Strategic Legal & Financial Advisor for HNIs, CXOs & Business Owners | Protecting Wealth, Avoiding Litigation, Securing Growth | Founder @ Bharat Legal Tech
Wealth isn’t lost by markets. It’s lost by smart people making lazy planning decisions. If you’re an HNI or run an MSME, read this before another “advisor” sells you comfort. Last month, a promoter almost paid 48% tax on a property exit. No ring-fenced SPV. No cash-flow waterfall. No succession plan. One audit later, lenders got jittery. A lawsuit followed. We fixed it barely because timing was on our side. Here are the 5 mistakes I see weekly and the fix: ➪ Mixing personal + business assets → Separate SPVs. Charge rent. Maintain paper trails. ➪ “Will later” thinking → Write a Will + PoA. Add a corporate trustee. Review yearly. ➪ Blind real-estate buys → Do title + encumbrance + zoning checks. Use indemnities. ➪ Overexposed loans → Cap personal guarantees. Pledge smart, not blanket. ➪ Tax as afterthought → Pre-structure exits. Use treaties, HUF, trusts legally. What’s the one risk in your plan that keeps you up at night? #HNIs #wealth #MSME #finance #legal
