AV Financial helps individuals and families bring clarity to their money: goal-based financial planning, disciplined investing and retirement readiness, guided by Nitin Malhotra, CFP®, with a unique Financial Astrology lens on market cycles.
One relationship for the whole financial picture: from your first SIP to your retirement income, with a plan you understand.
A clear written plan that maps your income, expenses and investments to the goals that matter to you.
SIPs and lump-sum portfolios built around your risk profile and time horizon, reviewed regularly.
How much you need, how to get there, and how to turn your savings into a dependable income later.
The right cover so one unexpected event does not undo years of planning for your family.
Structure your investments so more of your returns stay with you, within the rules.
Nitin's signature perspective: reading market cycles alongside planetary cycles, taught through masterclasses and personal sessions.
No jargon and no product pushing. You will always know what we recommend and why.
We understand your family, income, goals and the worries that keep you up at night.
A clear look at your current investments, insurance, loans and cash flow.
A written, goal-by-goal plan with specific actions, timelines and the reasoning behind them.
Regular reviews as life and markets change, so the plan keeps working for you.
Most advisers look only at numbers. Nitin brings 20 years of CFP®-grade financial planning together with 7+ years of studying Financial Astrology, a perspective on how planetary cycles line up with market cycles.
The foundation is always disciplined planning and risk management. The astrological lens adds context on timing and the bigger picture.
Financial Astrology is a perspective, not a guarantee. All recommendations are grounded in your goals, risk profile and sound financial principles.
Nitin has spent 20 years helping people plan and grow their money. A Certified Financial Planner since 2014 (FPSB India), he founded AV Financial to offer families straightforward, goal-first financial guidance.
For the past 7+ years he has also studied Financial Astrology, and shares regular analysis on Nifty, Bank Nifty, gold, commodities and planetary transits on his YouTube channel, "Stock Market aur Financial Astrology".
A 3-hour LIVE masterclass with Nitin Malhotra, CFP® on understanding stocks, mutual funds, gold and real estate through Financial Astrology.
View Masterclass Details →Regular analysis on markets, precious metals and planetary transits on @astrologic10.
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Salaried professionals, business owners and families who want a clear plan for their money: whether you are just starting to invest or preparing for retirement.
A conversation about your goals, current finances and concerns. You will leave with clarity on where you stand and what the next steps could look like.
No. We focus on planning, disciplined investing and risk management. No one can guarantee market returns, and we will never promise them.
It is an additional perspective on market cycles and timing. Your plan is always built first on your goals, risk profile and sound financial principles.
Yes. Consultations and reviews can happen over phone or video call, so you can work with us from anywhere in India.
A 3-hour online session where Nitin teaches his Financial Astrology framework for markets, with live Q&A. See details →
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