Your Business Creates Wealth.
We Help You Organise, Protect & Carry It Forward.
Comprehensive financial advisory services designed specifically for SME owners and business families. From IPO readiness to retirement planning, we bring every part of your financial world together.
Our Services
Twelve specialised advisory services, each designed around the realities of business ownership.
SME IPO Listing
Prepare your business for an SME IPO with readiness assessment, financial restructuring, governance improvement, documentation and listing coordination.
Financial Check-Up
Get a comprehensive diagnosis of your business finances, personal wealth, liabilities, taxation, insurance and financial risks.
Wealth Planning
Create a structured wealth plan that balances business ownership, investments, liquidity, risk, taxation and family goals.
Tax Advisory
Integrate business, promoter, investment, property and succession taxation through proactive and compliant tax planning.
Retirement Blueprint
Create a retirement income plan that is independent of your business and designed around your family's future requirements.
Insurance Strategy
Review life, health, property, liability and business insurance to protect your family and enterprise without unnecessary duplication.
Debt Support
Improve cash flow through loan review, refinancing, working-capital assessment, lender coordination and debt-restructuring support.
NRI Solutions
Coordinate Indian taxation, banking, investments, property, remittances and succession matters for NRIs and their families.
Realty Guidance
Make informed property decisions with financial evaluation, funding analysis, tax review, documentation support and transaction coordination.
Family Office
Coordinate investments, reporting, taxation, succession, governance, documentation and family wealth through one integrated advisory framework.
Legal Support
Coordinate wills, succession, contracts, property documentation and business-family legal matters through trusted legal professionals.
Special Services
Access customised financial, compliance, documentation, transaction and concierge support for complex business and family requirements.
Our Advisory Process
One Relationship. A Complete Financial View.
Understand
We begin with your business, family, financial position and long-term priorities.
Diagnose
We identify gaps, risks, dependencies and opportunities.
Design
We create an action plan with clearly defined priorities and responsibilities.
Coordinate
We bring together the appropriate financial, legal, tax and regulated professionals.
Implement
We support documentation, communication and execution.
Review
We periodically update the strategy as circumstances change.
Why SME Owners Choose Us
Advice designed around the realities of business ownership.
Your Business Creates Wealth. We Help You Organise, Protect and Carry It Forward.
Begin with a confidential conversation about your business, family and financial priorities.
About Wealthcheckup
Organising, protecting and carrying forward the wealth that your business creates.
Who We Are
Wealthcheckup is a financial advisory practice built around the realities of business ownership. We understand that for SME promoters, business and personal finances are deeply intertwined — and that true financial planning must address both together.
Our practice is led by Chartered Accountants with deep experience in corporate finance, taxation, regulatory compliance and wealth management. We do not sell products. We provide structured advice, documented recommendations and coordinated execution across multiple professionals.
What We Believe
We believe that financial advice should be independent, personalised and accountable. Every recommendation we make is backed by a clear rationale, a documented checklist and a defined review calendar.
We do not begin with products. We begin with your situation — your business, your family, your goals and your concerns. Only then do we design a strategy that is appropriate for you.
Our Leadership
Experienced professionals committed to your financial success.
CA China Mastan Talakayala
Chairman · Corporate Commerce College
FCA · BCom · MCom · MA · LLM
Our Advisory Process
One Relationship. A Complete Financial View.
Understand
We begin with your business, family, financial position and long-term priorities.
Diagnose
We identify gaps, risks, dependencies and opportunities.
Design
We create an action plan with clearly defined priorities and responsibilities.
Coordinate
We bring together the appropriate financial, legal, tax and regulated professionals.
Implement
We support documentation, communication and execution.
Review
We periodically update the strategy as circumstances change.
Why SME Owners Choose Us
Advice designed around the realities of business ownership.
Your Business Creates Wealth. We Help You Organise, Protect and Carry It Forward.
Begin with a confidential conversation about your business, family and financial priorities.
