Sthir OS
The Stable operating system for your money.
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Launching June 2026

Your money,
finally sorted.

SEBI registered. Zero commission bias. Holistic view.

No generic gyaan. Specific, research-backed recommendations.

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The reality is a joke.
You're not bad with money. Just never had anyone in your corner.
Investments

Stock tips from a YouTuber. Qualification: good thumbnail. Result: vibes and anxiety.

Your Advisor

Bank RM calls every month with a 'great opportunity.' Great for his goals. Not for yours.

Insurance

Bought a policy from the neighbourhood insurance uncle. You're not sure what it covers — neither is he.

Credit Cards

Influencers get free flights & stays. You get a broken mixer, maybe.

The SthirOS way
The way it should have always been.
You pay us. Nobody else.

No commissions. No nudges toward products that benefit us. Just advice that's actually on your side.

We explain the why, always.

Every recommendation comes with the reasoning. The risk, the return, the tradeoff — in plain language, not jargon.

We understand you before we say anything.

Your income. Your anxiety. Your history with money. Your plan comes after we actually know you — not before.

We don't disappear after the first call.

Money changes. Life changes. We stay in it with you — not as a one-time consultant, but as someone in your corner.

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What We Do

Everything your money needs. One place.

01Know where you stand
Before advice, we understand you completely. ▾
Financial Planning

Bank statements, CC spends, investments, insurance — net worth, budget, gaps, and goals, all mapped out in one picture.

Where you stand. Where you're headed.
Insurance Optimisation

How much cover you actually need, which insurer to go with, and whether what you have is doing its job.

Not too little. Not the wrong thing.
Debt Optimisation

Home loan, car loan — we check your terms, flag if restructuring makes sense, and help you think about debt right.

Debt isn't bad. Bad terms are.
02Make your money work harder
Squeezing more out of what you already have. ▾
Investments

Review what you hold, cut what isn't working, and build a goal-linked plan for everything that comes next.

No noise. Just a portfolio built for you.
Tax Optimisation

Salary structuring, profit/loss harvesting, and filing — all handled under one roof, no need to go anywhere else.

Keep more of what you earn. Legally.
Credit Card Optimisation

Matched to your actual spends and lifestyle. Cashback, travel, or rewards — optimised entirely on your terms.

The right card for your life, not a referral.
03Plan the big moves
The high-stakes decisions most people make blindly. ▾
Salary Structure + ESOP Design

Tax-optimal salary structuring plus a clear-eyed look at your ESOP — vesting terms, what to hold, what to exercise.

Your comp package, finally working for you.
Purchase Decision Consulting

Home, car, or gadget — what you can actually afford without derailing goals, and what to check before you sign.

Buy with confidence. Not regret.
Succession

Will writing, nominations, making sure the right people get the right things, handled properly and without confusion.

Handle it once. Handle it right.
Why we exist

Your money has waited long enough.

We've watched too many smart, hardworking people make the same avoidable mistakes — not from carelessness, but because no one was ever honest with them.

That changes here.
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You're in. We'll reach out before June 2026.
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Early Access

Be first in line.

We're launching June 2026. Drop your email and we'll reach out before anyone else.

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