When you're not alone, achieving your goals is a lot easier. Our Financial Advisors get to know you and your financial situation so they can help you design a wealth strategy that grows with you.
Kongruent has always been a leader in financial services, with the scale and stability to help bring you valuable opportunities. Our priority is managing wealth with the highest standard of care and providing financial advice to help support your goals at any stage of life. Our wealth development, wealth management, and wealth protection solutions are delivered by partners that are industry experts in their fields. We are able to deliver solutions that span the following areas thanks to our partners:
With your consultation and goals, our team will create a portfolio of your dreams, cash flows, and other factors for business. Our advisor will get to understand you and your financial priorities. We will collaborate on a personalised strategy to help you develop and safeguard your wealth. The second step is portfolio generation, which focuses on two complementing strategies: Alpha and Beta. Optimisation of risk-return the Black Litter-man model and modern portfolio theory maximise gains per unit of cost. And, we make it available 24/7 on our sites if you look out at any time and keep one step ahead of the competition. We feel that our method of assessing your needs, achieving priorities, developing strategies, and evaluating your portfolio regularly better equips us to assist you in planning for your financial future. We also provide a smooth and efficient online implementation of mutual fund investments.
We provide extensive financial planning for our clients, allowing us to understand their risk tolerance, short-term goals within 0 months to 2 years, medium-term goals of two to five years, and long-term financial goals of 5 years and beyond). We strive to understand their cash flow, including income, expenditures, and the type of lifestyle they lead to identifying how they can save for their financial goals. Understanding one's risk tolerance: This stage is critical for developing the investor's risk profile and identifying behavioural biases for each risk profile. Utility as an asset class, The set of available assets, are listed, and utility analysis is performed. Appropriately, we assist in creating a cohesive and comprehensive plan centred on your specific needs and objectives.
Because the competition is fierce, a Creative Infrastructure is required. Kongruent's strategy is therefore sophisticated and bold, employing a balance of the most substantial in-house services, credit, 3rd party, and customised platforms, resulting in a distinctive combination on an integrated design platform from which you may select the best. Unconventional strategic planning and management with years of investment experience provide us with a competitive advantage in today's dynamic business environment and competitive financial assets. We use a flexible and straightforward wealth management method to deliver you the finest growth opportunities. You can choose between using a preexisting distributor network, going direct, or exploiting our platform.
Founder & Managing Partner
Bhavesh Jhala is the force behind Kongruent, a SEBI Registered pan-India Investment Advisor based in Mumbai. After having spent a decade in the wealth management space, he founded Kongruent Wealth Management Services LLP. Today, he and his team possess a distinguishable ability to draw, design and deliver a custom-made wealth management plan for every customer across the financial planning lifecycle.
Prior to taking the independent financial advisory route, Bhavesh has worked with leading global financial houses such as Aviva Life Insurance and HSBC since 2004. Through a 7 year stint at HSBC, Bhavesh consistently grew as a top-rated financial planning manager. He has repeatedly featured among the top 3 financial planners of the country. He was managing top 1% of HSBC client base in India between 2011 and 2012 as Vice President Premier Banking.
With certifications such as IRDA, NISM XA & XB by his side, Bhavesh has created a niche for himself in the investment advisory space. His constant quest to upgrade his and the team’s skills makes him stand out as one of the brightest financial planners in India. He is currently pursuing Chartered Wealth Manager and Certified Financial Planning certification. He believes in parting awareness to the investors as well through education al meets and seminars. Bhavesh’s wealth management acumen has won him awards and accolades from MF companies such as ICICI Prudential, Franklin Templeton, HDFC, DSP Black Rock and mentions in leading publications such as Live mint.
Trust and continuity define every relationship we garner. Our partners include:
Kongruent is a reliable company. We are not asking you to entrust us blindly, but instead, we are asking you to share your journey with us and allow us to assist you in achieving your goals. We follow according to Schedule III of Securities and Exchange Board of India (Investment Adviser) Regulations, 2014. You will see for yourself why we are a trustworthy wealth management service. To let you know, we are unique from the competition is because of our emphasis on customer-first mentality, ethical and transparent business processes, professionalism, research-based value investment, and utilisation of cutting-edge technology.
An investment adviser shall act honestly, fairly and in the best interests of its clientsand in the integrity of the market
An investment adviser shall act with due skill, care and diligence in the best interests of its clients and shall ensure that its advice is offered after thorough analysis and taking into account available alternatives
An investment adviser shall have and employ effectively appropriate resources and procedures which are needed for the efficient performance of its business activities.
An investment adviser shall seek from its clients, information about their financial situation, investment experience and investment objectives relevant to the services to be provided and maintain confidentiality of such information.
An investment adviser shall make adequate disclosures of relevant material information while dealing with its clients.
An investment adviser advising a client may charge fees, subject to any ceiling asmay be specified by the Board, if any. The investment adviser shall ensure that feescharged to the clients is fair and reasonable.
An investment adviser shall try to avoid conflicts of interest as far as possible andwhen they cannot be avoided, it shall ensure that appropriate disclosures are made tothe clients and that the clients are fairly treated..
An investment adviser including its representative(s) shall comply with all regulatoryrequirements applicable to the conduct of its business activities so as to promote thebest interests of clients and the integrity of the market.
The senior management of a body corporate which is registered as investment advisershall bear primary responsibility for ensuring the maintenance of appropriate standards of conduct and adherence to proper procedures by the body corporate