Build a Business That Is Ready for the Public Markets
An SME IPO can give a growing company access to capital, visibility, credibility and a broader platform for expansion. But listing is not merely a fundraising exercise. It requires the business to demonstrate financial discipline, reliable governance, regulatory readiness and a convincing growth story. At Wealthcheckup, we help SME promoters understand whether their company is ready for the public markets and what must be strengthened before beginning the listing process.
Who This Service Is For
- Planning capacity expansion or geographical growth
- Looking to raise equity capital
- Seeking greater institutional credibility
- Preparing for acquisitions or strategic investments
- Considering succession, partial liquidity or long-term value creation
- Ready to adopt listed-company governance and reporting standards
An SME IPO can give a growing company access to capital, visibility, credibility and a broader platform for expansion. But listing is not merely a fundraising exercise. It requires the business to demonstrate financial discipline, reliable governance, regulatory readiness and a convincing growth story. At Wealthcheckup, we help SME promoters understand whether their company is ready for the public markets and what must be strengthened before beginning the listing process.
How We Help
Comprehensive support at every stage.
IPO Readiness Assessment
We review the company’s financial performance, capital structure, compliance history, corporate records, promoter profile and business model.
Financial and Corporate Restructuring
We identify areas that may require improvement before the IPO, including related-party balances, promoter loans, group-company transactions, capital structure, accounting policies and contingent liabilities.
Business Plan and Financial Projections
We help develop a credible growth plan supported by assumptions, projected financial statements, fund-utilisation plans and performance indicators.
Governance Preparation
We assist in strengthening board processes, internal controls, management reporting, statutory records and compliance ownership.
Documentation and Due-Diligence Support
We create a structured data room and coordinate the collection of financial, tax, corporate, operational and legal documents.
Professional Coordination
We work with the appointed merchant banker, company secretary, legal counsel, registrar, auditors, market maker and other intermediaries.
Post-Listing Preparedness
We help establish reporting calendars, disclosure processes, investor communication systems and internal accountability for ongoing compliance.
SME IPO LISTING Checklist
IPO Readiness Progress
What You Receive
Our Approach
We do not begin with the assumption that every company should immediately pursue an IPO. We first determine whether listing is commercially sensible, operationally manageable and aligned with the promoter’s long-term objectives.
Is Your Business Ready for the Public Markets?
Begin with a confidential SME IPO readiness consultation.
See Your Complete Financial Position Clearly
Most SME owners know their turnover, profit and bank balance. Fewer have a consolidated view of their true net worth, liquidity, liabilities, personal guarantees, business concentration and long-term financial security. Your business may be performing well while your personal financial position remains exposed. Alternatively, you may own valuable assets but lack the liquidity required during an emergency or business slowdown.
Who This Service Is For
Most SME owners know their turnover, profit and bank balance. Fewer have a consolidated view of their true net worth, liquidity, liabilities, personal guarantees, business concentration and long-term financial security. Your business may be performing well while your personal financial position remains exposed. Alternatively, you may own valuable assets but lack the liquidity required during an emergency or business slowdown.
How We Help
Comprehensive support at every stage.
Business Financial Health
We review profitability, cash flow, working capital, receivables, borrowings, repayment obligations and financial controls.
Promoter Financial Position
We consolidate personal assets, investments, property, liabilities, guarantees and ownership interests.
Liquidity and Emergency Preparedness
We assess whether sufficient liquid resources are available for family needs and business disruptions.
Debt Exposure
We examine interest cost, repayment pressure, loan structure, collateral exposure and personal guarantees.
Investment Position
We identify duplication, concentration, idle funds, unsuitable holdings and investments without a defined objective.
Tax Position
We review major tax exposures, compliance gaps, advance-tax planning and the post-tax efficiency of financial decisions.
Insurance Protection
We assess whether the family, promoter and business are adequately protected against major risks.
Retirement and Succession Readiness
We examine whether personal financial independence and business continuity are being planned separately.
FINANCIAL CHECK-UP Checklist
What You Receive
Your Financial Decisions Should Begin with a Diagnosis
Schedule your confidential Financial Check-Up.
