuss fee options and provide transparent pricing with no hidden costs or surprise charges.

What you'll never pay: commissions on products, markups on investments, or fees for transactions. Our fee structure is designed to align our interests completely with yours.

Our minimum typically depends on your financial situation and the scope of services you need. Some clients work with us on a fee-for-planning basis (a flat fee for developing a comprehensive plan), while others use our portfolio management services with a minimum investment amount.

Rather than a rigid minimum, we're flexible in structuring an arrangement that works for your situation. During your consultation, we'll discuss what services make sense for you and what investment is required.

The key is that we want to work with clients who value comprehensive, integrated financial planning and are committed to a long-term relationship.

Success at Altmera is measured by YOUR success in achieving YOUR goals. We don't measure success by beating market benchmarks or chasing short-term returns.

Instead, we focus on:

• Are you on track to achieve your financial goals?
• Is your plan working as intended?
• Have we helped you minimize taxes and increase efficiency?
• Are you sleeping better at night knowing your finances are in order?
• Have we adapted your strategy as your circumstances evolved?

This long-term, goal-focused approach is why our clients stay with us for decades, not just a few years.