CA. Payal Somani

CA, LLB, AMFI-Registered MFD | Director @ CIS

Focused on simplifying investment decisions and building a trusted, legacy-driven investment practice across India

Numbers explain money.

Behavior explains outcomes.

 

As a Chartered Accountant with a background in law (LLB), my approach to finance is built on two foundations—structure and discipline.

 

Over the years, I’ve observed a pattern: Most financial challenges are not due to lack of income, but due to lack of alignment between earning, saving, and investing.

 

At Creative Investment Services Private Limited (Indore), the focus is on creating that alignment. We work across:

* Mutual Funds

* Fixed Deposits

* Portfolio Management Services (PMS)

* Alternative Investment Funds (AIF)

 

The objective is simple— Not just to participate in markets, but to structure money in a way that it works consistently over time. My professional background enables me to look beyond products and focus on:

* Risk-adjusted allocation

* Tax efficiency

* Long-term capital structuring

* Behavioural patterns that impact financial outcomes

 

Because wealth is rarely created by chance. It is built through clarity, consistency, and controlled decisions over time. If you believe money should not just be earned, but understood and structured, we’ll have meaningful conversations.