Convert Business Success into Lasting Personal Wealth
For many entrepreneurs, most of their wealth is concentrated in the business. While this concentration may have created wealth, it can also expose the family to business cycles, industry disruption, borrowing risks and liquidity constraints.
Who This Service Is For
For many entrepreneurs, most of their wealth is concentrated in the business. While this concentration may have created wealth, it can also expose the family to business cycles, industry disruption, borrowing risks and liquidity constraints.
How We Help
Comprehensive support at every stage.
Business and Personal Wealth Separation
We help distinguish between funds required for business growth and wealth intended for family security.
Goal-Based Planning
Liquidity Planning
We create a framework for emergency reserves, near-term commitments and opportunity capital.
Asset Allocation
We develop a suitable allocation across available asset categories based on time horizon, risk, liquidity and tax considerations.
Concentration-Risk Review
We examine excessive dependence on the promoter’s business, a single property, one asset class or a limited number of investments.
Portfolio Consolidation
We organise scattered investments and create a consolidated view of holdings, maturity dates, nominees and documentation.
Periodic Review
The strategy is reviewed when markets, tax rules, business conditions or family circumstances change.
WEALTH PLANNING Checklist
What You Receive
Our Approach
Wealth planning is not about chasing the highest return. It is about ensuring that your money is aligned with your life, protected from avoidable risks and available when you need it.
Build Wealth Beyond the Business
Begin your personalised wealth-planning consultation.
Make Tax Planning Part of Every Major Decision
Who This Service Is For
How We Help
Comprehensive support at every stage.
Business and Promoter Tax Planning
We review the interaction between company profits, promoter remuneration, dividends, loans, capital transactions and personal taxation.
Entity and Transaction Structuring
We evaluate the tax implications of proprietorships, partnerships, LLPs, companies, holding structures, acquisitions and business reorganisations.
Investment Taxation
We consider the post-tax impact of interest, dividends, rent, capital gains and other investment income.
Property Transactions
We advise on taxation connected with the purchase, sale, transfer, development or inheritance of property.
Capital-Gains Planning
We help clients prepare for the tax consequences of selling shares, property, business interests and other capital assets.
NRI and Cross-Border Taxation
We assist with residential-status evaluation, foreign income, Indian income, withholding-tax matters, foreign-tax credit and reporting requirements.
Tax Compliance and Representation
We support return filing, advance-tax planning, notices, assessments and tax-documentation requirements.
TAX ADVISORY Checklist
What You Receive
Understand the Tax Impact Before You Act
Speak with our tax-advisory team before your next major transaction.
Your Business Should Be a Choice, Not Your Retirement Plan
Business owners often postpone retirement planning because they expect the company, property or the next generation to provide future income. But a valuable business does not always provide predictable personal liquidity. A change in the industry, family priorities or succession arrangements can affect the income you expected to receive.
Who This Service Is For
Business owners often postpone retirement planning because they expect the company, property or the next generation to provide future income. But a valuable business does not always provide predictable personal liquidity. A change in the industry, family priorities or succession arrangements can affect the income you expected to receive.
How We Help
Comprehensive support at every stage.
Retirement Lifestyle
We estimate the income required to maintain your desired lifestyle after active work reduces.
Retirement Corpus
We calculate the capital required after considering inflation, longevity, healthcare costs and existing assets.
Business Dependency
We identify how much of your expected retirement income depends on business profits, rent or asset sales.
Income Architecture
We design an approach for regular income, liquidity, capital preservation and long-term growth.
Healthcare Preparedness
We consider medical insurance, emergency reserves and potential long-term healthcare expenditure.
Transition Planning
We help you plan the movement from active business income to structured personal income.
Legacy Balance
We distinguish between assets required for your own financial independence and assets intended for the next generation.
RETIREMENT BLUEPRINT Checklist
What You Receive
Create an Income That Outlives Your Working Years
Start building your Retirement Blueprint today.
Protect What You Have Built
Who This Service Is For
How We Help
Comprehensive support at every stage.
Family Protection
We assess life cover based on liabilities, dependants, income replacement and long-term family goals.
Health Protection
We examine coverage levels, family members insured, waiting periods, exclusions, deductibles, co-payments and hospital access.
