Pay less tax, legally. With paperwork that holds up.

Because bundling them would mean charging you for structures before we know you need them. The advisory's job is to work out what should exist. Sometimes the answer is an HUF and a trust; sometimes it is an HUF alone; occasionally it is nothing at all, and you should not have pre-paid for a deed in that case.

It also keeps us honest. If setup were inside the fee, we would have a quiet reason to recommend more structures than you need. Priced separately, we do not.

Because it is due regardless. An HUF or a trust files its own return every year it has income, including a year it owes nothing, since the exemption only applies once a return has actually been filed. Putting the first one inside the setup means nothing gets missed in the year the structure is newest.

From the second year we file it each July at the normal annual price unless you tell us not to. We send a documents reminder in April, and you can stop it at any point before we start work. If we part ways before your first return is due, the filing portion of what you paid is refunded.

Already have someone filing for you? Leave the return out.

They are different things, and the line is drawn in the regulation itself. SEBI's Investment Advisers Regulations define investment advice as advice on investing in, purchasing, selling or otherwise dealing in securities or investment products. Which regime to choose, which deductions apply, when to deduct TDS on rent, which structure should hold what, and when to file - none of that is advice about a security.

What we will not do, on any engagement and at any price, is tell you which fund, stock or policy to buy. That does require registration, ours is in progress, and until it is through the answer is simply no.

Yes - one free 30-minute call per prospect, no exceptions and no obligation. If none of this is right for you, that is what we will say on it.

Yes, and plenty of people do. If you have read the guides and you are confident an HUF is what you want, go straight to the HUF page and take it from there - the prices are the same either way.

The advisory is for when you are not sure a second entity is the answer, or you suspect there is more than one thing to fix, or you want someone chasing you through the year rather than a document you will read once.

Yes, and most people do. An HUF is usually the first structure worth setting up. A trust is worth adding once there is a reason an HUF cannot serve, which is nearly always that the money has to belong to one particular person. The advisory can come first, or later, once there is more than one thing to get right.

50% to start the work and 50% on completion. We confirm the split before starting, and the fee does not move once it is quoted.

The 50% advance is non-refundable - it is what commits our time to your file, and we begin the day it reaches us. The balance falls due only on delivery, so the most you can ever be out is the advance. The full terms are in our Cancellation and Refund Policy.

Nothing we sell requires one. A deed, a funding agreement and an income tax return can each be drafted and filed by anyone competent to do it - only a statutory audit needs a chartered accountant's signature, and we do not do audits.

Beyond that, we are advised by Lalit Kumar Jain, FCA, managing partner of Lalit Kumar Jain & Co. and thirty years into practice in Raipur. And we built these structures for our own family before we sold them to anyone.