Wealth Tank logo WEALTH TANKHolistic financial planning Book a consultation →
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Plan first. Then invest.insure.buy.retire.

Every rupee given a job. Every goal given a date.

An independent financial planning practice for families and business owners. Insurance, investments, tax, retirement, loans and real estate, planned together in one written plan. We advise; we never sell.

Book a consultation → Try our calculators
One-to-one consultation No products sold, ever Advice tied to no company
Start hereTakes 30 seconds

What would you like to plan for?

Pick one. Your planner will prepare for your first conversation around it.

Talk to a planner about family protection →

Advice only. We don't sell financial products.

12+years advising Indian families
1,000+clients served
10,000+sales professionals trained
38yrscombined leadership experience
Policy health checkIs the cover you hold right, and worth its cost?→ Portfolio reviewAn unbiased second opinion on your investments→ Claim guidanceKnow your rights and the documents you need→ For businessesEmployee benefits and key-person planning→
Holistic financial planning

Eight areas of your money. One plan.

Most people get advice one product at a time. A financial planner looks at every area together, because a decision in one changes the others. Choose an area to see what we review.

Plans for every life stage

Where are you right now?

Money priorities change every decade. Choose your stage to see what matters most, and the gaps we most often find.

Our planning process

Six steps, the international way

We follow the six-element financial planning process published by FPSB, the global standards body for financial planning. Each step ends with something you can hold in your hand.

  1. 1

    Define the relationship

    A first conversation about what you want to achieve. We agree the scope and timeline before any work begins.

    You receive: an engagement letter
  2. 2

    Collect your information

    Your goals, family, income, expenses, assets, loans, policies and property: the numbers and the priorities behind them.

    You receive: a document checklist
  3. 3

    Analyse your position

    Where you stand today across all eight planning areas, and the gaps between where you are and where you want to be.

    You receive: net-worth and cash-flow statements
  4. 4

    Recommend and present

    A written plan with clear recommendations, the reasoning behind each, and the alternatives we considered.

    You receive: your written financial plan
  5. 5

    Implement

    You act on the plan with providers you choose. We guide each step and check that what you buy matches what the plan needs.

    You receive: a step-by-step action list
  6. 6

    Review

    Markets, tax rules and your life all change. We review the plan at least once a year and after any big life event.

    You receive: an annual review meeting
Calculators

See the numbers before you decide

Quick estimates to start the conversation. Your planner will refine them for your situation.

₹500₹2 L
1 yr40 yrs
4%15%
0xyour money
Estimated value at the end
₹0
You invest
Estimated growth

Illustrative only. Mutual fund returns are not guaranteed and can be lower or negative.

Before we recommend anything

Eight questions we ask every family

“Goals before products. A plan that starts with a product usually ends with a regret.”
The Wealth Tank way
  1. 01What is the goal, how much does it need, and by when?
  2. 02What happens to the family if the earner falls sick or dies tomorrow?
  3. 03Is there an emergency fund of 6–12 months of expenses?
  4. 04What is the real return after tax and inflation?
  5. 05What are all the costs: expense ratio, charges, exit load, surrender value?
  6. 06How quickly can you get the money in an emergency?
  7. 07Who sold you each product, and how were they paid?
  8. 08Is there a nomination and a Will, so money reaches the right person?
Leadership

The people behind your plan

Nearly four decades of combined experience in financial services, sales leadership and training.

Ritesh Tripathi

Founder

Ritesh Tripathi

Holistic financial planner, Lucknow

Ritesh founded Wealth Tank to give families and business owners one trusted planner for every money decision. His focus is holistic planning for families building and protecting wealth across generations: protection first, then disciplined investing for every goal.

12+years in financial services
1,000+clients advised
10,000+professionals trained
Holistic financial planningFamily & business wealthSuccession planningCo-founder, Milestone Incorporation
Instagram @grow_with_ritesh_tripathi ↗LinkedIn ↗X @Riteshgbpant ↗
Anurag Kesarwani

Co-founder

Anurag Kesarwani

Facilitator, mentor, coach & counsellor

Anurag brings 26 years in sales, training and development across insurance, banking and finance. Known for fun-based learning and needs-based programme design, he leads training and team consulting at Wealth Tank and founded Milestone Incorporation.

26years in sales & training
30,000+professionals trained
4sectors: insurance, banking, finance, research
  1. 2001M.Com, University of Allahabad
  2. 2008NCFM certification, Mutual Funds
  3. 2013LOMA FLMI, Level 1
  4. 2014III Certified Trainer, Mumbai
  5. 2016Associate, Insurance Institute of India
Instagram @anumanu1206 ↗LinkedIn ↗Milestone Incorporation ↗
How we practise

Eight principles we hold ourselves to

The ethics of professional financial planning, written as plain promises.

01

Client first

Your interest comes before ours, in every recommendation.

02

Integrity

We tell you what you need to hear, not what is easy to say.

03

Objectivity

We sell no product, so our advice isn't tied to any company.

04

Fairness

Any possible conflict of interest is disclosed to you upfront.

05

Professionalism

We keep commitments, deadlines and the dignity of every conversation.

06

Competence

We keep learning, and say so when a question needs another specialist.

07

Confidentiality

Your information stays with us and is never sold or shared for marketing.

08

Diligence

Every number in your plan is checked, sourced and explained.

Our weekly show

Chai pe Paisa

Money talk, over a cup of chai.

