Cosmaeon

Wealthintelligence

Wealth intelligence for Indian households. A book of files. A CFA-process rupee IPS. Look-through, drift, and a liquidity calendar. One next action. Not a pile of calculators. Not advice.

India households

One tap. Stored on this device. Educational illustration — confirm statute with counsel.

The process

Six steps. One operating desk.

Engage, collect, analyze, policy, implement, monitor — the CFA private-wealth cycle, not a row of calculators. The desk always opens on the binding step.

  1. 01EngageRelationship and scope.
  2. 02CollectGoals, facts, constraints.
  3. 03AnalyzePosition, cash flows, risk.
  4. 04PolicyObjectives, TTLLU, mix.
  5. 05ImplementLocation, vehicles, automate.
  6. 06MonitorReview, rebalance, events.

The desk

Wealth intelligence, as an operating system.

The same modules a family-office platform ships — map, policy, look-through, drift, calendar, book — written as a CFA process, not as a feed of products.

  • Wealth map

    Five capitals, conversion of labour into financial capital, and family governance — inferred from facts.

  • Policy desk

    A written IPS. Ability, willingness, need. TTLLU. The mix that follows, not a model portfolio.

  • Look-through

    Where wealth sits: cash, retirement, property, the firm, human capital. Statement groups, not a feed.

  • Policy drift

    Held versus policy on a ±5 point band. A rebalance illustration — not an order ticket.

  • Liquidity calendar

    Twelve months of SIP, EMI, tax notes, and dated goals. Reporting is information; review is a meeting.

  • Household book

    Up to eight files on this device. A book of households, not a cloud CRM and not a custodian.

01

Engage

Resident or NRI, metro or not, old or new regime, household, and the character of Indian income.

02

Collect

Rupee statement of financial position, payday cash flows, EPF/NPS, home loan, and human capital.

03

Analyze

Ability, willingness, and need. TTLLU. Five capitals. The conversion of labour into financial capital.

04

Policy

A written IPS. Pure term, family floater, parents’ cover, will and nominees. 80C / NPS notes — not a tax computation.

05

Implement

Salary-day SIP, PPF/NPS location, education and wedding funds, home-loan vs invest, NRE/NRO.

06

Monitor

A single next action, a queue in CFA order, and exceptions that open the right view.