Fee-only planning · MBA skill certification

The foundation of calm for your money and your career.

Keystone brings fee-only financial planning and industry-ready certification under one roof. Get a clear plan for your finances, or a 36-hour course that proves a skill.

● No product commissions    ● India-specific advice    ● 36-hour courses    ● 50-question exams

Fee-only

You pay for advice. Product companies do not pay us.

NISM and IRDAI certified founder

Securities and insurance knowledge behind each plan.

CFP-led planning

Senior planner is a Certified Financial Planner.

SEBI Registered Trainer

Academy content taught with market-regulator awareness.

Two ways to start

Plan your finances. Certify your skills.

Pick the door that fits where you are today. Both open into the same idea: clear thinking, in plain language, built for India.

Keystone Financial Clarity

For salaried professionals, couples and families

  • See where every rupee goes and what it should do
  • Match investments to goals and time horizons
  • Check insurance cover for gaps and overlaps
  • Sort out tax, loans and retirement in one plan

Keystone Academy

For MBA students, graduates and working professionals

  • 20 industry-skill courses across management, finance, technology and operations
  • Every course is exactly 36 hours
  • Final exam of 50 multiple-choice questions in 60 minutes
  • Certificate on completion

Financial Clarity · How it works

From a confusing month to a written plan

STEP 1

Book

Choose a session type and a time. Tell us about your income, goals and commitments.

STEP 2

Clarity session

A structured conversation with a Keystone planner covering cash flow, protection, investments, tax and debt.

STEP 3

Written plan

You leave with a prioritised action plan in plain language, to act on at your own pace.

What we cover

Everything that touches your money, in one conversation

Cash flow and budgeting

Know where each month goes and set a spending plan that survives real life.

Goals and emergency fund

Put amounts and dates on goals, and build the cushion that protects them.

Investments

Mutual funds, shares, gold, FDs, PPF, post office schemes and real estate, matched to your time horizon.

Insurance review

Check life, health and general cover for gaps and overlaps, without selling you a policy.

Income tax

Compare regimes and use deductions where they fit your plan.

Loans and debt

Sequence EMIs, prepayments and credit cards so interest stops leaking.

Retirement

Estimate the corpus you need and the monthly effort to reach it.

Family and estate

Nominations, wills and who needs to know what, before it is urgent.

Indian instruments we explain

Share market · Mutual funds · Gold · Fixed deposits · PPF · Real estate · Post office schemes · Insurance

Pricing

Clear fees for planning and for learning.

One fee for a session, one fee for a course. Nothing is paid to us by a product company.

Individual

Individual Clarity Session

₹4,999

per session

  • Structured session with a Keystone planner
  • Cash flow, goals and emergency fund review
  • Insurance gap check
  • Investment allocation guidance
  • Written clarity plan

Couples and families

Family Clarity Session

₹7,999

per session

  • Everything in the individual session
  • Both partners’ income, goals and commitments
  • Child education, home and retirement planning together
  • Protection and nominations for dependents
  • One shared written plan

Single course

One course

₹2,999

per course · 36 hours · exam + certificate

Bundle

Any five courses

₹11,999

save about 20% · handbook, exam & certificate each

The people

Built by practitioners

Harshit Kumar Gupta

Founder, Keystone Financial Clarity and Keystone Academy

MBA in Financial Markets and Banking. IRDAI and NISM certified. Leads the planning method and the Academy curriculum.

Dr. Daya Dhar Raj Srivastava

Senior Financial Clarity Planner

Certified Financial Planner (CFP) and SEBI Registered Trainer. Presents the Keystone webinar on financial clarity in the age of information overload.

Questions

Quick answers

What is a Clarity session?

A structured conversation with a Keystone planner about your income, spending, goals, insurance, investments, tax and debt. You leave with a written, prioritised plan.

What does fee-only mean?

You pay Keystone directly for advice. We do not earn commissions from mutual funds, insurers, lenders or other product companies.

Do you sell investments or insurance?

No. We explain options and help you compare them. Any purchase is your decision, made with the provider of your choice.

Interactive tools

Calculators & full course catalog

SIP, EMI, life cover and emergency fund calculators, plus the searchable 20-course catalog with exams, live in the original Keystone app. Use the full HTML version for those, or link this page to a dedicated tools page.

Tip: Edit all headings, prices, team bios and FAQs above directly in Elementor. Change button links to your real Contact / Courses pages.

Ready for a calmer plan, or a certificate that backs your CV?

Keystone

The foundation of calm. Fee-only financial planning and MBA industry skill certification, built for India.

Investments in securities markets are subject to market risks. Content is for education and is not personalised investment advice. Academy certificates recognise Keystone’s own courses and are not a degree or a licence to practise.

© 2026 Keystone Financial Clarity and Keystone Academy. All rights reserved.

×
×

Cart