Flagship Practice Area
Personal Finance Advisory
Holistic financial planning for promoters, professionals and families — wealth, tax, succession and protection under one trusted advisory umbrella.
Personal Finance Advisory
Business owners and professionals often manage significant personal wealth with less structure than their businesses. Our personal finance practice brings the same discipline to personal affairs — planning, tax, succession and protection under one advisory relationship.
The approach is holistic: personal balance sheet, family goals, tax position and succession intent considered together rather than in isolation.
What This Covers
The scope of our personal finance advisory work.
Financial Planning
Goal-based planning across income, assets, liabilities and life events.
Tax Planning for Individuals
Structuring salary, capital gains and investment income efficiently within the law.
Investment Advisory
Framework-led guidance on asset allocation aligned to goals and risk appetite.
Estate & Succession Planning
Wills, family arrangements and structures for orderly intergenerational transfer.
Insurance Advisory
Reviewing protection needs — life, health and asset cover — against actual exposure.
Wealth Structuring
Holding structures for family wealth, including trusts and family arrangements.
Retirement Planning
Building a retirement corpus and a drawdown plan that outlasts working years.
Who It’s For
Built for the people who need it most.
Promoters and business owners with wealth concentrated in their business
Senior professionals planning tax, investments and retirement
Families planning succession and intergenerational transfer
Discuss personal finance advisory with a partner.
Every engagement at R Dugar & Associates is partner-led. Tell us where you are — we’ll tell you honestly how we can help.