Business Protection
We review property, fire, burglary, machinery, marine, liability, cyber and business-interruption risks where relevant.
Key-Person and Partnership Risk
We examine the financial impact of the death, disability or prolonged absence of a promoter or essential employee.
Loan Protection
We assess whether significant personal and business borrowings could create financial pressure on the family.
Policy Consolidation
We identify expired policies, duplication, inadequate sums insured and missing nominee information.
INSURANCE STRATEGY Checklist
What You Receive
Protect the Family and Business Behind the Balance Sheet
Request a comprehensive insurance review.
Bring Structure Back to Your Borrowings
Who This Service Is For
How We Help
Comprehensive support at every stage.
Debt Diagnostic
We consolidate all loans, limits, interest rates, security, guarantees, covenants and repayment schedules.
Cash-Flow Assessment
We compare projected business cash generation with interest, principal and working-capital requirements.
Working-Capital Review
We assess inventory, receivables, payables, utilisation of limits and the structure of working-capital facilities.
Refinancing Evaluation
We review whether existing facilities can be consolidated, repriced, extended or replaced with more suitable funding.
Restructuring Support
Lender Presentation
We prepare financial summaries, business plans, cash-flow projections, CMA information and supporting documentation.
Credit Improvement Plan
We identify operational and financial actions required to strengthen the borrower’s profile.
DEBT SUPPORT Checklist
What You Receive
Replace Financial Pressure with a Structured Plan
Begin with a confidential debt diagnostic.
Manage Your Indian Financial Affairs from Anywhere
Living outside India can make even routine financial matters difficult. Different banking arrangements, tax rules, remittance procedures, property documentation and family responsibilities often involve multiple institutions and advisers.
Who This Service Is For
Living outside India can make even routine financial matters difficult. Different banking arrangements, tax rules, remittance procedures, property documentation and family responsibilities often involve multiple institutions and advisers.
How We Help
Comprehensive support at every stage.
Financial Position Review
We consolidate Indian bank accounts, investments, properties, insurance policies, business interests and liabilities.
Tax and Residential-Status Review
We help assess Indian tax obligations, income reporting, withholding taxes and foreign-tax considerations.
Banking and Documentation Coordination
We assist with account classification, KYC updates, documentation and communication with banks and financial institutions.
Investment Coordination
We review existing holdings, liquidity requirements, risk, taxation and repatriation objectives.
Property Support
We coordinate documentation for purchase, sale, rent, maintenance, taxation and remittance of eligible proceeds.
Business and Family Interests
We assist NRIs with ownership interests, family businesses, inheritance, gifts and succession-related financial documentation.
Ongoing Administration
We create a central record of financial documents, due dates, renewals, nominations and authorised representatives.
NRI SOLUTIONS Checklist
What You Receive
Your Financial Affairs in India, Properly Coordinated
Schedule a confidential NRI consultation.
Property Decisions Deserve More Than a Sales Pitch
Property is often one of the largest investments made by an SME owner. It may be purchased for residence, rental income, business expansion, capital appreciation or family security.
Who This Service Is For
Property is often one of the largest investments made by an SME owner. It may be purchased for residence, rental income, business expansion, capital appreciation or family security.
How We Help
Comprehensive support at every stage.
Purchase Evaluation
We examine affordability, funding requirements, expected cash flow, holding period, tax implications and financial-goal alignment.
Funding Analysis
We compare the proposed loan structure, repayment burden, interest cost and impact on business and family liquidity.
Commercial Property Review
We assess suitability for self-use or investment, expected rent, vacancy risk, maintenance obligations and financing structure.
Sale Planning
We help clients understand documentation, outstanding liabilities, taxation and the proposed use of sale proceeds.
Documentation Coordination
We coordinate with legal professionals for title review, agreement vetting, encumbrance checks and registration support.
Portfolio Review
We assess whether too much family wealth is concentrated in property and whether each property serves a clear purpose.
REALTY GUIDANCE Checklist
What You Receive
Make Your Next Property Decision with Clarity
Request a property financial review before committing.
