About

Hemant Beniwal. Building India's
NRI Financial Practice for 15 Years.

Cross-border financial planning for NRIs planning to retire in India. What started as a blog in 2010 became a practice serving 500+ families across 30+ countries.

The Beginning

The First Financial Coach Was My Mother.

I am a keen learner. That is the simplest way to describe me.

My mother was my first financial coach. Limited resources, sharp discipline. She made budgets and stuck to them. She knew that beating inflation was the real game long before personal finance became a category. I watched her achieve a great deal with little, and learned, before I had any vocabulary for it, that money is mostly about behaviour.

I entered the investment world in 2003 after an MBA in Finance. Worked with two of India's biggest asset management companies, JM Financial and HDFC Mutual Fund, heading regions in both. That experience taught me something the textbooks did not. There is a wide gap between what investors actually need and what advisors usually offer. Even today, that gap has not narrowed enough.

In 2009, I qualified as a Certified Financial Planner, among the first generation of CFPs in India. The same year, I started my own boutique financial planning firm.

An Early Lesson

My First NRI Client Was Hidden in Plain Sight.

My first individual client in 2003 was a resident Indian. But he had spent many years in the US as an NRI, and his portfolio still reflected that life. Investment reports from Merrill Lynch. Professionally written financial plans. Cross-border tax positions I had never seen in a textbook.

I coordinated with his CA, asked questions, and learned more from that one client than any course could have taught me. Years before I started writing for NRIs, I had already started serving them. That early exposure shaped how I think about cross-border financial life even today.

Why WiseNRI

NRIs Are Oversold and Underserved.

By 2010, I noticed something. The NRIs who reached out to me had a specific problem nobody was solving. They were earning well, saving diligently, sending money home. But no advisor was looking at the whole picture. The Indian CA saw Indian taxes. The international advisor saw international portfolios. The banker sold products. Nobody connected the two countries into one financial plan.

I started writing about NRI-specific issues. Tax. FEMA. Return planning. Cross-border investment. The blog grew. The questions kept coming. And gradually, what began as content became a specialised practice.

Today, WiseNRI works with NRI families across 30+ countries in the Gulf, Europe, North America, Africa, and APAC. Different geographies, same focus. Helping NRI families plan their return to India with clarity, structure, and confidence.

What We Believe

Six Beliefs That Shape How We Work.

Behaviour beats brilliance. The best plan in the world fails if the family cannot follow it. We design for adherence, not optimisation.

Simplicity is the highest skill. If a plan needs a 40-page document to be understood, it needs to be simpler. We work for clarity above complexity.

NRIs need cross-border thinking. The most expensive mistakes happen at the seams between two systems. We work on those seams.

The plan must outlast the planner. Every plan we build is one your spouse and family can follow without us. That is the test of a good plan.

Honest advice is rarely comfortable advice. We tell clients what they need to hear, not what they want to hear. The clients who stay for a decade understand this.

Long relationships beat short transactions. Most of our clients have been with us for 8+ years. That is the only metric that matters.

500+ NRI Families

30+ Countries

15+ Years of NRI Focus

25 Years of CFP Experience

Personally

A Few Things That Have Nothing to Do With Money.

Husband to Sunita, who keeps me honest
Father to three little devils
Reader before anything else
Trekker, Himalayas mostly
Movie buff, but I still have not seen Swades (I know, I know)
A believer that there is one life and the point of money is to live it well

“

What I respect most is that he reads constantly. Every conversation has a new idea, a different angle, a fresh question. To quote Franklin, an investment in knowledge pays the best interest. So I have stayed invested in this team.

Mr Dinesh, Qatar

WiseNRI client for over a decade.

The Conversation Starts Here

One Call. Two Countries. Clarity You Have Not Had Before.

If you are an NRI family looking for clarity on your India plan, the first step is a 30-minute conversation. Hemant personally takes every call.

Book Your 30-Minute Clarity Call

6 new families per quarter only · Zero obligation · No sales pitch

Mandatory disclosure by SEBI

Investments in securities market are subject to market risks. Read all the related documents carefully before investing.”“Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors”.

Ark Primary Advisors Pvt. Ltd. (tradename: arkfp.in) is a
SEBI Registered Investment Advisor (INA100001927).
And the BSE Membership no is 1399.
SEBI requires RIA’s to disclose complaint status.

Complaint Status as on 30 April 2026.

Sr. No.	Received from	Pending at the end of last month	Received	Resolved	Total Pending	Pending complaints > 3months	Average Resolution time^ (in days)
1	Directly from Investors	0	0	0	0	0	0
2	SEBI (SCORES)	0	0	0	0	0	0
3	Other Sources (if any)	0	0	0	0	0	0
Grand Total	0	0	0	0	0	0

Trend of monthly disposal of complaints

Sr. No.	Month	Carried forward from previous month	Received	Resolved	Pending
1	December	0	0	0	0
2	January	0	0	0	0
3	February	0	0	0	0
4	March	0	0	0	0
5	April	0	0	0	0
Grand Total	0	0	0	0

Trend of annual disposal of complaints

Sr. No.	Year	Carried forward from previous year	Received	Resolved	Pending
1	FY 2021-22	0	0	0	0
2	FY 2022-23	0	0	0	0
3	FY 2023-24	0	0	0	0
4	FY 2024-25	0	0	0	0
Grand Total	0	0	0	0

Hemant Beniwal. Building India'sNRI Financial Practice for 15 Years.