Tax Planning & Capital Gains Advisory Services
Stop letting taxes quietly eat your wealth. Every year, high-income professionals and investors lose lakhs to taxes they didn’t need to pay.
- High-income earners lose lakhs in avoidable taxes every year.
- Asset Allocation & Goal Mapping
- We provide tax planning & capital gains advisory.
- Not due to law-breaking, but lack of planning.
- The good news? You can legally reduce it.
- Helping you keep more to spend, save, or invest.
Why Most People Overpay on Taxes — and How We Fix It
Why Most People Overpay on Taxes — and How We Fix It
Selling investments without thinking about when or how
Higher capital gains tax
Exercising ESOPs at the wrong time
Unnecessary perquisite tax
Missing the RNOR golden window
Paying full Indian tax too soon
Ignoring tax-loss harvesting
letting avoidable taxes slip through
Not using GIFT City routes
Missing lower tax rates on global investments
Our Tax Playbook for Smarter Wealth Building
Our Tax Playbook for Smarter Wealth Building
Tax Deferment Strategy – Delay Now, Gain More Later
Sometimes, the smartest move is not to book profits this year. By shifting certain gains to future years, your money stays invested and compounds — while you legally postpone paying the tax bill.
Tax Harvesting – Turn Losses into Savings
If your portfolio has underperformers, we can book select losses to offset your gains — reducing your tax liability without derailing your investment plan.
Pre-Retirement Tax Optimisation – Keep More When You Slow Down
As you near retirement, tax efficiency becomes even more important. We balance withdrawals, switch asset locations, and time your gains so you don’t pay more than necessary in your post-work years.
ESOP Taxation – Don’t Let the Exercise Date Decide Your Fate
We map the tax impact of exercising vs. selling later, ensuring you don’t trigger heavy perquisite tax unnecessarily — and that your eventual capital gains are taxed at the lowest possible rate.
RNOR Golden Window – The NRI’s Secret Advantage
If you’re returning to India, you may qualify for RNOR status — a short period where certain foreign income stays tax-free. We help you structure your assets and cash flows to make the most of this once-in-a-lifetime window.
GIFT City Structures – Global Investing, Lower Taxes
Through India’s IFSC in GIFT City, you can access global investments while enjoying reduced capital gains tax — often as low as 0–10%, depending on the product. We guide you through compliant, high-efficiency structures.
What You Get with Aikeyam’s Tax & Capital Gains Advisory
What You Get with Aikeyam’s Tax & Capital Gains Advisory
Custom tax strategies
for your income sources and investment mix
Scenario analysis
to compare tax outcomes before you act
Seamless execution
with your portfolio plan — no disjointed advice
Annual reviews
to adapt to tax law changes and life changes
Why Choose us
Why Clients Trust Us with Their Tax Planning
We’re committed to providing exceptional financial guidance with integrity and expertise
SEBI-Registered Fiduciary
Advice driven only by your best interest
NRI & Complex Case Specialists
We handle ESOP-heavy, cross-border, and high-value capital gains cases daily
Integration with Wealth Strateg
Tax planning is not in isolation — we align it with your overall financial plan
FAQs
Frequently Asked questions
We’ve got answers! explore our FAQs to learn more about how Aikeya can enhance your wealth.
01 When should I start tax planning?
The best time to start was yesterday. The second-best is today.
Effective tax planning isn’t something you do in March — it’s a year-round process. The earlier you start, the more strategies you can use, such as deferring gains, utilising exemptions, or restructuring assets.
02 What is the difference between tax planning and tax filing?
Tax filing is a compliance exercise — reporting what has already happened.
Tax planning is proactive — arranging your finances so you control the tax outcome before the year ends.
03 How do you reduce capital gains tax on investments?
We use strategies like:
- Holding assets long enough to qualify for lower long-term capital gains tax
- Tax-loss harvesting to offset gains
- Timing sales to fall in lower-income years
- Using GIFT City structures for lower rates on certain investments
04 What is tax-loss harvesting, and does it apply to Indian investors?
Yes. Tax-loss harvesting is the practice of selling certain investments at a loss to offset taxable gains elsewhere. It’s legal, effective, and especially relevant if you have gains in equity, debt funds, or real estate in the same year.
05 How is ESOP taxation handled?
ESOPs are taxed twice — once as a perquisite when you exercise them, and again as capital gains when you sell. We help you decide the right timing for both steps to minimise overall tax impact.
06 What is the RNOR golden window for NRIs?
When you return to India, you may qualify as RNOR (Resident but Not Ordinarily Resident) for 1–3 years. During this period, certain foreign income is not taxable in India. We help structure your finances to fully leverage this temporary advantage.
07 Can GIFT City investments really lower my tax bill?
Yes. Many GIFT City-based funds and products offer lower capital gains tax rates compared to regular domestic options. It’s especially beneficial for NRIs and high-net-worth investors with global investment needs.
08 Is tax planning only for high-income individuals?
No. While the impact is greater for high earners, anyone with investments, property sales, or ESOPs can benefit. Even small adjustments can create meaningful savings over time.
09 Do you provide both tax planning and execution?
Yes. We don’t just advise — we work alongside you to ensure the plan is executed correctly and aligned with your broader financial strategy.
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