Over the past two decades plus practising as a Financial Planner, I’ve noticed that advisers often fall into two broad categories.
The Agreeable Adviser
They listen attentively.
They empathise.
They rarely disagree.
Clients feel comfortable and reassured. Yet, over time, portfolios shaped by comfort alone often fall short of long-term potential.
The Uncomfortable Adviser
This adviser asks harder questions.
Offers a different perspective.
Challenges assumptions—with intention.
Not to dominate the conversation, but to improve outcomes.
At Naveen Rego Capital, we choose the role of Uncomfortable Adviser.
Our responsibility is not to echo instincts, but to act as a steady, objective counterbalance—especially during emotional decisions.
That means there are moments when we may:
- Disagree thoughtfully
- Push back respectfully
- Say no, when saying yes would be easier
- Favour discipline over excitement
Clients don’t engage us for affirmation. They engage us for clarity, experience, and principled guidance.
Yes, this approach has cost us some relationships. But it has also strengthened the right ones.
And over time, it has helped us build a practice grounded in trust, consistency, and outcomes.
There is a quiet truth in wealth creation: No matter how confident or successful one becomes; sound judgement still matters.
If you value honesty, patience, and long-term thinking, we are likely well aligned.
Our 3-Point Fit Test for onboarding and retaining clients
- Clients believe in our philosophy and trust our process.
- We are confident we can meaningfully add value to our client’s financial life.
- Clients view advice as a professional service worth paying for.
If any one of these is missing, it is better—for both sides—not to proceed or terminate the engagement.
Because the most enduring financial relationships are built on shared values, clarity, and mutual respect.
Happy Financial Planning!
Naveen Julian Rego – CFP®
MD & Principal Officer
Naveen Rego Capital
SEBI Registered Investment Adviser
Reg No: INA000019211
BSE Membership ID: 2178
Date: 27-02-2026
Disclaimers:
1. Investment in the securities market is subject to market risks. Read all the related documents carefully before investing.
2. Registration granted by SEBI, membership of BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
3. Financial products recommended by us which are under the jurisdiction of other regulators are beyond the scope of SEBI’s grievance mechanism.
