Cash Ladder · our proprietary technology
Cash Ladder tracks a single portfolio against all your goals at once, so there is one thing to monitor and one thing to rebalance. Two buckets do the work: a secure bucket that preserves wealth for near-term goals, and a growth bucket that builds it for the long-term ones. The chart shows which bucket funds which year. Here, three goals are met and one falls short — with decades still available to close the gap.
Scroll sideways to see the full timeline.
The corpus runs dry around age 80 on these assumptions, so the last goal goes unfunded. Surfacing that gap while there is still time to close it is the whole point of the exercise.
Three phases: build, hand over, draw down.
Why plans run short
Most portfolios are accumulated rather than designed — decisions taken one at a time, years apart, never looked at together. What that leaves behind:
None of this is a market problem. All of it still costs you.
Two units. One rule.
Both units sit inside the same LLP, but they are kept separate — different registrations, different obligations, different economics. You are in one relationship or the other, never quietly in both.
Advisory · INA200016917
You pay us a fee for the advice. We owe you a fiduciary duty, and we earn nothing from any product we recommend — no trail, no brokerage, no incentive from a manufacturer.
Distribution · ARN 275255
You pay us nothing directly. The asset manager pays a trail commission on what you hold. We must recommend what is suitable for you, but this is distribution, not fiduciary advice.
Your money and your data never sit with us. They stay with SEBI-regulated custodians, registrars and your own bank. We advise and we manage — we do not hold client funds or securities. You are told in writing, before anything is recommended, which of the two units you are dealing with.
How the separation works. SEBI requires advisory and distribution to be kept apart at client level. In practice that means the same money is never advised on under a fee and sold under a commission — you sit with one unit or the other for a given portfolio, you are told which before anything is recommended, and you can ask to see the basis of that classification at any time. Our registration details, fee schedule and complaints record are published in full on the investor page.
What we do
Two services across your whole balance sheet — not just mutual funds, but property, gold, EPF, PPF, NPS, ESOPs and global assets.
Advisory
Goals, cash flow, insurance cover, tax position and asset allocation assembled into one plan you can act on — then reviewed as your life changes rather than filed away.
More details about financial planningAdvisory
Portfolio construction and periodic rebalancing across Indian and global assets, built on evidence rather than product launches, with every holding traceable to a stated purpose.
More details about wealth managementAdvisory
Residency status, RNOR windows, overseas holdings and remittance rules for clients returning to India or holding assets across jurisdictions.
More details about cross-border planningHow it runs
01
We map what you own, what you owe, what you earn and what you are actually trying to fund — before any product is mentioned.
02
Goals get costed, risk gets profiled, and allocation follows from both. You see the reasoning, not just the recommendation.
03
Plans age. We revisit on a set cadence and whenever something material changes, and we tell you when the answer is to do nothing.
The people behind Fliber
Principal Officer
Three decades in financial technology and wealth management, including senior technology leadership at Fidelity Investments across trade clearing, settlement and platform transformation.
Compliance & Grievance Officer
Responsible for regulatory compliance, client grievance redressal and the segregation of advisory and distribution activity across the firm.
Get in touch
Tell us roughly where you are and what you are trying to work out. The first conversation costs nothing and carries no obligation — and we will tell you plainly if you do not need us.
We will get back to you shortly.
Your interaction number
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Please quote this number in any further communication on this query.
Check if you are financially ready to start the second innings of your life. All figures are illustrative and based on the assumptions listed below.
The share of your market-linked money held in equity, rather than debt.
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This score is an illustration generated from the figures you entered and the assumptions listed on the previous step. It is not a forecast, a projection, a guarantee, or personalised investment advice, and actual outcomes will differ. Investments in securities market are subject to market risks, read all the related documents before investing.
Check whether your retirement corpus can support a comfortable retired life. All figures are illustrative and based on the assumptions listed below.
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This score is an illustration generated from the figures you entered and the assumptions listed on the previous step. It is not a forecast, a projection, a guarantee, or personalised investment advice, and actual outcomes will differ. Investments in securities market are subject to market risks, read all the related documents before investing.