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CLEARPATH
WEALTH
Make your money work as hard as you.
🏛️ SEBI Registered Investment Adviser · India

Your Money Should Work
as Hard as You Do.

You work hard for your money. We make sure it works just as hard for you.

ClearPath Wealth is a SEBI-registered, fee-only financial planning practice. We earn only from you — not from any product we recommend. Simple as that.

Book Appointment → See Plans & Fees
✓ Flat fee. Fully transparent. ✓ 100% virtual. Pan-India + NRI.
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Warren Buffett
Warren Buffett

"The stock market is a device for transferring money from the impatient to the patient."

Howard Marks
Howard Marks

"The most important thing is not to be right on average. It's to avoid big losses. Asymmetry of outcomes is what separates great investors."

Investing wisdom that shapes our philosophy

Time in the market beats timing the market.

A consistent ₹20,000 monthly SIP builds far more wealth than timing the market. Stay invested. Always.

50
Lakhs
Consistent
SIPs
33
Lakhs
Missed
10 best days
27
Lakhs
Missed
20 best days
SIP illustration
₹20,000/month · Same fund · Same amount · 10 years

Illustrative only. Based on long-term Sensex studies & mutual fund industry research. Values proportionally scaled.

🏛️
SEBI Registered
Reg. No. INA000021924
💼
Experience
22 Years in the Corporate World
🌏
Serving
India & NRIs Worldwide
The ClearPath Difference

Pure Advice. Zero Conflicts.
Total Transparency.

When your bank RM recommends a fund, they earn a commission — every year, silently, from your money. A SEBI-registered fee-only advisor earns nothing from products. Our only income is your flat fee.

📋

Your Wealth Grows. Your Fee Doesn't.

Flat fee whether your portfolio is ₹20L or ₹2 crore. Not a % of your money.

⚖️

Legally Bound to Your Interest

Strict fiduciary standard under SEBI. Not a marketing promise — it's the law.

🔍

Zero Hidden Costs

Flat fee, all-inclusive, stated upfront. No surprises. Ever.

🎯

Only One Master — You

Zero income from products. Our sole motivation is your plan's success.

What Matters Commission Advisor ClearPath Wealth
Earns from you, not products✗ No✓ Yes
SEBI Registered RIA✗ Often not✓ Yes
Fiduciary duty to client✗ No✓ Yes
Recommends direct funds✗ No✓ Always
Recommends only needed insurance✗ Rarely✓ Yes
The Hidden Cost of
Selecting Wrong Fund
Regular Plan
₹5.0 Cr
Assumed 30 years
Higher Expense Ratio (~1.6%)
Includes Distributor Commission
The Gap
₹1.2 Cr
That's a House,
a Child's College Fee, or
Retirement Security.
Direct Plan
₹6.2 Cr
Assumed 30 years
Lower Expense Ratio (~0.6%)
No Distributor Commission

Illustration assumes 12% gross annual return. Actual returns will vary.

Book Appointment →
The Story

The Story Behind
ClearPath Wealth

"Twenty-two years. Two countries. One realisation — most smart people are quietly losing money, and they don't even know it."

01
My Journey

Twenty-Two Years, Two Countries

A corporate career spanning India and Singapore. And a growing obsession with understanding how money actually works. Since 2010, I've been investing in Indian and global equity markets — learning the hard way, building a framework that works, and watching compounding do what it promises.

02
What I Saw

Smart People. Scattered Money.

All around me were high-earning professionals who were brilliant at their work — yet completely unsupported when it came to their money. Savings accounts earning 3%. FDs that couldn't beat inflation. Insurance policies that nobody fully understood. The income was there. A plan was not.

03
Coming Home

Same Story. Bigger Scale.

Returning to India, I expected it to be different. It wasn't. High earners, senior professionals — highly capable in their careers, yet navigating finances without a plan, without guidance, and without anyone truly working in their interest.

🌱
Why I Started This

I've been on both sides — the confused investor with money sitting idle, and the one who finally understood how to make it compound. That gap is exactly what ClearPath closes. I built this practice to be the advisor I wish I'd had — one who has no incentive to sell misfit products and whose only desire is to make your money work hard for you.

