CREATE LEGACY FOR GENERATIONS to come
Fee-Only
0
%
SEBI Registered Investment Adviser
Registration No. : INA000021447
( Validity from 5 Dec 2025 till in perpetuity )
Helping you to
build a lasting legacy
We offer independent, fee-only financial advice grounded in over three decades of corporate experience, disciplined thinking, and strong regulatory integrity - helping individuals and families make thoughtful, goal-aligned financial decisions.
Why Choose SAMM Wealth?
SEBI Registered Investment Adviser (RIA)
Compliant with SEBI guidelines
Goal-Based, Personalized Financial Planning
Tailored strategies aligned to life goals
30+ years of corporate experience
Proven executive at India's largest corporation
Conflict-Free Advisory
No commissions from Asset Management Companies ( MFs) and Financial Institutes
Strong Academic Foundation
IIM Kozhikode, IIT Mumbai, and College of Engineering Pune (COEP)
Ethical, Transparent, Long-Term Approach
Building lasting relationships through trust
30+
Years Of Corporate Experience
FOUNDER & CEO
Sameer Joshi
After over three decades in corporate leadership, Sameer transitioned into financial advisory with a clear purpose: to help individuals make sound financial decisions free from product bias and sales pressure.
His professional journey combines 30+ years of hands-on corporate experience with a rigorous academic foundation from College of Engineering Pune (COEP), IIT Bombay, and IIM Kozhikode.
Having worked closely with senior leadership teams throughout his career, he understands the financial complexities professionals face at different life stages, including career growth, ESOPs, performance bonuses, business transitions, and retirement planning.
- Education & Credentials
SEBI Registered Investment Adviser (RIA - Individual)
National Institute Of Securities Market
College of Engineering Pune
Indian Institute of Technology, Mumbai (IIT Mumbai)
Indian Institute of Management, Kozhikode (IIM Kozhikode)
- Education & Credentials
National Institute Of Securities Market
College of Engineering Pune
Shailesh J. Mehta School of Management
(IIT Mumbai)
Indian Institute of Management,
Kozhikode (IIM Kozhikode)
- Philosophy
Always client-first
Financial planning is a process, not a product
Long-term discipline matters more than short-term market views
Transparency and regulatory compliance are non-negotiable
"Building wealth through trust, discipline, and ethical practice."
Whom We Work with
Tailored financial guidance for individuals at every stage of their wealth journey
Salaried Professionals & CXOs
Structured wealth planning to grow income, optimize taxes, and build long-term financial independence.
Pre-retirees & Retirees
Secure your retirement with predictable income, capital protection, and inflation-beating strategies.
Families
Holistic financial planning to protect, grow, and transfer wealth across generations.
Business Owners
Align business cash flows and personal wealth to scale growth without financial chaos.
Family Office
End-to-end management of complex wealth, governance, succession, and legacy planning.
Mentoring Young Adults On Their Financial Journey
Financial strategies designed around service tenures, structured benefits, and long-term post-retirement security.
NRI
Seamless cross-border wealth management compliant with global tax and regulatory frameworks.
Medical practitioners
Specialized financial planning to manage high income, irregular cash flow, and long-term wealth creation.
Defense Personnel
Stable financial strategies tailored for service life, benefits, and post-retirement security.
How We Can Help You
All services are offered strictly under SEBI Investment Advisory Regulations
Comprehensive Financial Planning
- Cash flow and net worth analysis
- Goal identification and prioritization
- Risk profiling
- Asset allocation strategy
- Insurance and tax overview
Investment Advisory
- Equity, debt, and hybrid portfolio guidance
- Mutual fund, SIF, AIF and ETF
- Portfolio construction aligned to life goals
- No commissions or incentives from product providers
Retirement Planning
- Retirement corpus estimation
- Accumulation and withdrawal strategy
- Post-retirement asset allocation
- Longevity planning considering inflation
- Legacy creation by Estate Planning
Review & Monitoring
- Periodic portfolio reviews
- Rebalancing Asset Allocation
- Ongoing advisory support
Assistance in Philanthropic Journey
- Guidance on charitable giving strategies
- Structuring philanthropy with tax efficiency
No commissions. No hidden incentives. Just honest advice.
