From a risk score to a retirement plan that goes out 50 years.
A web platform for an Indian RIA. Investors take a risk profile, walk through an eight-step financial needs analysis, and see a year-by-year projection of their networth, salary surplus, and fund withdrawals out to retirement. The advisor team configures every standard behind it through an editor-to-super-admin workflow.
- Client
- Independent
- Industry
- RIA · Wealth Planning
- Engagement
- Custom platform
- Stack
- React · Node.js · Charts
- Status
- Live
A SEBI-registered RIA needed a platform. Not just a brochure with a calculator.
Independent is a registered investment advisor that charges fees for advice rather than commissions on products. Their clients want a real plan, not a generic equity-debt mix. That means a proper financial needs analysis, with goals, dependents, assets, liabilities, income, expenses and insurance, all feeding a portfolio recommendation tied to a specific retirement target.
It also means compliance discipline. Standard risk profiles, recommended fund lists, questions, and weightages all have to be authorised before they reach an investor. The platform handles both sides: the investor takes a planning journey, and the advisor team controls every standard behind it.
The brief was to build all of it from scratch on the web. Investor experience, advisor configuration, and super-admin authorisation, plus a tiered subscription that gates how much of the FNA each client can use.
A score, an allocation, and what to do next.
An investor finishes the assessment and lands on a result page that does three things at once. Names the profile (Conservative, Moderate, Aggressive, Very Aggressive) with a short behavioural summary. Shows the recommended asset allocation as a donut chart that adds up to 100. Suggests next steps, including booking time with an advisor.
The question set, the weightage per question, and the recommended allocation per band are all editable through the editor module and authorised through the super admin. The investor sees a clean result. The advisor team controls the rules.
Three things that made this non-trivial.
Year-by-year projections that recompute on every input change
The financial health snapshot projects networth, salary surplus, equity and debt growth, and fund withdrawals from the investor’s current age through age 90+. Change one input, the chart and table pages rebuild end-to-end. We built the calculation pipeline so the math stays accurate while the UI stays responsive.
Editor-to-super-admin authorisation across every standard
Risk-profile question changes, asset-allocation table updates, fund recommendations per band, weightage tweaks, scheduled date-and-time changes: everything goes through a propose-and-authorise workflow. Investors only ever see authorised standards. The audit trail is complete enough for a compliance review.
A subscription model that gates how much FNA a user can run
Three tiers: Basic gives one risk profile and a sample FNA report. Standard unlocks the FNA module with up to two edits per month. Premium is unlimited. Edits, regenerations, and downloads all decrement against the subscription. The billing flow handles upgrades, cancellations and overage purchases without losing in-flight FNA state.
Eight steps, one financial life mapped out.
The Financial Needs Analysis runs as a guided eight-step sequence. Risk profile carries forward from the assessment. Then financial objectives in priority order: more income, capital growth, capital protection, retirement, children’s education or marriage, family protection. Then dependents, assets, liabilities, income, expenses, insurance.
Each step persists as the investor moves through, so they can pause and resume. Validations stop them from moving forward with bad inputs. By the end, the platform has enough structured data to run a real long-horizon projection.
Networth, surplus, withdrawals. Year by year.
When the FNA inputs are in, the investor lands on a dashboard. Total networth, total assets, total liabilities sit at the top. Below them, four charts: yearly total networth, components of networth across equity, debt, alternative and insurance, yearly salary surplus and investments, and yearly needs.
Underneath sits a portfolio recommendation with named mutual funds and allocation percentages tuned to the investor’s risk band, plus a 64-page fund withdrawal table going year by year through retirement. Every number is computed, not pasted in.
Three tiers, FNA usage gated cleanly.
Basic at ₹499 per year gets one risk profile and a sample FNA report. Standard at ₹999 per year unlocks the FNA module with two edits per month. Premium at ₹2,999 per year is unlimited edits and reviews. The billing integration handles upgrades, cancellations, and overage purchases when a Standard user wants to edit beyond their monthly allowance.
Subscription state is checked at every gate in the product. The investor never gets a half-blocked flow, only a clean prompt to upgrade if they hit the ceiling.
Six modules. Investor, advisor, super admin.
Risk profiling — investor
Question flow, score, behavioural summary, donut allocation chart, recommendations and next-steps panel. Retake, share, pause and resume.
FNA wizard — investor
Eight-step Financial Needs Analysis with persisted state, validation, and back-and-forth navigation. Cart, payment and transaction history.
Financial health dashboard
Total networth, assets, liabilities, four charts through retirement, recommended portfolio with named funds, full fund withdrawal table.
Editor module
Create, modify, import and export risk profile questions. Update asset allocation per band. Set question weightage. Schedule changes. Submit to super admin for authorisation.
Investment advisor — FNA
Create and update standard risk profile tables, standard funds per band, schedule date-and-time changes, run test changes before authorisation.
Super admin module
Authorise editor and advisor changes, dashboard with KPIs, capture user risk profiling lists, validate test results, transactions, payments and product configuration.
- React.js
- Node.js
- Charting library
- Relational database
- Subscription billing
- Auth & RBAC
- Audit logging
- Scheduled jobs
Live with investors.
Maintained by the advisor team, not us.
Independent runs the platform end to end. The advisor team adjusts question sets, fund recommendations, and allocation tables through the editor and super admin modules without needing engineering. Investor sessions, FNA runs and projections are all live in production.
Building an RIA platform?
Tell us about it.
Goal-led financial planning, fee-only advisor workflows, multi-tier authorisation, retirement projections, subscription gating. If your build needs to satisfy a regulator without slowing the investor experience, we have done it before.
Get a free consultation