Phi Wealth
Verified by SpringPrincipal Advisor: Palnika Hemnani
SEBI RIA REG NO: INA000021605
Phi Wealth is built around the unique financial realities that women often navigate. Advice here is holistic by design and operates on a fee-only model.
Fee Structure
* Fees may vary depending on scope.
Credentials
- ✓SEBI Registered Investment Advisor
- ✓Former Investment Banker
Ideal Clients
Women professionals, couples and families, and HNIs seeking thoughtful, specialized, and holistic fee-only advice.
Services Offered
Comprehensive Financial Planning
Holistic planning covering investments, cash flows, insurance, and long-term goals.
Women-Centric Wealth Advisory
Thoughtful, specialized guidance designed around the financial realities of women professionals.
Fee-Only Investment Advisory
Conflict-free and unbiased investment advisory with zero commissions and product push.
About Phi Wealth
Phi Wealth, founded by former investment banker Palnika Hemnani, is based on a simple conviction: you deserve advice that reflects your life as it is, not as it is assumed to be. From caregiving responsibilities to uneven entrepreneurship, from pay gaps to longer lifespans, women often navigate financial realities that require thoughtful, specialized guidance. Most advisory practices are not built around these realities. Phi Wealth is. Advice here is holistic by design. Your investments, cash flows, insurance, and long-term goals are considered together, so you can make decisions with clarity and context, not in isolation. The practice operates on a fee-only model, so the focus remains on what works for you. No commissions, no product push, no hidden incentives. Just advice that is thoughtful, practical, and designed to stay relevant as your life evolves.
Frequently Asked Questions
Is Phi Wealth's advice different for women clients?
The financial planning fundamentals are the same for everyone, but the context often isn't. Women professionals frequently navigate career breaks, unequal pay trajectories, longer retirement horizons, and financial decisions made within a family dynamic where they may not have historically been the primary voice. Phi Wealth is built with that context in mind: we make sure women clients are active, informed participants in their own financial plan, not just co-signatories on someone else's.
How do I get started?
The first step is a discovery call — no commitment required. We'll understand your situation, walk you through our approach, and let you decide if it's a fit. You can book directly through our website at https://phiwealth.in/contact
I've never worked with a financial advisor before and honestly find this overwhelming - is that okay?
That's exactly who we're built for. You don't need to have your finances in order before you speak with us. That's our job. The first conversation is just that: a conversation. No jargon, no pressure, no judgment about where you're starting from.
