Therapy for finance
A human approach to money. SthirOS understands you and your life first, then gives you clear, direct actions for your money so every decision feels more in control.
Money is hard.The system makes it harder.
Too many opinions.
Everyone tells you what to buy.
No one understands you.
Where do you even start?
Every decision feels important. Every expert says something different. Choosing what comes first is often the hardest part.
Commissions rule.
Bank RM has a product to sell.
Insurance Uncle has a policy to sell.
Favourite influencer has the next big investment.
Nobody cares what is right for you.
Everything is scattered.
Your money lives in too many places. Accounts, investments, policies, cards, and tax documents, all separate, all demanding attention.
It's always in your mind.
Before you spend.
After you spend.
When markets fall.
When life changes.
Money rarely feels finished. It just feels too much.
Life is dynamic. Sadly, our money is not.
A new job. Marriage. Children. New business.
Life keeps changing. Most financial plans don't.
Your money should move with your life.
The SthirOS Way
As a SEBI-registered RIA, our advice is legally required to be built around you, not commissions.
Listen First
+Every number, every risk, every habit, understood before we say a word back.
We understand your risk tolerance before suggesting an investment. We assess your real needs before advising on insurance, tax, or succession. We look at how you actually spend before recommending a credit card.
Recommend Next
+Every recommendation tested against evidence, not influenced by what pays us.
We backtest investments across more than a decade of market data. We assess insurance using IRDAI claim data, not just premiums. We evaluate credit cards based on whether their rewards are likely to last, not just the launch offer.
Because we earn no commissions, fixed deposits, mutual funds, direct stocks, bonds, REITs, PMS, and international investments all sit on the same table. Nothing is pushed ahead of what is right for you.
Stay Forever
+We do not stop at advice. We help you act on it.
We stay with you as life changes, help you build better saving habits, and support you through important financial decisions. When it is time to act, whether that means investing, buying insurance, negotiating your salary, or creating a will, we are still with you, not just present in a report.
Most advisers skip this work. We built the whole practice around it.
One system.Everything money.
Investments
Mutual funds, bonds, FDs, and global investments, chosen for your goals. Nothing gets pushed because we earn zero commission.
We assess your income, goals, and ability to handle risk before recommending anything.
- Every option compared for you, never ranked by commission
- Investment strategy tested against 20 years of market data
- Existing holdings checked for overlap, risk, cost, and underperformance
- Clear instructions on what to buy, sell, or leave untouched
Tax
Regime, deductions, and structuring, planned months in advance. Not scrambled together every March.
Tax planning done in April looks nothing like tax planning done in February. We build it into your year, not your deadline.
- Old vs new regime compared using your actual numbers
- Deductions planned around what you already spend and invest
- Advance-tax reminders so you do not lose money to interest
Credit cards & liabilities
What to pay off first, what to refinance, and how to make every card work harder for you.
We organise what you owe and make your cards work around how you spend, so the rewards you see online become rewards you actually use.
- Cards matched to the rewards and benefits you actually want
- Highest-cost debt identified and prioritised first
- Refinancing flagged whenever it saves you real money
Insurance
Term, health, and cover amounts sized to your actual needs. Not an agent's target for the month.
We work out what you genuinely need, compare policies beyond the premium, and make sure the cover will actually work when you need it.
- Cover sized around your income, dependants, and existing protection
- Policies checked for exclusions, waiting periods, and claim conditions
- Claim settlement data considered before a policy is recommended
- Clear guidance on what to buy, keep, replace, or avoid
Succession
Wills, nominations, and a clear plan your family can actually follow, without needing to figure everything out alone.
Most families discover too late that nominations alone are not enough. We help draft and register your will, complete the required formalities, and make sure everything works together.
- A will drafted around what you actually want, not a generic template
- Registration, witnesses, and execution formalities handled properly
- Every nomination checked against your will and asset ownership
- One clear record of your assets, accounts, and key documents
Financial Therapy
A healthier relationship with money, not just a list of products to buy or expenses to cut.
This is financial therapy in practice. We understand how money makes you feel, where your spending comes from, and whether it is actually making your life better.
- Spending patterns understood without judgement
- Help enjoying your money without guilt or anxiety
- Clear plans for saving, spending, and feeling secure
- Goals shaped around the life you actually want
PricingNo commissions.
No markups.
ITR filing
Your return filed by someone who already understands your finances, so nothing gets missed or treated in isolation. Pricing depends on complexity.
Will drafting and filing
Your will drafted around your actual assets, family, and wishes, so it fits the rest of your financial plan and is easier for your family to follow. Pricing depends on complexity.
Join us.Commission-free advice.
Reserve your spot
Journey with SthirOS
Start with a Conversation
+We start with a conversation about you, not a product pitch. Tell us what feels unclear, and we'll explain how SthirOS can help, answer basic questions, and outline the next steps.
- No preparation or documents needed
- Get basic questions answered and understand how we can help
- Learn the process, scope, and pricing with no pressure to join
You leave with clarity on your next steps and what working with SthirOS involves.
Begin the Relationship
+Once you decide to join, we sign the advisory agreement and formally begin working for you. From this point, we are legally required to act in your best interest, protect your information, and keep our advice free from product commissions.
- Sign the agreement and complete the payment
- Understand what happens next and how we will work together
- Your information is handled confidentially under applicable regulations
You officially have an adviser who is accountable to you and ready to begin building your financial plan.
