Independent financial planning  ·  CFP®

Helping you see both sides of every financial decision

Personalised financial planning and portfolio management for individuals and families who want clarity, not complexity.

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Services
What I help you with

Each service addresses a specific dimension of your financial life, designed to work together as a complete, integrated picture.

Financial planning & goal setting
A structured, one-time exercise to map your current position, define your goals, and build the foundation for every decision that follows.
Portfolio review & rebalancing
Periodic review of your investments to ensure alignment with your risk profile, goals, and changing life circumstances.
Retirement & education planning
Long-term strategies for wealth accumulation to meet your most important life milestones, on your own terms.
Risk & insurance analysis
Assessing whether your existing cover -- life, health, and otherwise -- is adequate, with clear recommendations where gaps exist.
Wealth accumulation & preservation
Building and protecting wealth over time through disciplined, goal-oriented strategies suited to your risk profile.
Tax efficiency strategies
Structuring your investments and income to minimise tax drag and keep more of your wealth working for you over the long term.
Who I work with
People who want clarity over complexity

I work with individuals and families at different life stages who are ready to take their finances seriously and want an independent perspective to help them do that.

Working professionals
Individuals with growing incomes who want to make their money work harder but aren't sure where to start or how to structure their investments.
Families planning ahead
Families thinking about education, retirement, and long-term security who want a structured plan built around their specific goals and timeline.
Existing investors
People who already have investments in mutual funds or other instruments but want an independent review to ensure their portfolio is aligned with their goals and risk profile.
Products
What I work with

I work across a range of financial products to build portfolios and plans that are suited to each client's individual goals and risk appetite.

Mutual funds
Equity, debt, hybrid, and index funds across all major AMCs, structured to match your risk profile and investment horizon.
Overseas investments
Access to international market exposure and USD-linked investment products for clients looking to diversify beyond domestic markets.
Insurance planning
Life and health insurance analysis to identify gaps in your existing cover and ensure your financial plan is adequately protected.
Unlisted & startup investments
Access to pre-IPO and early-stage investment opportunities for clients looking to explore growth potential beyond listed markets.
How it works
A clear process, from start to finish

No surprises, no jargon. Every engagement follows the same structured steps so you always know where things stand.

01
First conversation
We talk through your current situation and what you're hoping to achieve. No obligation, no pitch -- just an honest conversation.
02
Financial plan
A thorough review of your finances -- goals, investments, insurance, tax, and risk profile -- to build the complete picture.
03
Strategy & execution
We agree on a plan and act on it -- restructuring a portfolio, addressing insurance gaps, or starting fresh with a clear direction.
04
Ongoing review
Annual portfolio reviews to keep your investments aligned as markets move and your life circumstances evolve.
About
The person behind TwoFold
Nishad Sundaram
Nishad Sundaram, CFP®
Financial Planner & MFD
ARN Registered · CFP®

I'm Nishad -- a financial planner with experience across HSBC and Sharekhan, where I worked closely with clients on their investments and financial decisions.

I started TwoFold because I believe most people make financial decisions with only half the picture. Every decision -- whether it's an investment, an insurance policy, or a retirement strategy -- has two sides. My job is to help you see both, clearly and without bias.

I have completed my CERTIFIED FINANCIAL PLANNER® (CFP®) certification and am a registered ARN holder, working with clients on mutual fund portfolios, financial planning, and long-term wealth strategies. My approach is to help you make informed, confident financial decisions -- with advice that is independent, transparent, and built around your best interests.

Philosophy
Financial planning should empower you to live purposefully, without anxiety about the future. My focus is on advice that is actionable, transparent, and built to adapt as your life evolves.
Nishad Sundaram, TwoFold
Contact
Let's start a conversation

If you're looking to bring structure and clarity to your financial life, I'd be happy to help you take the first step. Reach out directly and we'll find a time to talk -- no obligation.

Email
[email protected]
Phone
+91 86002 86258
Website
thetwofold.in
Send a message

I'll get back to you within 24 hours.