As an NRI moving back to India, should I use a financial advisor, do it myself, rely on family, or figure it out slowly?

Family helps with local context; advisors handle tax, legal, and investment complexity; your own spreadsheet keeps you in control of irreversible calls like property, tax residency, and retirement timing. Outsource execution, not judgment.

Do you trust a bank RM?

Trust the process, not the title. A bank RM may be useful for paperwork, but incentives often favor products. Returnees should ask for written fee/commission disclosure, compare independent advice, and separate banking execution from investment planning.

How to invest money if I plan to move back to india in 5-7 years?

Invest for optionality, tax clarity, and currency need. Avoid locking all money into one country, one currency, or illiquid property before city and timeline are clear. In the 5-7 year window, build a plan for foreign brokerage, retirement accounts, Indian accounts, emergency liquidity, and future RNOR restructuring.

Services / Financial Transition Blueprint

Self-Paced Course

NRI to Resident: Essential Financial Transition Blueprint

A practical 8-step system to return to India without costly mistakes. Master RNOR timing, taxes, U.S. accounts, property, and paperwork.

Only Financial Planning Roadmap Designed for Returning NRIs

Financial Transition Blueprint — Desi Return

What You Will Learn

6 comprehensive modules for your financial transition

Know Your Number

Calculate your India corpus for work/retire scenarios - housing, healthcare, education, buffers.

Use the RNOR Window

Choose the right move date and shield foreign income during RNOR; avoid double tax.

Protect U.S. Savings

Penalty-smart plan for 401(k)/IRA and Roth options so your nest egg isn't drained.

HSA, Done Right

Use HSA funds for Indian medical bills - what's eligible, how to document and report.

Claim Social Security

Eligibility, filing, and taxation for receiving U.S. benefits while living in India.

Property: Sell, Rent, Hold

A step-by-step framework to decide, with tax and cash-flow implications.

Course Overview

Complete pre-departure financial strategy
Master RNOR tax optimization timing
Manage U.S. retirement accounts (5 options)
Navigate Social Security & taxation
Decide on U.S. assets and property
Complete exit compliance & documentation

Meet your guide

Hey, I'm Avinash

Ex-NRI (20 years) • Returned 2022. I help NRIs plan money, taxes, and assets for a smooth move back to India. I turn complex questions into a clear action plan.

On camera

Hear it from them, not just us.

Real returnees, on camera, unscripted.

Reviews on Google

Rated 4.8 out of 5 by returning families

4.8 average from 12 Google reviewsRead them on Google

Kiran KumarLocal Guide · 63 reviews

August 2025

The content published by DR has been a great help before our move back to India.

S M9 reviews

August 2025

The personal stories, are realistic, positive and very valuable source for personal planning and decisions.

Ravi Kiran2 reviews

August 2025

Definitely recommend for anyone planning to make a move back to India

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FAQ

Questions people ask

AFTER THE COURSE

The course gets your plan right on paper.

The Inner Circle is where you check it against 500+ people actually living the answer right now — a good place to land once you've finished the modules.

See the Inner Circle →