Recently, I stopped by a small takeaway outlet for breakfast.
Something felt… off.
No “complimentary” chutney or sambar with dosa.
Everything was priced separately.
At first, it felt wrong.
Then I looked closer.
- Lower overall prices
- No wastage
- Pay only for what you consume
- Sharp focus on quality and efficiency
And it hit me — this is exactly what’s missing in financial services.
The Problem with Bundled Financial Advice
Most financial “advice” today comes bundled with product sales:
- Insurance agent → sells endowment/ULIPs instead of pure term plans.
- Mutual fund distributor → makes financial plans to sell mutual funds
- Bankers→ converts FDs into insurance
- Stock Broker → keeps circulating research reports to increase transactions.
Advice is rarely free.
It’s just hidden inside products.
And that cost?
You pay through lower returns, higher charges, and suboptimal outcomes.
The Case for Unbundling
At Naveen Rego Capital, we follow a simple philosophy:
Advice is a service — not a by-product of selling products
- Pay for advice
- Choose what engagement model you need
- Execute anywhere you like
- No commissions.
- No hidden agenda.
Like that takeaway outlet:
Focused. Transparent. Efficient.
A Simple Thought
Next time someone offers “free” financial advice…
Ask: How are you getting paid?
Because if you’re not paying a fee,
you’re probably paying a price.
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: 14-05-2026
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.
