Your Trusted Partner for your Financial Life.
Your Personal CFO
The Bridge Between
Your Life and Your Legacy
Your Personal CFO
We are the bridge between your Life and your Legacy.
For fifteen years we have been trusted advisors to athletes, lawyers, and executives, building financial freedom and peace of mind.
Creating wealth is not about predictions or chasing trends, it’s about preparing and building a financial structure which remains steady even when the world around us isn’t.
People aren’t “bad” with money. They are busy professionals living full lives. The real risk isn’t starting late, but never putting a system in place at all.
That’s where we step in clearing the clutter and quieting the noise, so your finances work steadily in the background while you focus on your career, family and health.
What we deliver is something steadier: a system that has remained dependable through the 2008–09 financial crisis and the 2020 COVID market crash.
Our vision is to help families achieve financial freedom and lasting peace of mind - by eliminating FEAR and FOMO through discipline, structure, and systems.
How We Build Financial Freedom
Financial freedom is built through discipline, not reaction. These five secrets guide our approach:
Everything begins with saving before spending. A disciplined saving of a minimum of 30% creates the surplus needed to fund your tomorrow, ensuring that as your income grows, your investments grow faster than your lifestyle.
Safety isn’t exciting, but it’s non-negotiable. Adequate term insurance (15× annual income), 50 lakhs comprehensive health cover and an emergency reserve of 6–12 months ensures that unexpected events don’t derail long-term plans. This isn’t about fear; it’s about security.
Equity, debt, gold, and real estate each have a role to play. Wealth isn’t built by chasing the “hot opportunity”, but by building diversification across asset classes. Over time, this consistency and discipline is what outlasts market volatility, giving us the opportunity to Buy Right and Sit Tight.
Not all debt is bad. When used thoughtfully, it can build assets and create generational wealth. Our role is to ensure debt (leverage) serves your goals, rather than dictates your life’s choices.
We don't look for loopholes. We look for efficiency. Income tax, investment tax and inheritance tax are part of our wealth planning.
Our Operating System for Family Wealth
QID is the tech-engine backed by our algorithm, behind our customized advice. It is not just an investment app, it is a system designed to bring order to your financial life.
Our journey begins by understanding your goals and mapping your risk profile, life stage, and cash flow needs into a clear framework. QID then helps you monitor and manage this framework with discipline and consistency.
The QID Advantage
Intelligence
AI-driven insights that support structured and disciplined decision-making. By combining data, behavioural patterns, and market outlook, we guide families to make informed choices, reduce market noise, and stay aligned with your long-term goals.
Diversification & Risk
A disciplined multi-asset approach aligned with your risk profile, liquidity requirements, and portfolio maturity, to build a diversified portfolio across assets with selective global exposure to protect market volatility and currency hedging (INR depreciation).
Family Reporting
Families need one report for all family members. QID allows families a consolidated view for all members to report mutual funds, stocks, insurance, FDs, and real estate creating visibility to tackle life’s uncertainty and to have a smooth estate and succession plan.
Intelligence
AI-driven insights that support structured and disciplined decision-making. By combining data, behavioural patterns, and market outlook, we guide families to make informed choices, reduce market noise, and stay aligned with your long-term goals.
Diversification & Risk
A disciplined multi-asset approach aligned with your risk profile, liquidity requirements, and portfolio maturity, to build a diversified portfolio across assets with selective global exposure to protect market volatility and currency hedging (INR depreciation).
Family Reporting
Families need one report for all family members. QID allows families a consolidated view for all members to report mutual funds, stocks, insurance, FDs, and real estate creating visibility to tackle life’s uncertainty and to have a smooth estate and succession plan.
QID turns human expertise into a repeatable system – integrating asset allocation, succession planning, and tax structuring into one framework.
People Behind the Work
A team committed to guiding families through life’s financial decisions.
Deeraj Dayananda Shetty
Principal Investment Advisor
Deeraj’s journey with money began early, when he moved to the United States at 15 to pursue professional tennis. His global exposure, along with his academic journey at Florida State University and SP Jain, shaped his understanding of cross-border cultures, risk management and long-term planning.
During his tenure at Citibank Singapore and UBS Singapore, he recognised the gap between a family’s financial needs versus product, commissions or incentive led advice.
Having lived and worked across the USA, Dubai, Bahrain, and Singapore, he began his advisory journey in 2011, focusing on wealth protection, wealth creation, and wealth management.
For close to two decades through Your Personal CFO, Deeraj has created financial freedom and peace of mind for Indian families globally, through clarity, technology and consistency with a team who has built a solution, driven by the right intent.
