Financial guidance is easy to find. What is rare is someone who first takes the time to understand your story, your responsibilities, your life, and the future you are trying to build. That is where every conversation at Asset Elixir begins.
Over the past decade, I have had the opportunity to work closely with individuals and families at different stages of life, helping them make financial decisions that fit the life they want to build. One thing I have realised is that these conversations are rarely just about money.
They are about family, responsibilities, future journeys, and the desire to do the right things for the people who matter most. That is why I have always believed in understanding the person first, because no two lives are the same, and no two financial journeys should be either.
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The person behind
Over the past decade, I have had the opportunity to work closely with individuals and families at different stages of life, helping them make financial decisions that fit the life they want to build.
One thing I have realised is that these conversations are rarely just about money.
They are about family, responsibilities, future journeys, and the desire to do the right things for the people who matter most.
That is why I have always believed in understanding the person first, because no two lives are the same, and no two financial journeys should be either.
“ The Richest People I Know Are Not The Highest Earners.”
Years of Experience
Families guided
Certified Financial planner
Your interest, always first
Years Of Experience
Families Guided
Certified Financial Planner
Your Interest, Always First
Years Of Experience
Families Guided
Certified Financial Planner
Your Interest, Always First
A thoughtful approach to the goals, choices, and moments that matter.
Financial decisions are connected to every part of life: your family, your responsibilities, your future, and the goals you are working hard to achieve. That is why our approach is personal, thoughtful, and built around what truly matters to you.
Comprehensive Financial Guidance
Goal-Based Guidance
Cash Flow Management
Family Financial Guidance
Mutual Fund Review
Asset Allocation Review
Wealth Building Approach
Life Insurance Planning
Health Insurance Guidance
Risk Management Planning
Building a Retirement Corpus
Retirement Income Strategy
Early Retirement Considerations
LTCG Exemption Guidance
Tax-Efficient Investment Selection
Tax-Efficient Withdrawals
Guidance for Young Earners
Guidance for the Family Stage
Pre-Retirement Guidance
Comprehensive Financial Guidance
Goal-Based Guidance
Cash Flow Management
Family Financial Guidance
Expert insights and commentary on investing, retirement, and the financial decisions that shape people's lives.
We help you build a retirement strategy that supports the lifestyle, peace of mind, and financial freedom you want for the years ahead.
A thoughtful financial roadmap that brings together your income, savings, investments, responsibilities, and long-term goals into one clear direction.
A thoughtful approach to growing and managing wealth through decisions that align with your responsibilities, future goals, and the life you want to create for yourself and your family.
Expert insights and commentary on investing, retirement, and the financial decisions that shape people's lives.
We help you build a retirement strategy that supports the lifestyle, peace of mind, and financial freedom you want for the years ahead.
A thoughtful financial roadmap that brings together your income, savings, investments, responsibilities, and long-term goals into one clear direction.
A thoughtful approach to growing and managing wealth through decisions that align with your responsibilities, future goals, and the life you want to create for yourself and your family.
We look beyond the numbers to understand what truly matters.
A bad investment, delayed decisions, or missed opportunities can leave emotional scars that last far longer than the financial loss itself.
Earning more without a structure in place doesn't solve the problem, it just makes the gap between income and peace feel more confusing.
Financial dependence in old age doesn't arrive suddenly, it arrives slowly, through every year a plan was postponed.
Losing it all doesn't just empty an account, it shakes confidence.
Being the strong one means rarely having someone plan for you.
We look beyond the numbers to understand what truly matters.
A bad investment, delayed decisions, or missed opportunities can leave emotional scars that last far longer than the financial loss itself.
Financial dependence in old age doesn't arrive suddenly, it arrives slowly, through every year a plan was postponed.
Losing it all doesn't just empty a bank account, it can quietly convince a person that starting over is no longer possible for them.
Earning more without a structure in place doesn't solve the problem, it just makes the gap between income and peace feel more confusing.
Being the strong one for everyone else can mean being the one person whose own future was never fully planned for.
Honest conversations about investing, wealth, and the real-life decisions that shape your financial future.
Honest conversations about investing, wealth, and the real-life decisions that shape your financial future.
The relationships we build are long-term. Our measure of success is simple, whether the people we work with feel more confident, more prepared, and more at ease about the future they are building.
"I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning."
Technical Lead
Kharghar, Navi Mumbai
"With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable."
Co-Founder and CTO at Sunday Tech
Kharghar, Navi Mumbai
"I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation."
Technical Specialist
Kharghar, Navi Mumbai
"As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way."
Surgeon
Kharghar, Navi Mumbai
"I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well."
