Cross-border money, explained the way it actually works.
Wealth planning, FIRE, NRI tax & FEMA compliance, residency & citizenship planning, and global property investment — for NRIs who want the real mechanics, not the two-line version.
The details that actually change your outcome
RNOR isn't a fixed 2–3 year window. It depends on two tests that look backward at your travel history — not your move-back date. Two people relocating on the same day can land in completely different tax positions.
Keeping your old resident account after becoming an NRI isn't a paperwork delay. It's a FEMA Section 13 exposure of up to 3× the amount that passed through the account — not 3× your tax bill.
The $250K/year LRS limit and your NRO account aren't separate pools. RBI aggregates both under one $1M/PAN ceiling — there's no extra room through the NRO route.
Six ways we help
Cross-Border Wealth & FIRE Planning
A plan that holds up across two tax systems and two currencies — built around your actual residency status, not a generic retirement calculator.
NRI Tax & FEMA Compliance
RNOR status, resident-account conversion, LRS and NRO limits, DTAA — the rules that carry real penalties when they're missed.
Residency & Citizenship Planning
Second-residency and citizenship routes mapped against your actual timeline, tax exposure, and what happens to your India tax status once you hold one.
Global Property Investment
Buying, holding, and exiting property across India, Southeast Asia, the Gulf, and beyond — structured so each jurisdiction's rules and taxes don't erase the return.
Mutual Fund & ETF Investing
Which Indian mutual funds and international ETFs you can actually hold as an NRI, PFIC and reporting exposure for US-based investors, and how a change in residency status changes what's available to you.
1:1 Consultancy
A working session on your specific numbers and timeline — not a template.
Recent breakdowns
RNOR Isn't 2 Years — The NRI Tax Myth That Costs Lakhs
Why two people moving back on the same date can get 3 years of RNOR — or zero.
The Bank Account Mistake That Can Legally Cost an NRI ₹12 Crore
What FEMA Section 13 actually penalizes, and why most banks never flag it.
LRS Isn't for NRIs — The $250K Myth That Freezes Repatriations
A real ₹41 lakh enforcement case, and the ceiling most people miscalculate.
The Rupee Just Crossed 96 — Here's the NRI Mistake Already Costing People Money
The Fed, the tariff bill, and the USD/CNY move most coverage is missing.
Start a conversation
Tell us what you're navigating — RNOR timing, a property purchase, a repatriation limit — and we'll get back to you.