What is included? a) Reviewing, quantifying and prioritizing Client’s financial goals b) Reviewing Client’s existing net worth, cash flow, and insurances c) Reviewing Client’s current investment portfolio and suggesting changes if any needed. d) Developing an ongoing investment plan and support to implement the same in direct modes e) Identifying possible tax planning avenues g) Review in the 6th month h) Need based consultations during the 12 month period of engagement
What is not included? a) Income tax return filing is not included as part of this Service b) Advisor does not advise on existing or future portfolios of Direct Stocks, Futures and Options, Commodity markets ,Currency market including Crypto currencies
Fees:
1st Year – Rs.20000/-
Renewal – Rs.10000/-
SEBI Disclosures
This page contains all the disclosures that are mandated by Securities and Exchange Board of India
Registration Information
Complete name of Investment Adviser: Brijesh Vappala
Type of Registration: Individual
Registration number: INA200008592
Validity of registration: Oct 16, 2017 – Perpetual
Correspondence Address: BVare Financial Planners II Floor, Kanakath Towers, Near Rappadi Auditorium, West Fort Road, Palakkad – 678001 Kerala
Registration granted by SEBI, membership of BSE Administration and Supervision Limited (BASL) and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors
Investment in securities market are subject to market risks. Read all the related documents carefully before investing
SEBI Complaint Data to be displayed by Investment Advisers:
Regulatory Complaints Disclosure:
SEBI mandates all RIAs to display the complaints status on the website as shown below. Investors can first contact the intermediary in case of complaints, in our case through the email brijesh@bvare.com. The SEBI ‘SCORES’ website that facilitates investors in logging any complaints against listed companies or intermediaries can be accessed through SEBI’s SCORES https://scores.sebi.gov.in/ .The Online Dispute Resolution (ODR) Portal can be accessed through ODR Website and information about ODR.
Data as of last month ending : September: 30, 2026
S No
Received From
Pending as of last month
Received
Resolved
Total Pending
Pending > 3 months
Average Resolution time
1
Directly from investors
0
0
0
0
0
0
2
SEBI (SCORES)
0
0
0
0
0
0
3
Other Sources (if any)
0
0
0
0
0
0
Total
0
0
0
0
0
0
Trend of monthly disposal of complaints
Sl No
Month
Carried forward from previous month
Received
Resolved
Pending
1
September 2026
0
0
0
0
2
August 2026
0
0
0
0
3
July 2026
0
0
0
0
4
June 2026
0
0
0
0
5
May 2026
0
0
0
0
6
April 2026
0
0
0
0
7
March 2026
0
0
0
0
8
February 2026
0
0
0
0
9
January 2026
0
0
0
0
10
December 2025
0
0
0
0
11
November 2025
0
0
0
0
12
October 2025
0
0
0
0
Trend of annual disposal of complaints
S No
Year
Carried forward from previous year
Received
Resolved
Pending
1
2017-2018
0
0
0
0
2
2018-2019
0
0
0
0
3
2019-2020
0
0
0
0
4
2020-2021
0
0
0
0
5
2021-2022
0
0
0
0
6
2022-2023
0
0
0
0
7
2023-2024
0
0
0
0
8
2024-2025
0
0
0
0
9
2025-2026
0
0
0
0
Grievance Redressal / Escalation Matrix
Details of designation
Contact Person Name
Address
Contact No
Email-ID
Working Hours
Customer Care
Brijesh Vappala
BVare Financial Planners II Floor, Kanakath Towers, Near Rappadi Auditorium, West Fort Road, Palakkad – 678001 Kerala
+91 9961023640
brijesh@bvare.com
Mon-Fri, 10 am to 5 pm
Head of Customer Care
Brijesh Vappala
Same as above
Same as above
Same as above
Same as above
Compliance Officer
Brijesh Vappala
Same as above
Same as above
Same as above
Same as above
CEO
Brijesh Vappala
Same as above
Same as above
Same as above
Same as above
Principal Officer
Brijesh Vappala
Same as above
Same as above
Same as above
Same as above
SEBI Investor Charter
To facilitate investor awareness, SEBI has created an ‘Investor Charter’ pertaining to Investment Advisers, displayed below for your reference (SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/80 dated 02-06-2025).
