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For Tech Professionals

Built for Engineers,
PMs, and Tech Leaders

You earn well — often more in stock than salary. You invest in US ETFs, Indian mutual funds, and maybe some crypto. You travel for work, possibly across countries. The standard financial advisor cannot navigate this complexity. We can.

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The Reality You Face
The Hidden Costs of Tech Compensation

High RSUs, foreign assets, and complex compensation structures mean tax mistakes here are expensive. Here is what we see most frequently:

01
Massive single-stock concentration in employer RSUsTech employees at MAANG, Microsoft, NVIDIA, Adobe often have 60-80% of net worth in a single stock. One bad quarter can wipe out years of compensation. Most ignore this until it hurts.
02
Mis-filed Schedule FA and Form 67If you held foreign assets (US stocks, 401k, foreign accounts) and did not disclose them on Schedule FA, you face penalties up to ₹10L per year. Most tax filers miss this entirely.
03
Crypto compliance ignorance30% flat tax + 1% TDS + no loss offset is unfavourable, but unreported VDA transactions trigger investigation by IT Department. We see panic conversations every March.
04
Returning NRIs miss the RNOR windowIf you moved back to India after 2-3 years abroad, you have a once-in-a-lifetime tax-free window to liquidate foreign assets. Most discover this 6 months after they should have used it.
How We Help
Six Services Built for the
Tech Professional Reality
RSU & ESOP Tax Planning
Restricted Stock Units, ESOPs, and stock options have very specific tax treatment in India — and double-taxation risks for those who held them while working abroad. We help you understand vesting schedules, perquisite tax, and the right time to sell.
  • RSU perquisite tax + capital gains stack
  • ESOP exercise timing and FMV calculations
  • Form 67 for foreign tax credit
  • Section 17(2) and Schedule FA filing
Tech-Specific
US Stock & ETF Investing
MSFT, AAPL, NVDA RSUs, plus self-directed US stock investing through Indian brokers (INDmoney, Vested) — all of these create US source income and tax complexity. We help you structure US stock holdings tax-efficiently.
  • US stock direct investing strategy
  • TCS implications on remittances (LRS)
  • FEMA compliance for foreign assets
  • Schedule FA disclosure (very important)
Cross-Border
Crypto & Web3 Tax Compliance
30% flat tax on crypto gains, 1% TDS on transfers, no offset of losses. The rules are unfavourable but the compliance is mandatory. We help you stay on the right side of the law while structuring holdings smartly.
  • VDA tax compliance and reporting
  • Form 26AS reconciliation
  • Crypto-to-crypto transaction tax
  • Schedule VDA in ITR-2
Web3 Smart
Wealth Building Beyond RSUs
Tech professionals often have wealth concentrated in their employer's stock — risky. We help you systematically diversify out of single-stock concentration into balanced portfolios using SIPs, debt funds, and international diversification.
  • Single-stock concentration de-risking
  • Diversification SIP strategy
  • Debt allocation for stability
  • International funds and GIFT City
Risk Management
Returning from US/UK/Singapore? RNOR Strategy
When you move back to India, you get a 2-3 year tax window called RNOR where foreign income is not taxable in India. This is the best time to liquidate US 401k, RRSP, ISAs, or any foreign retirement accounts — without Indian tax.
  • RNOR tax window calculation
  • 401(k), Roth IRA, ESPP repatriation
  • Foreign asset disposal timing
  • Section 89A relief for retirement accounts
Returning NRI
Insurance, Retirement, and Goal Planning
Beyond stocks and crypto — the basics done right. Term cover sized for your dependants, NPS Tier-I for tax efficiency, child education corpus, retirement targeting. The boring fundamentals that most tech professionals skip.
  • Term insurance (15-20x annual income)
  • NPS + EPF + ELSS optimisation
  • Goal-based corpus planning
  • Annual portfolio review and rebalancing
Foundation
Case Study
How a Bangalore Engineering Director Saved ₹14L in 3 Years

Mr. R, a 36-year-old Engineering Director at a US-headquartered SaaS company, had ₹2.4 Cr in employer RSUs (representing 70% of his net worth), held US stocks via INDmoney, and had failed to file Schedule FA for two years. We restructured his RSUs through systematic quarterly selling (avoiding panic exits and tax bunching), filed late Schedule FA disclosures with proper voluntary compliance, opened GIFT City IFSC accounts for diversified USD investing, and built a 12-month roadmap to bring single-stock concentration from 70% down to 25%. Combined three-year impact: ₹6L in tax savings, ₹4L in penalty avoidance from late Schedule FA, and an estimated ₹4L in concentration risk avoided when his employer's stock dropped 22% in one quarter.

*Client name changed for privacy. Outcomes vary based on individual circumstances.

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