One Coordinated View of the Family’s Wealth
As business and family wealth grow, financial affairs become more complex. Investments may be spread across institutions. Properties may be held by different family members. Tax, succession, borrowing, philanthropy and business ownership may be handled separately without a consolidated strategy.
Who This Service Is For
As business and family wealth grow, financial affairs become more complex. Investments may be spread across institutions. Properties may be held by different family members. Tax, succession, borrowing, philanthropy and business ownership may be handled separately without a consolidated strategy.
How We Help
Comprehensive support at every stage.
Consolidated Wealth Reporting
We create a single view of investments, properties, businesses, liabilities, insurance and other family assets.
Investment Governance
We establish objectives, risk limits, liquidity requirements, approval processes and review standards.
Cash-Flow and Treasury Oversight
We monitor family liquidity, expected commitments, distributions, major expenses and capital calls.
Tax Coordination
We coordinate tax planning and compliance across family members, entities, trusts and investment structures.
Succession and Estate Coordination
We work with legal professionals on wills, trusts, ownership transfer, nominations and family continuity.
Family Governance
We help define roles, information rights, meeting structures, decision-making processes and conflict-management mechanisms.
Professional Coordination
We coordinate with banks, investment professionals, accountants, company secretaries, advocates, insurers and property advisers.
Document and Compliance Management
We maintain structured records, maturity dates, renewals, nominations and compliance calendars.
FAMILY OFFICE Checklist
What You Receive
Bring Every Part of Your Family Wealth Together
Request a private Family Office consultation.
Protect Your Intentions with Proper Documentation
Who This Service Is For
How We Help
Comprehensive support at every stage.
Wills and Estate Documents
We coordinate the preparation and review of wills, codicils, asset schedules and executor information.
Trust and Succession Structures
We assist families in evaluating and documenting suitable arrangements for wealth transfer and beneficiary protection.
Power of Attorney
We coordinate powers of attorney for business, property, banking and NRI requirements.
Business-Family Agreements
We support the documentation process for shareholder agreements, partnership arrangements, family settlements and succession understandings.
Property Documentation
We coordinate legal review of title documents, agreements, leases and transfer documentation.
Nomination and Ownership Review
We identify inconsistencies between wills, nominations, joint holdings and beneficial intentions.
Document Repository
We help create a secure and structured index of critical legal and financial records.
LEGAL SUPPORT Checklist
What You Receive
Make Sure Your Documents Reflect Your Decisions
Schedule a confidential legal-documentation review.
Bespoke Support for Requirements That Do Not Fit a Standard Category
Every entrepreneur eventually faces a financial or business matter that requires coordination across several professionals. It may involve tracing an old investment, preparing for a major transaction, organising financial records, evaluating a new opportunity or handling a sensitive family requirement.
Who This Service Is For
Every entrepreneur eventually faces a financial or business matter that requires coordination across several professionals. It may involve tracing an old investment, preparing for a major transaction, organising financial records, evaluating a new opportunity or handling a sensitive family requirement.
How We Help
Comprehensive support at every stage.
Define the Requirement
We begin with a confidential discussion to understand the situation, stakeholders, deadlines and expected outcome.
Diagnose the Complexity
We identify the financial, legal, tax, regulatory and operational elements involved.
Create an Execution Plan
We provide a scope of work, responsibilities, documentation requirements and expected milestones.
Coordinate Specialists
Track the Assignment
We maintain a structured tracker until the agreed scope is completed.
SPECIAL SERVICES Checklist
What You Receive
Have a Complex Requirement?
Speak with our advisory team in confidence.
Get In Touch
Begin with a confidential conversation about your business, family and financial priorities.
Our Team
Reach out to the right person for your needs.
CA China Mastan Talakayala
Chairman · Corporate Commerce College
FCA · BCom · MCom · MA · LLM
Send Us a Message
We will respond within 24 business hours.
Your Business Creates Wealth. We Help You Organise, Protect and Carry It Forward.
Begin with a confidential conversation about your business, family and financial priorities.
Create Your Account
Register once to express interest in any of our services.