Building Wealth Abroad Is the Easy Part.
Will It Last 35 Years of Retirement in India?

After providing financial planning services to NRI families for 15 years across 30+ countries, here is what I hear most:

Managing money across two countries is complex — and your agent is not a cross-border financial planner
Tax rules can quietly destroy your returns — your CA may not see your full cross-border picture
Repatriation and FEMA compliance — your banker will not warn you until it's already a problem
Market crashes test every investor — but who is managing your behaviour, not just your portfolio?
35 years is a long retirement — who is guiding your plan across two countries and two tax systems?

Are you financially ready to come back?

This is exactly what WiseNRI was built for — one plan that connects your life abroad to your future in India.

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You've Built a Good Life Abroad. But Does Your India Financial Plan Know That?

1
Two Countries. Two Tax Systems. One Plan.
Every decision you make in India affects your finances abroad — and vice versa. Without someone connecting both sides, you are always working with half the picture.
2
Your Advisors Are Specialists. None of Them Sees the Full Picture.
Your CA knows tax. Your banker knows products. Your agent knows insurance. Nobody is making sure all three work together toward your retirement in India.
3
The Rules Governing Your Money Change — Most NRIs Find Out Too Late.
FEMA, TDS, NRE/NRO, DTAA — these rules change. A financial planner keeps you ahead of them, not scrambling after them.

wiseNRI.com System ©

Most NRIs have investments.

Very few have a system.

Why don't most people keep their New Year resolution? Not because they lack intention. Because they have no system to guide them when motivation runs out.

NRI financial planning is a 30 to 40-year journey across two countries, two tax systems, and multiple life stages. Good intentions are not enough. You need a System — one that tells you exactly what to Act on, what to Avoid, and when to Audit your progress.

This is the WiseNRI System — built over 15 years of working with NRI families who want to retire in India on their own terms.

Your Plan. Built Around Your Life — Not A Template...

GOALS

your retirement date, your India lifestyle, your family reality

INVESTMENTS

matched to your risk profile, and your timeline to return

ADVICE

15 years of NRI-specific experience, not generic financial planning

500+ NRI families across 30+ countries have trusted WiseNRI with their most important financial decisions...

...their return to India.

The Values Our Practice is Based On

Accountable

& Transparent

Every quarter you receive a clear review of your plan — what changed, what we did, and why. No jargon. No surprises.

Integrity

& Trust

Our clients have been with us for over a decade. Trust that lasts is built on honest advice — not comfortable advice.

Fiduciary

& Professional

As a SEBI Registered Investment Advisor, we are legally required to act in your interest — not ours. This is not a promise. It is a legal obligation.

Personalised

& Comprehensive

Every NRI family we work with gets a plan built specifically for their two-country life — not a template with their name on it.

What Our Clients Are Saying...

Mr Gireesh

(Malaysia)

I strongly recommend Financial Planning to all and now that I have worked with wiseNRI I would encourage you to give them a try and you will not regret.

I came across wiseNRI completely by chance. I was looking around for financial planners and during my search wiseNRI came up. I went through their web site and was very impressed I decided to give Hemant a call on the listed number. His approach, humility, knowledge and frankness really impressed me. Even though spoken just over the phone he gave me a sense of assurance and confidence that I immediately signed up. It has been over 12 years now and I’m extremely glad and proud of this association.

For NRI's like me the distance and time Zone difference are a big issue, thankfully team is easily reachable via email, phone and whatsapp. During my recent trip to Jaipur I finally managed to meet them. They have a very professional set up and an extremely competent team. I now have peace of mind knowing fully well that I’m in safe hands and my journey is on track towards financial freedom. They have helped to make sure my goals are prioritized and my money is channeled at the right instruments. wiseNRI makes sure my money works for me every day so I can have peace of mind later.

Mr Hitendra

(Dubai)

Working with wiseNRI has been a real pleasure and I would strongly recommend his services to anyone interested.

Being a Technologist I am not great at planning my financials & was looking out for an expert to help me. During my search, I am glad to have found Hemant via his blog. What caught my attention was his unbiased views about financial products and the dedication with which he responded to reader queries posted on the blog.

We have been working together since 2011 and must say that, I am very much impressed by Hemant & his teams expertise and commitment to provide the best financial advice & services to NRIs. I have met Hemant in person and his work ethics, strong domain knowledge has built a strong relationship of trust & respect. And I believe that wiseeNRI planning has helped me immensely to financially secure myself & my family and prepare better for future challenges.

What Working With WiseNRI Looks Like

Trusted by NRI families across 30+ countries since 2009

Pathway - From Scattered to Sorted

What Your Plan Covers

Plan: A written plan — what to do, when, and why
Protection: Your family protected if something happens to you
Portfolio: Your India portfolio actively aligned to your goals
Pension: Know when you can return and retire comfortably
Prudence: Tax-efficient structure across India and your country of residence

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Building Wealth Abroad Is the Easy Part. Will It Last 35 Years of Retirement in India?