Quality Assurance Engineer
Kharghar, Navi Mumbai
"I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning."
Technical Lead
Kharghar, Navi Mumbai
"With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable."
Co-Founder and CTO at Sunday Tech
Kharghar, Navi Mumbai
"I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation."
Technical Specialist
Kharghar, Navi Mumbai
"As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way."
Surgeon
Kharghar, Navi Mumbai
"I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well."
Quality Assurance Engineer
Kharghar, Navi Mumbai
"I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning."
Technical Lead
Kharghar, Navi Mumbai
"With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable."
Co-Founder and CTO at Sunday Tech
Kharghar, Navi Mumbai
"I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation."
Technical Specialist
Kharghar, Navi Mumbai
"As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way."
Surgeon
Kharghar, Navi Mumbai
"I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well."
Quality Assurance Engineer
Kharghar, Navi Mumbai
"I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning."
Technical Lead
Kharghar, Navi Mumbai
"With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable."
Co-Founder and CTO at Sunday Tech
Kharghar, Navi Mumbai
"I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation."
Technical Specialist
Kharghar, Navi Mumbai
"As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way."
Surgeon
Kharghar, Navi Mumbai
"I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well."
Quality Assurance Engineer
Kharghar, Navi Mumbai
Our measure of success is simple, whether the people we work with feel more confident, more prepared, and more at ease about the future they are building. The relationships we build are long-term.
I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning.
Nitya Khamari
With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable.
Rohit
I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation.
Shikha
As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way.
Dr.Firdous Pathan
I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well.
Nymphia Wanchoo
I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning.
Nitya Khamari
With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable.
Rohit
I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation.
Shikha
As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way.
Dr.Firdous Pathan
I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well.
Nymphia Wanchoo
I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning.
Nitya Khamari
With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable.
Rohit
I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation.
Shikha
As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way.
Dr.Firdous Pathan
I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well.
Nymphia Wanchoo
I had a great experience working with Shivam. He is highly knowledgeable and took the time to understand my aspirations and long-term goals for my portfolio. Based on that, he built a well-planned SIP strategy focused on long-term wealth creation. What I appreciate most is that there was never any pressure to purchase a particular financial product. His approach is professional, transparent, and focused on what is right for the client. He is trustworthy, easily accessible, and always available to answer questions and provide guidance.I would highly recommend him to anyone looking for a reliable long-term financial planning.
Nitya Khamari
With work commitments and continuous changes in my finances, managing them became increasingly difficult. That’s when I approached Shivam for help. During this journey, I realized I had overlooked several crucial aspects while managing my personal finances on my own. What truly stood out was Shivam’s honesty and the timely delivery of his services. Every task entrusted to him was completed on time, making this experience smooth and reliable.
Rohit
I have been working for more than 10 years and began my financial journey with basic savings in fixed deposits (FDs). After meeting with them, they recommended options that perfectly suited my needs—tax-efficient strategies that fully leveraged my savings potential. Their consistent support has been invaluable in helping me make informed financial decisions, and their guidance has truly made a significant difference. What stands out the most is their dedication to regularly connecting with me, ensuring that my financial goals remain on track. Our discussions have also encompassed diverse investment options such as Real Estate, Gold, and Mutual Funds, providing me with a comprehensive and well-rounded approach to wealth creation.
Shikha
As a busy surgeon, financial planning and saving were always at the bottom of my priority list due to time constraints. Although I wanted to save, I could never find the time to organize my finances properly. That all changed when I met Shivam Pathak. Shivam took all my financial worries off my shoulders. He helped me design a financial framework that finally allowed me to manage my finances, pay my bills, handle EMIs, plan savings, and even invest in personal interests—like buying that expensive phone I always wanted! He turned what I could only imagine into a practical reality. I am incredibly grateful to have found such a genuine person. I highly recommend Shivam to anyone looking to grow their wealth in a secure and fulfilling way.
Dr.Firdous Pathan
I've had a very good experience working with Shivam as my financial planner. What stands out most is how clearly he explains things — even complex topics like investment strategy are broken down in a way that's easy to understand. He took the time to really understand my investment goals and planned accordingly, which made me feel like my plan was actually built around what I wanted, not a one-size-fits-all approach. He's reliable, straightforward, and I always leave our meetings feeling confident about my financial decisions. Highly recommend if you're looking for someone who listens and communicates well.
Nymphia Wanchoo
Wherever you are in life, a thoughtful conversation about your goals, your responsibilities, and the future you want to build is always a good place to start. We would love to be part of that journey with you.
If you are looking for guidance that feels personal, honest, and built around your life, we would be glad to connect.