Mahesh Kumar K. SEBI Registered Investment Adviser · INA000021924
22 yrs
Corporate career across
India & Singapore
Since 2010
Investing in Indian &
global equity markets
SEBI RIA
Reg. INA000021924
Plans & Pricing

Three Plans. Choose Your ClearPath.

Fixed annual fee. All-inclusive. You pay once — we work for you all year.

Investment Focused

💼 ClearPath Capital

"Pure investment advice. No life-goal planning, just wealth building."

₹12,000
Annual Fee. All-Inclusive.
Renewal ₹6,000
💼 Investments Only · Residents & NRIs
  • 🛡️ You decide what to disclose. We build a strategy strictly for the capital you choose to allocate.
  • 🩻 Portfolio Cleanup by reviewing your current investments.
  • 🎯 Building Personalised Asset Split through right mix of diverse funds based on your personal risk tolerance (after mandatory risk assessment). Mutual funds only.
  • ⚖️ We tell you exactly where and how to deploy your money without agents using best direct methods.
  • 🔄 We adjust your portfolio every six months based on market conditions.
Most Popular

🏡 ClearPath Resident

"A complete financial plan for your life in India."

₹18,000
Annual Fee. All-Inclusive.
Renewal ₹9,000
👨‍👩‍👧 Salaried · Families · Retirees · Any age
  • 💼 Everything in ClearPath Capital
  • 📊 Complete financial plan — investments, tax, retirement
  • 🛡️ Insurance deep-dive + portfolio audit
  • 🎯 Goal planning with ₹ targets & timelines
  • 📞 Mid year review call and continued support
NRI Specialist

✈️ ClearPath Global

"A complete financial plan for the Global Indian."

₹25,000
Annual Fee. All-Inclusive.
Renewal ₹12,500
✈️ NRIs · Global Indians
  • 🏡 Everything in ClearPath Resident
  • 🌐 NRE/NRO strategy & FEMA compliance
  • 🏠 Return-to-India roadmap
What's Covered

Five Areas. One Integrated Plan.

Every part of your financial life — connected, structured, and working together.

📈

Investments

Clean up existing holdings and deploy capital efficiently in a goal-mapped portfolio.

🛡️

Insurance & Risk

Secure pure health and life cover. Identify and cancel expensive junk policies.

🏖️

Retirement

Know exactly how much you need to stop working. Build a portfolio that pays you for life.

💡

Tax Optimisation

Legally reduce your tax burden. Structure assets to maximise post-tax returns.

🎯

Life Milestones

Stop guessing. Know the exact amount you need for your kids' college fund or a new house, and exactly how to get there.

How We Work

From First Call to
Clear Financial Direction — in 5 Steps

Plan delivered in 2 weeks. Then 12 months of ongoing support — all remote, all included.

1
📞
Free Discovery Call
Short call. No pitch. We understand your situation and tell you honestly which plan fits.
2
✍️
Fee, Agreement & KYC
Select your plan, pay the flat fee, sign the agreement, and complete SEBI KYC (Aadhaar + PAN).
3
📋
Financial Intake
Share your full financial picture via a structured questionnaire. Everything is strictly confidential.
4
📄
Plan in 2 Weeks
Receive your comprehensive written plan. We walk through every detail together on a call.
5
🔄
12 Months Support
One mid-year review call, ad-hoc consultations as your life changes, and email support throughout. All remote.
Questions

Common Questions,
Straight Answers

What exactly is a "fee-only" financial planner — and why does it matter? ▾
A fee-only planner earns only from the flat fee you pay — nothing from any product company. No commissions, no hidden incentives, so the advice is genuinely yours.
Do you actually manage my investments, or just give advice? ▾
We advise — you execute. We tell you exactly which funds to buy and on which platform; you place the order yourself. Your money stays fully in your control at all times.
I already have SIPs, insurance policies, and some FDs. Why do I need a financial plan? ▾
Having investments is not the same as having a plan. Most people have SIPs with no goal attached, insurance they don't fully understand, and no idea if they're on track — a plan ties everything together.
I'm an NRI in Singapore/Dubai/US. Can I work with you? ▾
Yes — ClearPath Global is built for exactly this. Having lived and worked in Singapore ourselves, we understand NRI finances: NRE/NRO accounts, FEMA compliance, and the return-to-India transition. Everything is 100% virtual.
What exactly does ClearPath Capital / Resident / Global buy me? ▾
A full year of engagement — written plan in 2 weeks, a walkthrough call, one mid-year review, and email support all year. All fees are fixed and all-inclusive. No hidden charges.
I'm 24 and just started my first job. Is this too early for financial planning? ▾
Starting at 25 vs 35 — same SIP, same fund — gives you over ₹2 crore more at retirement. The earlier you start, the harder compounding works for you.
My bank relationship manager gives me "free" advice. Why should I pay you? ▾
Your RM earns a commission from every product they sell you — that cost comes out of your returns silently every year. Our fee is upfront, clear, and the only thing we earn.
What if I'm not happy with the plan you create? ▾
The plan walkthrough is a two-way conversation — if something doesn't feel right, we work through it together until you're comfortable with every recommendation.

