What to Expect
We believe in setting expectations clearly before you commit to anything. Here is what a typical engagement looks like — from first conversation through the first year of ongoing advisory.
Your first year with Kubhera
Information gathering
We provide a structured questionnaire and a document checklist tailored to your situation. You share what you have — we do not burden you with requests for documents we will not use. We review everything before our first meeting so the conversation is focused and productive.
- Signed engagement agreement
- Secure document portal access
- Completed questionnaire
Discovery meeting
An in-depth conversation with your lead advisor. Typically 2–3 hours, conducted in person or via secure video. We ask about goals, family, concerns, and anything you have been avoiding. We want to understand the purpose of your wealth — not just its current structure.
- Goals and priorities documented
- Risk tolerance established
- Initial observations shared
Structural audit
We review all accounts, entities, tax returns, and estate documents. You receive a written summary of what we find — including what is working well and what is not. Most clients discover 2–4 significant inefficiencies in their current structure.
- Written audit summary
- Tax profile analysis
- Entity and trust review
- Insurance gap analysis
Plan delivery
A written strategic blueprint — not a generic template. We walk through it together, explain every recommendation, and answer every question before any implementation begins. Nothing moves until you understand and agree with the direction.
- Written financial plan
- Investment policy statement
- Implementation roadmap
- Tax strategy outline
Active stewardship
Minimum quarterly contact: a formal review of plan progress, portfolio performance, and any life changes. Most clients hear from us more frequently than that. We monitor regulatory and market changes and reach out when action may be warranted — you should not have to call us first.
- Quarterly review meetings
- Annual plan update
- Tax-season coordination
- Ad hoc analysis on request
Communication standards
At most advisory firms, you deal with whoever picks up the phone. At Kubhera, you have a named lead advisor who knows your situation in detail and is accountable for the quality and consistency of your experience.
We do not outsource client communication to associates or junior staff. If your advisor is unavailable, you will be told when to expect a response — not transferred to someone who does not know you.
Primary contact
Your lead advisor — a named individual, not a call centre
Response time
Same business day for emails and calls, in most circumstances
Review frequency
Quarterly formal reviews; more frequent as needed
After-hours access
Direct mobile number for time-sensitive situations
Reporting frequency
Monthly performance reporting; quarterly commentary
Document access
Secure client portal with all plan documents and statements
3–4
hours
Typical discovery meeting
We take the time to actually understand your situation before making any recommendation.
8–12
weeks
Plan delivery timeline
From signed engagement to a completed written plan in your hands — no indefinite delays.
Quarterly
Minimum review cadence
Formal reviews with your lead advisor. Most clients connect more frequently than this.
Ready to begin?
The first conversation is exploratory — no commitment, no paperwork.