About Us
At Rathi Wealth, we redefine financial empowerment, going beyond the traditional method by seamlessly blending exceptional financial services with life coaching. This unique approach ensures your wealth aligns with your aspirations, unlocking your full potential and helping you achieve holistic financial well-being.
With a legacy of trust, deep expertise, and an unwavering commitment to your success, we provide personalized solutions that go beyond numbers—focusing on your values, goals, and dreams. Guided by the highest ethical standards, we empower you with clarity and confidence, ensuring every decision we make serves your best interests.
Together, let’s transform your financial aspirations into a vibrant, fulfilling and prosperous reality.
Join us in your journey towards financial success, and let us guide you to a brighter and more secure tomorrow.
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About Us
Rathi Wealth was founded on a simple belief: wealth should not be confusing, transactional, or stressful. It should be structured, purposeful, and empowering.
We operate as our clients’ Personal CFOs—bringing structure, clarity, discipline and long-term thinking to every financial decision. Our work goes far beyond products and performance. We design complete wealth ecosystems that integrate protection, growth, governance and legacy—so wealth serves life, not the other way around.
Guided by our Wealth Pyramid philosophy, we build from the foundation up:
security before growth, clarity before complexity, and intention before accumulation.
What sets us apart is our integration of financial strategy with life design. We don’t just manage wealth—we help our clients make better decisions, live with confidence, and move forward with certainty.
We serve a select group of individuals, families and institutions who value discretion, discipline, depth, and long-term alignment over noise and novelty. People who understand that serious wealth requires serious thinking.
Every relationship we build is anchored in three principles:
Uncompromising ethics. Absolute transparency. Long-term alignment.
This is not about chasing returns.
This is about building stability, freedom, and generational continuity.
If you seek a strategic partner who thinks like an owner, protects like a trustee, and advises like a Personal CFO—welcome to Rathi Wealth.
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Our Vision
” At Rathi Wealth , we envision to be more that just a financial service firm, to be a lifelong partners for individuals and families, empowering them with the clarity, confidence and tools to live a financially secure, independent, peaceful and meaningful life. “
Our Mission
” At Rathi Wealth, by 2028 we aim to spread financial literacy by educating 10000+ individuals and helping 1000+ families in their overall financial wellbeing by empowering them and build lasting legacies.
Our Vision
” At Rathi Wealth , we envision to redefine wealth management as a lifelong partnership—where financial clarity, disciplined strategy and purposeful living come together to create enduring prosperity across generations.”
Our Happy Figures
Lead by Experience, Trust and Collaborative Efforts
25+
Years of Experience
in the Industry
150+
Happy Families
200Cr +
Asset Under Management (AUM)
25+
Years of Experience
in the Industry
150+
Happy Families
200Cr +
Asset Under Management (AUM)
3000+
People Educated
200+
Articles Published
70+
Investor awareness programmes conducted
25+
Years of Experience
in the Industry
3000+
People Educated
200+
Articles Published
70+
Investor awareness programmes conducted
Why Us?
Our Code of Conduct and Ethical Standards
Ethics First. Always.
At Rathi Wealth, ethics are not articulated—they are embedded. Our work is governed by regulatory discipline, absolute transparency, and a fiduciary mindset that places our clients’ long-term interests above all else. Every recommendation, structure, and action is tested against one question: Is this right, not just now, but over time?
Experience Backed by Expertise
With over 25 years of experience, our strength lies not only in time, but in knowledge. Our team brings deep subject expertise across financial planning, investments, taxation, risk management, and legacy structuring—refined through multiple market cycles and real-world family situations. This collective expertise allows us to address complexity with confidence, and guide decisions with clarity and precision.
Personal CFO Thinking
We work alongside families as a Personal CFO—overseeing the entire financial landscape rather than isolated decisions. Planning, investments, risk management, tax efficiency, and legacy considerations are structured as one integrated responsibility, reviewed continuously and aligned with long-term intent.
Built Around You
There are no predefined solutions here. We begin by understanding your priorities, responsibilities, and perspective on risk. From there, we design bespoke frameworks that grow wealth thoughtfully, protect it carefully, and align it with the life and legacy it is meant to support.
Clarity Without Complexity
Technology is applied with purpose and restraint. Our focus is on clear reporting, structured insights, and informed access—so you remain in control without being burdened by unnecessary detail or noise.
Partnership Over Time
Our role extends beyond market cycles and milestones. As lives evolve, structures evolve with them—while discipline, direction, and long-term vision remain steady. We are present not just to advise, but to accompany families through every phase of their journey.
Proven Outcomes
Our work is reflected in outcomes built over time—helping families achieve financial independence, plan early retirements, fund important life goals, manage transitions, and secure legacies. We measure success not by short-term performance, but by stability, continuity, and peace of mind.
Regulatory Compliance and Ethical Standards
Rathi Wealth adheres to the highest ethical standards and complies with all financial regulations in India. You can trust that your financial well-being is our top priority, and we always act in your best interests.