A. Vision and Mission Statements for investors
Vision: Invest with knowledge & safety.
Mission: Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.
B. Details of business transacted by the Investment Adviser with respect to the investors
To enter into an agreement with the client providing all details including fee details, aspects of Conflict of interest disclosure and maintaining confidentiality of information.
To do a proper and unbiased risk – profiling and suitability assessment of the client.
To conduct audit annually.
To disclose the status of complaints on its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details (i.e. Head office/ regional/ local Office) on its website.
To employ only qualified and certified employees.
To deal with clients only from official number.
To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers.
Not to discriminate in terms of services provided, among clients opting for same/similar products/services offered by investment adviser.
C. Details of services provided to investors (No Indicative Timelines)
Onboarding of Clients
Sharing of agreement copy
Completing KYC of clients
Disclosure to Clients
To provide full disclosure about its business, affiliations, compensation in the agreement.
To not access client’s accounts or holdings for offering advice.
To disclose the risk profile to the client.
To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.
To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
To treat all advisory clients with honesty and integrity.
To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or a client has provided specific consent to share such information.
To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.
D. Details of grievance redressal mechanism and how to access it
1. Investor can lodge complaint/grievance against Investment Adviser in the following ways:
Mode of filing the complaint with investment adviser
In case of any grievance / complaint, an investor may approach the concerned Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.
Mode of filing the complaint on SCORES or with Investment Adviser Administration and Supervisory Body (IAASB)
SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) (https://scores.sebi.gov.in)
Two level review for complaint/grievance against investment adviser:
First review done by designated body (IAASB)
Second review done by SEBI
Email to designated email ID of IAASB
2. If the Investor is not satisfied with the resolution provided by the Market Participants, then the Investor has the option to file the complaint/ grievance on SMARTODR platform for its resolution through online conciliation or arbitration.
3. With regard to physical complaints, investors may send their complaints to:
Office of Investor Assistance and Education,
Securities and Exchange Board of India,
SEBI Bhavan, Plot No. C4-A, ‘G’ Block,
Bandra-Kurla Complex, Bandra (E),
Mumbai – 400 051
E. Rights of investors
Right to Privacy and Confidentiality
Right to Transparent Practices
Right to fair and Equitable Treatment
Right to Adequate Information
Right to Initial and Continuing Disclosure – Right to receive information about all the statutory and regulatory disclosures.
Right to Fair & True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of the timelines for each service
Right to be Heard and Satisfactory Grievance Redressal
Right to have timely redressal
Right to Suitability of the Financial Products
Right to Exit from Financial product or service in accordance with the terms of agreement with the investment adviser
Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
Additional Rights to vulnerable consumers – Right to get access to services in a suitable manner even if differently abled
Right to provide feedback on the financial products and services used
Right against coercive, unfair, and one-sided clauses in financial agreements
F. Expectations from the investors (Responsibilities of investors)
Do’s
Always deal with SEBI registered Investment Advisers.
Ensure that the Investment Adviser has a valid registration certificate.
Check for SEBI registration number. Please refer to the list of all SEBI registered Investment Advisers which is available on SEBI website in the following link: SEBI list of registered Investment Advisers
Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of advisory fees through Centralised Fee Collection Mechanism (CeFCoM) of IAASB if investment adviser has opted for the mechanism.
Always ask for your risk profiling before accepting investment advice. Insist that Investment Adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.
Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully particularly regarding advisory fees, advisory plans, category of recommendations etc. before dealing with any Investment Adviser.
Be vigilant in your transactions.
Approach the appropriate authorities for redressal of your doubts / grievances.
Inform SEBI about Investment Advisers offering assured or guaranteed returns.
Always be aware that you have the right to exit the service of an Investment Adviser.
Always be aware that you have the right to seek clarifications and clear guidance on advice.
Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.
Don’ts
Don’t fall for stock tips offered under the pretext of investment advice.
Do not provide funds for investment to the Investment Adviser.
Don’t fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don’t let greed overcome rational investment decisions.
Don’t fall prey to luring advertisements or market rumors.
Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
Don’t take decisions just because of repeated messages and calls by Investment Advisers.
Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
Don’t rush into making investments that do not match your risk taking appetite and investment goals.
Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.