We charge fees only to our clients. We do not accept commissions, brokerage, or referral income from any product manufacturer or distributor.
Start your journey with advisers who put your interests first!
SEBI Mandatory Disclosure
SEBI Registered Investment Adviser.
SEBI Registration No.: INA000021447
(Validity from 5 Dec 2025 till perpetuity)
SEBI Office Address:
SEBI Bhavan, Bandra Kurla Complex, Mumbai – 400051
Conflict of Interest Disclosure
As a fee-only advisory, we do not receive any commission, incentive, or non-cash benefit from mutual funds, insurers, or any financial product providers.
Grievance Redressal
For any grievance, contact: contact@sammwealth.com
or +91 7400467601
How It Works
A structured, transparent approach to financial planning
01
Discovery Discussion
Understanding client expectations and goals.
02
Data Collection
Detailed gathering of financial, personal, and investment-related information.
03
Risk Profiling
Risk assessment conducted strictly as mandated by SEBI regulations.
04
Plan Presentation
Clear, actionable, and easy-to-understand financial recommendations.
05
Implementation Support
Guidance provided without execution involvement or commission bias.
06
Periodic Review
Ongoing monitoring with timely course correction and strategy updates.
Investor Education
Learn & Grow
This section is for educational purposes only and does not constitute investment advice.
Financial Planning
- 10 min read
PORTFOLIO RETURNS - XIRR
Portfolio returns calculated using XIRR to show your actual annualized investment performance
Financial Planning
- 10 min read
MARKET PE and LIQUIDITY
Current market P/E and liquidity levels to understand valuation and money flow
Financial Planning
- 10 min read
Sequence of Returns
Impact of return sequence on portfolio performance
Contact Us
We help you create Legacy
Compliance Audit status
Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SEBI (Investment Advisers) Regulations, 2013 for last financial years are as under:
| Sr. no | Financial Year | Compliance Audit Status | Remarks, If any |
|---|---|---|---|
| 1 | FY 2024-25 | Conducted / Not Conducted | --NA-- |
| 2 | FY 2025-26 |
Client’s queries / complaints may arise due to lack of understanding or a deficiency of service experienced by clients. Deficiency of service may include lack of explanation, clarifications, understanding which escalates into shortfalls in the expected delivery standards, either due to inadequacy of facilities available or through the attitude of staff towards client.
1. In case of any complain or query: You may approach IA- Mr. Sameer Vinayak Joshi, Email Id – Vjsameer@Yahoo.Co.In And Phone No +91 9820731116
2. In case you are not satisfied with our response you can lodge your grievance with SEBI at http://scores.sebi.gov.in or you may also write to any of the offices of SEBI. SCORES may be accessed thorough SCORES mobile application as well, same can be
downloaded from below link:
https://play.google.com/store/apps/details?id=com.ionicframework.sebi236330
ODR Portal could be accessed, if unsatisfied with the response. Your attention is drawn to the SEBI circular no. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/131 dated July 31, 2023, on “Online Resolution of Disputes in the Indian Securities Market”. A common Online Dispute Resolution Portal (“ODR Portal”) which harnesses conciliation and online arbitration for resolution of disputes arising in the Indian Securities Market has been established. ODR Portal can be accessed via the following link –
https://smartodr.in/
Complaint Status 30 April 2026
Customer Grievance Mechanism
Grievance Redressal/Escalation Matrix
Annexure B- Grievance Redressal Mechanism (for Accessibility Issues)
Grievance Redressal Mechanism – Accessibility Compliance (SEBI Circular dated July 31, 2025)
In compliance with the SEBI circular, SAMEER VINAYAK JOSHI has established a dedicated grievance redressal mechanism to address accessibility-related complaints from persons with disabiliƟes (PwDs).
1. Dedicated Channels
Email Support:
CONTACT@SAMMWEALTH.COM
Helpline:
+91 7400467601
Mon–Fri, 10:00 AM – 6:00 PM
Web Form
2. Resolution Process
- All accessibility-related grievances will be acknowledged within 2 working days.
- Resolution or a formal response will be provided within 15 working days.
- Complex issues requiring longer timelines will be communicated clearly to the complainant.