Independent financial planning

Helping you see both sides of every financial decision

Personalised financial planning and portfolio management for individuals and families who want clarity, not complexity.

Start a conversation See how it works
Nishad Sundaram
Nishad Sundaram
Financial Planner & MFD · ARN Registered
Background
HSBC & Sharekhan
Approach
Fee-based, independent
Specialisation
Investments & Goals
Certification
CFP (pursuing)
Financial Planning Portfolio Review Risk & Insurance Tax Efficiency
Services
What I help you with

Each service addresses a specific dimension of your financial life, designed to work together as a complete, integrated picture.

Financial planning & goal setting
A structured, one-time exercise to map your current position, define your goals, and build the foundation for every decision that follows.
Portfolio review & rebalancing
Periodic review of your investments to ensure alignment with your risk profile, goals, and changing life circumstances.
Retirement & education planning
Long-term strategies for wealth accumulation to meet your most important life milestones, on your own terms.
Risk & insurance analysis
Assessing whether your existing cover -- life, health, and otherwise -- is adequate, with clear recommendations where gaps exist.
Wealth accumulation & preservation
Building and protecting wealth over time through disciplined, goal-oriented strategies suited to your risk profile.
Tax efficiency strategies
Structuring your investments and income to minimise tax drag and keep more of your wealth working for you over the long term.
How it works
A clear process, from start to finish

No surprises, no jargon. Every engagement follows the same structured steps so you always know where things stand.

01
First conversation
We talk through your current situation and what you're hoping to achieve. No obligation, no pitch -- just an honest conversation.
02
Financial plan
A thorough review of your finances -- goals, investments, insurance, tax, and risk profile -- to build the complete picture.
03
Strategy & execution
We agree on a plan and act on it -- restructuring a portfolio, addressing insurance gaps, or starting fresh with a clear direction.
04
Ongoing review
Annual portfolio reviews to keep your investments aligned as markets move and your life circumstances evolve.
About
The person behind TwoFold
Nishad Sundaram
Nishad Sundaram
Financial Planner & MFD
ARN Registered · CFP (pursuing)

I'm Nishad -- a financial planner with experience across HSBC and Sharekhan, where I worked closely with clients on their investments and financial decisions.

I started TwoFold because I believe most people make financial decisions with only half the picture. Every decision -- whether it's an investment, an insurance policy, or a retirement strategy -- has two sides. My job is to help you see both, clearly and without bias.

I'm currently pursuing my CFP certification and am a registered ARN holder, working with clients on mutual fund portfolios, financial planning, and long-term wealth strategies. My approach is fee-based and independent -- my only interest is in helping you make better decisions.

Philosophy
Financial planning should empower you to live purposefully, without anxiety about the future. My focus is on advice that is actionable, transparent, and built to adapt as your life evolves.
Nishad Sundaram, TwoFold
Contact
Let's start a conversation

If you're looking to bring structure and clarity to your financial life, I'd be happy to help you take the first step. Reach out directly and we'll find a time to talk -- no obligation.

Email
nishad@thetwofold.in
Phone
+91 86002 86258
Website
thetwofold.in
Send a message

I'll get back to you within 24 hours.