Mutual Fund Distributor & Financial Planner | 7 years | 450 families
Certified Financial Planner and SEBI-registered investment adviser representative with ten years of experience serving technology professionals, doctors and business owners. Builds goal-based portfolios, plans ESOP diversification and tax-efficient withdrawals, and reviews insurance cover.
The books balance every dayFirm on the number, kind to the personEvery rupee traced to a receiptNo discrepancy survives the nightClean audit, twelve years runningDues down, dignity intactThe books balance every dayFirm on the number, kind to the personEvery rupee traced to a receiptNo discrepancy survives the nightClean audit, twelve years runningDues down, dignity intact
01 Opening balance
Every rupee accounted for.
Certified Financial Planner and SEBI-registered investment adviser representative with ten years of experience serving technology professionals, doctors and business owners. Builds goal-based portfolios, plans ESOP diversification and tax-efficient withdrawals, and reviews insurance cover.
— Farah Sheikh
FY 2026
Bengaluru, Karnataka● RECONCILED
02 Trial balance
What I handle
Every part of the fee & accounts function — collection, reconciliation, reporting and compliance — ranked by the years I've owned it.
#CompetencyDepthLevel
1
Financial planning
1
Asset allocation
1
ESOP and RSU planning
1
Tax-efficient investing
1
Retirement planning
1
Estate planning basics
1
Client retention
1
Team mentoring
03 How the books stay clean
Collection, reconciled daily
Fee collection is where finance meets feelings. Behind every overdue amount is a parent under pressure, and behind every clean audit is a year of quiet, unglamorous discipline — reconciling daily, chasing gently, and never letting a discrepancy sit overnight. My rule is simple: the books balance every single day before I go home, and no parent is ever spoken to like a defaulter. Firm on the number, kind to the person.
Record — every payment logged and receipted the moment it arrives, across cash, cheque, UPI and bank.
Reconcile — bank, cash and ledger tallied daily. A discrepancy never survives the night.
Follow up — polite, scheduled reminders and flexible plans, not harassment. Dignity intact.
Report — real-time dues, ageing and collection dashboards for management, weekly.
Close — month-end and year-end tied out, audit-ready, every rupee traceable to a receipt.
04 The ledger so far
Twelve years on the books
Senior Wealth Advisor
Fee-only registered investment advisory firm
Advise 110 families with combined investable assets of about ₹420 crore under written financial plans reviewed twice a year.
5 years
Relationship Manager, Wealth
Private sector bank wealth management division
Handled a book of 180 high-net-worth clients, growing assets under management from ₹150 crore to ₹260 crore. Cross-sold term and health insurance after documented need analysis, maintaining a nil mis-selling complaint record.
05 Qualified
Study
MBA (Finance)
Private business school
B.Com
Autonomous commerce college
06 Certified
Credentials
📊
Certified Financial Planner (CFP)…
📊
NISM Series X-A and X-B: Investment…
📊
NISM Series XV: Research Analyst
07 Clean audits
The record
🏆
99.4% collection rate — highest in groupAcross 3 campuses, 6,000 students
2024
🏆
Twelve consecutive clean auditsNo qualified opinion, no adverse remark
2013–
🏆
Cut year-end outstanding by 68%Through digital collection & ageing follow-up
Swap these for real workplace photos in the admin panel.
🧾
Fee counter, term start
🧾
Reconciliation, day close
🧾
MIS dashboard review
🧾
Audit season
🧾
Parent statements batch
🧾
Year-end close
09 Ledger notes
From the desk
JUN 2026
Firm on the number, kind to the person
How to bring collection rates above 99% without ever making a parent feel like a defaulter.
Read note →MAR 2026
The books balance before I go home
Why daily reconciliation — not month-end heroics — is the real secret to a clean audit.
Read note →NOV 2025
From cash shoeboxes to clean ledgers
A practical playbook for digitising school fee collection with UPI, auto-receipts and ageing reports.
Read note →
10 The stakeholders
What they say
"
Farah took our fee collection from a yearly nightmare to a non-event. Dues down, audit clean, and parents actually thank us for the clarity. Rare combination.
DirectorRajagiri Group
"
She chased my pending fees so gently I didn't even feel chased — just reminded, with a payment plan that worked for us. That's a professional.
Mr. ThomasParent
"
In six audits I never once found her books out of balance. Every rupee traced to a receipt. I wish every client had a Farah.
Statutory AuditorExternal audit firm
11 For schools & institutions
Balance the books
🧾 AVAILABLE FROM Q2 2027 · FEE-COLLECTION & OUTSTANDING AUDITS ON REQUEST
Current roleSenior Wealth Advisor, Fee-only registered investment advisory firm
Open toFinance Accountant · Fee / Receivables Manager · Accounts Head · Audit & Compliance