Ritesh and Anurag break down the week's money news, insurance rules and investing myths in plain Hinglish. New episodes and reels every week.

Watch on Instagram →
Careers

Build a career in financial consulting

Learn holistic financial planning from people who have trained thousands of finance professionals, and grow with a consulting firm that puts advice first.

  • Structured training in financial planning
  • Work on real client plans with senior consultants
  • Mentoring from a 26-year trainer
  • Open to graduates and working professionals
Apply to join →
Latest insights

What we're talking about

Recent notes from our team on LinkedIn and Instagram: regulation, insurance and how families organise their wealth.

Family wealth · Ritesh Tripathi on LinkedIn · 14 Oct 2026

₹14 crore net worth. Zero plan.

A composite case from Lucknow's business families: land across two districts, deposits in six banks, no Will. Why the first question is never "where should we invest?" but "what is this money for?"

Read the case → Health cover · Ritesh Tripathi · 12 Oct 2026

Would you accept a 10% co-pay for a lower premium?

The industry's proposed co-pay from 2027, and why most families would need a bigger emergency fund.

Join the discussion → Health insurance · Wealth Tank · 12 Oct 2026

Three health insurance developments to track this month

A proposed 10% co-pay, benchmarked hospital rates and the commission-cap consultation, and what to do now.

Read on LinkedIn →
Working with us

Your first meeting, and what to bring

What to expect when you sit down with us, and how to make the most of the time.

Our independence

  • Advice, not products. Wealth Tank does not sell, distribute or broker any financial product or property.
  • A written plan. Our recommendations and the reasoning behind them are written down for you to keep.
  • Conflicts disclosed. If we ever suggest a product or service connected to anyone on our team, we tell you in writing first. You are always free to buy anywhere.
  • Your data stays private. We use your information only to build and review your plan.
Your first meeting
45–60minutes
1-to-1with a founder
In personor video call

Bring to your first meeting

0 of 8 ready

Tick items as you gather them. This list stays on your device only.

FAQ

Questions people ask us first

Can't find your answer? Ask us on WhatsApp and a planner will reply.

Do you sell insurance or mutual funds?

No. Wealth Tank is a consulting firm. We give advice and a written plan; you decide where and from whom to buy any product.

What happens in the first meeting?

We listen. We talk about your family, your goals and what is worrying you, look at the documents you bring, and leave you with a clear picture of where you stand and what to look at next.

Can you review policies and investments I already have?

Yes. Bring your policies and investment statements. We check cover, costs and returns, and tell you plainly what is worth keeping.

Can you help me understand a claim?

Yes. We explain what your policy covers, which documents the insurer will ask for, and what to do if a claim is delayed or rejected.

Do you earn commission from builders or brokers?

No. Wealth Tank does not broker property and takes no developer or broker commission. Our real estate advice is paid for by you, so it works for you.

Can we meet online if I'm not in Lucknow?

Yes. We advise families across India and NRIs over video call, and meet in person in Lucknow.

Motor & fleet insurance advisory

The right cover for every vehicle, from one bike to a whole fleet.

Motor policies look alike until the day you claim. We check what your vehicles really need, compare options across insurers, and guide you through renewals and claims. You buy from the insurer of your choice.

Private carsComprehensive and own-damage cover
Two-wheelersBikes and scooters, single or in bulk
Goods carriers & trucksCommercial vehicles of all tonnages
Passenger vehiclesTaxis, buses and school vans
Fleet policiesMany vehicles, one plan and one renewal calendar
Add-on coversZero depreciation, engine protect, roadside assistance, return to invoice, NCB protect
Real estate investment consultancy

Buy property with a plan, not a pitch.

For most families, property is the largest purchase they make and the least planned. We don't broker property and take no developer commission. We help you decide whether to buy, what to buy, and how to pay for it.

The Wealth Tank property test

Five questions we work through with you before you sign anything.

  1. Why are you buying?A home to live in, rental income and long-term appreciation each need different numbers. We start by naming which one this is.
  2. Can you afford it without hurting other goals?The down payment should come from surplus, not your emergency fund or your child's education money. We stress-test the EMI against your take-home pay and a rate rise.
  3. Does the investment math work?Gross rental yields in India's top housing markets are around 3.2–4.6% a year (ANAROCK, Q2 2026), usually below home-loan rates. The return then has to come from appreciation, so we test how much you'd need.
  4. Is it legally clean?We coordinate the document checks with your property lawyer, from the title chain to the occupancy certificate.
  5. Does it fit your overall portfolio?How much of your wealth will sit in one illiquid asset, and what is the exit plan? Sometimes REITs or a smaller purchase do the same job better.
Check a property's numbers →
Due-diligence checklist

Documents to verify before you pay a token amount

  • Title chainOwnership documents going back about 30 years
  • Encumbrance certificateNo mortgage, lien or pending case on the property
  • RERA registrationFor under-construction projects, matched to project and developer on the state RERA portal
  • Sanctioned building planApproved by the development authority, and matching what is built
  • Land useResidential use confirmed, not unconverted agricultural land
  • Occupancy / completion certificateFor ready-to-move property
  • Tax and duesProperty tax, society and utility dues paid up to date
  • Seller identitySeller's ID and authority match the ownership records

A planning checklist, not legal advice. Final verification should be done by a qualified property lawyer.

What we help with
Buy vs rent analysisAffordability & loan structuringInvestment property evaluationReady vs under-constructionDue-diligence coordinationCapital gains planning on saleNRI property guidanceREITs as an alternative
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