The person behind TMOTRAC
Akileshvar A
Personal Financial Consultant · Sivakasi
TMOTRAC
You're earning well. You're smart at your job. But when it comes to your own money, too many opinions, too many apps, too many “experts” on Instagram, and somehow, still no clarity. That's exactly who I work with.
I'm Akileshvar, a NISM-certified personal financial consultant based in Sivakasi. I help young salaried IT professionals who want to build real wealth but are overwhelmed by financial noise and don't trust themselves to make the right calls with their hard-earned money.
My approach is jargon-free, relatable, and panic-free. I run a structured 7-session journey with every client, covering budgeting, emergency funds, health insurance, term insurance, and goal-based investing. By the end, you know exactly where your money goes, what risks you're carrying, and what you're building toward.
✦How I make money — because you deserve to know
I earn trail commissions on mutual fund investments, which means my income grows only when your wealth grows. On insurance, I earn a commission each year the policy renews — higher in the first year, lower in subsequent years. This is standard across the industry. The difference is I will only recommend a policy if you genuinely need it, and I'll tell you exactly what I earn from it if you ask.
Personal note
In January 2026, I was in a road accident. As a financial advisor who tells clients to prepare for the unexpected, it hit differently when I suddenly needed everything I'd been advising. I wrote about it. If you're putting off your emergency fund or health insurance review, read it first.
Read the postMost of my clients come through referrals. When someone trusts you enough to send their colleague or friend, that's the only endorsement that matters.
Certifications
- NISM Series V-A: Mutual Fund Distributors Certification
- NISM Series XII: Securities Markets Foundation Certification
- NISM Series X-A: Investment Adviser (Level 1) Certification
- NISM Series XXI-A: PMS Distributor Certification
- NISM Series VIII: Equity Derivatives CertificationIn Progress