About Us
Every financial decision should start with a purpose. So we begin with one question: What are you actually trying to achieve?
Need-Based Selection
We don't chase targets or push whatever fund happens to be in season. Every recommendation starts by understanding your risk profile, life stage, and your financial evolution before any fund enters the conversation.
Risk Before Returns
Before we talk about growth, we look at what could disrupt it: gaps in protection, unpredictable cash flows, or behavioral instincts that derail even a well-built plan when markets get noisy.
Boutique Personal Attention
We deliberately stayed a personalised, boutique practice rather than scaling into a call-centre model. You deal with dedicated partners who know your name, your family goals, and your financial history.
Decades of Trust & Ethics
Nearly two decades since our inception in 2008, our philosophy has remained simple: understand first, recommend second, and always put the client's interest at the centre of every decision.
Mutual fund investing should never feel like a sales pitch.
Niveau Financial Services was founded in 2008 on a simple but firm belief: matching investors with funds that fit their needs, rather than products that serve sales targets.
Today, nearly two decades since our inception, Niveau continues to work with families and individuals through different stages of their financial journey with personal, needs-led discipline.
The People Behind Niveau Financial Services.
Personalised guidance, fiduciary discipline, and decades of wealth stewardship dedicated to your family's future.
Arvind Rao
Arvind Rao, a Chartered Accountant and a CERTIFIED FINANCIAL PLANNER® is the Co-founder of Niveau Financial Services. Over years of advising investors, he has seen how easily financial decisions get fragmented; a fund bought here, a policy taken there, a tax decision made without anyone connecting it back to the bigger picture.
His approach is to bring structure to that picture. A mutual fund, to him, is only as good as the thinking behind it; how it fits your income pattern, your risk profile, and the goals you're actually working toward. He doesn't believe in product ownership; but in strategy ownership, because that's what leads to fewer surprises and a clearer line between where you are today and where you're trying to get to.
Alongside Sushma, he works with investors who want their mutual fund investments to be one deliberate part of a considered financial life, not a series of disconnected purchases.
Sushma Dialani
Sushma Dialani is a CERTIFIED FINANCIAL PLANNER® and Registered Life Planner (RLP); one of fewer than 2,000 globally with 25+ years of advisory experience and 265+ families guided across India and overseas.
Before any investment conversation, she looks at the full picture of what could disrupt your financial progress: risk to your income, your health, and your family's future. Only once that foundation is protected, she looks at how mutual funds could help in your wealth journey. As a Registered Life Planner, she doesn't start with products but starts with you: your values, your responsibilities, and the financial structure that supports the life you actually want to live.
She has worked extensively with self-employed professionals, business owners, and senior executives across India and overseas who want their financial life to reflect the same intention and structure they bring to everything else they build.
Our Core Values & Guiding Pillars.
Client-First, Always
We recommend what serves you, never what serves us. No incentives, no quotas, no exceptions.
Risk Before Return
We look at what could go wrong before talking about what could go right, ensuring resilience.
Absolute Transparency
Every recommendation comes with a reason you understand, with full commission disclosures.
Long-Term Partnership
We're not here for a single transaction. We're here for the next decade of your financial life.
FAQS