Stop Letting Your Money
Sit Idle. Start Building.

The best time to start was yesterday. The second best is today. Book an appointment — no pitch, no pressure.

5 mins
Free discovery call
48 hrs
Response guarantee
₹0
Cost to talk to us
Book Appointment → View Plans & Fees
Let's Talk

Your First Step Costs
Absolutely Nothing.

Fill in the form. We'll get back within 48 hours to confirm your appointment. No pitch. Just an honest conversation about your situation.

You submit → we respond in 48 hrs → short video call at your convenience. A real person responds every time.

🌐
Website clearpathwealth.in
📧
Email maheshk07@gmail.com
📱
Mobile / WhatsApp +91 7358447244
📍
Where We Serve 100% Virtual · India & NRIs Worldwide
🕐
Availability Mon–Fri · All calls via video, flexible timings

Send Us a Message

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SEBI Mandated

Data to be Displayed by Investment Adviser

As required by SEBI Circular SEBI/HO/IMD/DF1/CIR/P/2021/575 dated 23 August 2021

Part A — Registration Details
NameMahesh Kumar K
TypeIndividual Investment Adviser
SEBI Reg. No.INA000021924
Registration Date23 February 2026
ValidityPerpetual (subject to compliance)
BSE Enlistment No.2444 (23 Feb 2026)
Principal OfficerMahesh Kumar K
Phone+91 73584 47244
Emailmaheshk07@gmail.com
AddressKripalayam, Tarur, Tarur-1,
Palakkad – 678544, Kerala
Part D — Qualifications & Experience
QualificationPost Graduate
NISM CertificationNISM Series X-A (Level 1) & X-B (Level 2)
Corporate Experience22 years — India & Singapore
Investing Since2010 — Indian & global equities
Advisory ModelFee-only (no commissions)
Websitewww.clearpathwealth.in
Part B — Services & Fee Structure
Plan Scope of Service Annual Fee
ClearPath Capital Financial plan, goal mapping, investment setup. For individuals under 30. ₹12,000
ClearPath Resident Comprehensive plan, portfolio review, tax optimisation, insurance review. For Indian residents. ₹18,000
ClearPath Global NRI-focused plan, FEMA/NRE-NRO strategy, remittance planning, cross-border compliance. ₹25,000
All fees are fixed annual retainer. Renewal fee for 2nd year is 50% of full fee paid for first year if renewed within one month of first year expiry.
Part C — Investor Complaint Data

Updated monthly as required by SEBI. Data source: SCORES portal & direct records.

Month Pending at Start Received Resolved Pending at End Pending > 3 Months
February 2026 0 0 0 0 0
March 2026 0 0 0 0 0
Last updated: April 2026  |  Registration month: February 2026  |  New registration — no prior complaints

Regulatory Disclosure: ClearPath Wealth is a SEBI Registered Investment Adviser (Reg. No. INA000021924) operating as an individual adviser. Registration does not imply endorsement or guarantee of returns by SEBI. Investments in mutual funds and securities markets are subject to market risks — please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. This website is for informational purposes only and does not constitute investment advice. ClearPath Wealth does not distribute financial products, does not receive commissions, trail fees, or any remuneration from product companies. Fees are charged directly from the client, paid 100% in advance. No penalties or directions have been issued by SEBI or any other regulatory body against this practice. For grievances, investors may write to maheshk07@gmail.com or lodge a complaint at scores.sebi.gov.in (SEBI SCORES) or smartodr.in (ODR Platform). | +91 7358447244