Experience and Expertise
With a proven track record of 25+ years in the world of Wealth Coaching, our dedicated team brings a wealth of knowledge and expertise to the table. We have successfully guided countless clients on their journey to financial prosperity, helping them achieve their long-term goals.
Customised Solution
Your financial goals are as unique as you are. That’s why we never take a one-size-fits-all approach. We take the time to understand your specific aspirations, risk tolerance, and financial situation. We then create a personalized plan designed to help you build and protect your wealth effectively.
Innovative tools and Technology
We leverage cutting-edge financial technology to provide you with real-time data, analysis, and interactive tools to keep you informed and engaged in your financial journey.
Comprehensive Wealth Coaching
At Rathi Wealth, we offer a holistic approach to Wealth Coaching. Our services encompass financial planning, investment strategies, tax optimization, estate planning, risk management, and more. We cover every aspect of your financial well-being to create a tailored and cohesive plan that aligns with your unique objectives.
Proven Results
Our results speak for themselves. We have helped numerous clients attain their financial goals, from early retirement to funding their children’s education to securing their legacy.
Dedicated Support
We provide ongoing support, not only during market highs but also during challenging times. We are here to help you stay on course and adjust your plan as your life circumstances evolve.
Regulatory Compliance and Ethical Standards
Experience and Expertise
Customised Solution
Innovative Tools And Technology
Comprehensive Wealth Management
Proven Result
Dedicated Support
Our Team
Experience . Expertise . Excellence
Umesh Rathi
MD & CEO
CFP, CWM®, CTEP™, CLC, MBA, LLB
Umesh Rathi’s journey in personal finance is driven by a single purpose: to transform lives through financial empowerment. Early in his career, while working in the financial services industry, Umesh noticed a critical gap—most services focused on products, not on personal, holistic financial guidance. This realization sparked his mission to provide people with more than just investment advice; it ignited a desire to help individuals and families build lasting legacies.
With an LLB, MBA, and the distinction of becoming Central India’s first Certified Financial Planner (CFP®) in 2008, Umesh set out to redefine financial planning. His impressive credentials—Chartered Wealth Manager (CWM®), Certified Life Coach (CLC), and Certified Trust and Estate Planner (CTEP®)—are a testament to his dedication to staying ahead of the curve.
For over 20 years, Umesh has helped countless professionals, from doctors to business owners, craft personalized financial plans that not only protect their wealth but align their finances with their life’s purpose. His approach is simple but powerful: true financial freedom isn’t just about wealth; it’s about creating a future that allows clients to live with confidence, security, and peace of mind.
In 2021, Umesh founded Rathi Wealth with a vision to educate, empower, and uplift families. Under his leadership, Rathi Wealth has become a beacon of financial transformation, where the mission is clear: to help individuals build not just wealth, but legacies that will last for generations.
Vibhuti Rathi
Director
QPFP, MCM, MSc, CDAC
Vibhuti Rathi brings continuity, discipline, and long-term thinking to the heart of Rathi Wealth.
With over two decades of experience spanning education, technology, and financial systems, she contributes a rare blend of academic rigour and practical judgement. She holds a Master’s in Computer Management (MCM), an MSc in Information Technology, and has completed advanced CDAC programs—a foundation that has shaped her methodical, systems-driven approach, grounded in precision and clarity.
Her transition into personal finance was guided by the same belief that defines Rathi Wealth: complexity should be resolved quietly, and decisions should be built to last. As a qualified personal finance professional, she brings structure, calm, and quiet confidence to every framework the firm builds.
As Director at Rathi Wealth, Vibhuti plays a pivotal role in strengthening the firm’s internal architecture—ensuring that every process, every system, and every client experience reflects consistency, care, and trust.
Her work is measured.
Her approach is deliberate.
Her impact is enduring.
Because legacies are not sustained by visibility,
but by reliability.
Raghav Rathi
Head Of Business Development & Investor Awareness
Raghav Rathi focuses on how families experience Rathi Wealth—because enduring relationships are built on clarity, consistency, and trust.
He leads business development, client experience, and investor awareness, ensuring every interaction is measured, thoughtful, and aligned with the firm’s values. His work places education before persuasion, and understanding before complexity—so families engage with confidence, never pressure.
Blending financial insight with clear communication and strategic perspective, Raghav helps Rathi Wealth connect with families in a manner that is respectful, relevant, and enduring.
Curious by nature and committed to continuous learning, he brings a modern outlook while remaining deeply respectful of the discipline and responsibility that wealth stewardship demands.
For those seeking a long-term partner defined by trust, continuity, and discretion, Raghav ensures the experience with Rathi Wealth feels considered, credible, and reassuring—from the very first conversation.
Client Testimonials
Know what our happy clients have to say about us
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Lets Transform Your Financial Aspirations Into A Vibrant And Prosperous Reality.
Join us in your journey towards financial success, and let us guide you to a brighter and more secure tomorrow.
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