See the Full Picture
+We collect and organise information across your entire financial life, income, spending, investments, insurance, taxes, debt, responsibilities, and goals, then guide you through it step by step.
- Bring every part of your financial life into one complete picture
- Understand your habits, priorities, responsibilities, and future goals
- Analyse what is working, what is missing, and what needs to change
You receive a complete financial plan built around your real life, not a generic template.
Shape the Plan Around You
+We walk you through the plan, explain every recommendation, and adjust it around what feels realistic and comfortable for you, not just what looks optimal on paper.
- Understand what should stay, change, stop, or start
- Review the reasoning, alternatives, and trade-offs
- Get help implementing the decisions you are comfortable making
You leave with a clear, practical plan you understand, agree with, and can actually follow.
Keep Moving Forward
+Your plan continues to evolve with your life. We stay available to answer questions, review decisions, track progress, and update the plan whenever your circumstances or priorities change.
- Get support before making important financial decisions
- Review progress and adjust the plan as life changes
- Keep your investments, insurance, taxes, debt, and goals working together
You always have one trusted place to return to for every financial decision.
FAQs
Who is SthirOS for?
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SthirOS is built for almost anyone who wants better control over their money, whether they earn ₹1 lakh or ₹1 crore a year.
We help with investments, insurance, credit cards, taxes, cash flow, succession, and major financial decisions, so you do not need a different person for every problem. Because we are a SEBI-registered investment adviser and earn no product commissions, our advice is based on what is right for you, not what pays us more.
For individuals and families with financial assets of up to ₹10 crore, we are confident that SthirOS offers one of the most complete and aligned financial advisory solutions in the market.
What does “Therapy for Finance” mean?
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It means understanding your relationship with money, not just calculating returns.
We look at your background, lifestyle, spending habits, responsibilities, goals, and how money actually makes you feel. Only then do we build a practical plan around the life you want.
You do not receive a random data dump filled with risk scores, Sharpe ratios, projections, and technical jargon. You receive clear decisions, practical actions, and advice that makes sense for you.
Can SthirOS work with my existing CA?
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Absolutely. You do not need to replace your CA.
We can work alongside them by helping prepare accurate capital-gains calculations, international asset schedules, investment records, and other financial information required for your return. Your CA can continue handling the filing while we help ensure the underlying financial data is complete and organised.
You can also choose to have your ITR filed through SthirOS.
Why should I trust SthirOS?
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SthirOS operates as a SEBI-registered investment adviser, which means we are legally required to act in your best interest and cannot earn commissions from the products we recommend.
Sakshum also brings close to a decade of experience in financial markets and financial analysis, including significant experience working with the financials of family offices, investment firms, and growing businesses.
Most importantly, our incentives are aligned with yours: you pay us for advice, and nobody else pays us for influencing that advice.
How much does ITR filing cost?
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Our ITR filing fees depend on your tax regime, income level, and the complexity of your return.
New tax regime, income below ₹1 crore: ₹3,000
Old tax regime, income below ₹1 crore: ₹4,000
New tax regime, income above ₹1 crore: ₹5,000
Old tax regime, income above ₹1 crore: ₹6,000
More complex returns involving foreign assets, business income, multiple properties, or extensive capital gains may be priced separately after review.
How much does will drafting cost?
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You can choose the level of support you need:
₹7,500: Will drafting, asset listing, and explanation of execution requirements
₹10,000: Will drafting plus complete support with signing, witnesses, and execution
₹20,000: Will drafting, execution support, and assistance with registration
Government registration charges and any external professional fees are additional.
How is SthirOS able to keep its pricing so accessible?
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We believe good financial advice should not cost an arm and a leg.
To keep our costs low, we use AI wherever it can make our work faster and more efficient. Every recommendation, calculation, and plan is still reviewed and verified by a human adviser before it reaches you.
This allows us to offer thoughtful, personalised advice at a price that is accessible to far more people.
How much work will I have to do?
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Very little.
We tell you what information is needed, organise it, remind you about deadlines, and guide you through every action. This includes ITR filing, advance tax, investment changes, insurance renewals, credit-card updates, nominations, and other important financial tasks.
You still approve the final decisions, but you do not have to remember, research, and coordinate everything yourself. SthirOS becomes your single point of contact for your financial life.
Will SthirOS help me implement the advice?
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Yes. We do not stop after telling you what to do.
We help you compare options, select suitable products, complete documentation, coordinate with the relevant professionals, and review what you are about to buy or sign. Whether it is an investment, insurance policy, credit card, tax filing, or will, we remain involved until the action is properly completed.
What financial decisions can I ask SthirOS about?
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Almost anything involving money.
You can speak to us about investments, insurance, taxes, credit cards, loans, emergency funds, major purchases, salary decisions, retirement, inheritance, nominations, wills, or changes in your financial life.
Even when something falls outside the direct scope of investment advice, we help you understand the decision, evaluate the options, and coordinate with the right professional where required.
Complaints can also be lodged through SCORES (scores.sebi.gov.in) or the SMART ODR portal (smartodr.in), or by calling the SEBI toll free helpline at 1800 22 7575 / 1800 266 7575.
Email: sakshum@sthiros.money
Email: sakshum@sthiros.money
Email: sakshum@sthiros.money
A For Individual Investment Adviser
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