Welcome to Maxima-Wealth Advisors

At Maxima Wealth Advisors, we are committed to empowering you with the knowledge and tools to achieve your financial goals. Our team of experienced, SEBI-registered advisors is dedicated to providing personalized investment planning and mutual fund advisory services that prioritize your needs and aspirations.

🔹 SEBI-registered advisors
🔹 16+ years of experience
🔹 Transparent and client-first approach
Take control of your financial future – with Maxima Wealth Advisors.

Our Founder

Sivamurugan Sankaralingam

Transforming Financial Dreams into Reality Through Experience, Passion, and Purpose

Sivamurugan Sankaralingam is the visionary founder and driving force behind Maxima Wealth Advisors, bringing over 16 years of distinguished experience in the banking and financial services industry. His journey from banking professional to entrepreneurial wealth advisor represents a commitment to elevating the standard of personalized financial guidance in India.

A Foundation Built on Excellence

Sivamurugan's career began in the dynamic world of banking, where he spent more than a decade and a half mastering the intricacies of Investments and Relationship Management. His tenure in the banking sector wasn't just about years of service—it was about building deep expertise across diverse market conditions, economic cycles, and client needs throughout South India.
Working across various markets in the southern region provided him with invaluable insights into the unique investment patterns, cultural preferences, and financial aspirations of Indian families and businesses. This regional expertise, combined with his technical proficiency, enabled him to develop a nuanced understanding of how global financial principles can be adapted to serve local investment objectives effectively.

The Entrepreneurial Leap

In 2023, driven by an unwavering passion to offer more personalized, transparent, and strategic investment solutions, Sivamurugan made the pivotal decision to launch Maxima Wealth Advisors. This transition from the corporate banking world to entrepreneurship wasn't just a career change—it was a mission to bridge the gap between institutional financial expertise and individual investor needs.
His decision to establish the firm in Coimbatore reflects his strategic vision of combining global financial insights with a strong local presence. Recognizing Coimbatore as an emerging financial hub with tremendous growth potential, he positioned Maxima Wealth Advisors to serve the evolving needs of the region's progressive business community and affluent families.

Leadership Philosophy & Approach

Client-Centric Excellence: Sivamurugan's approach goes beyond traditional advisory services to create genuine partnerships built on trust, transparency, and mutual success.
Relationship-First Mindset: Drawing from his extensive background in Relationship Management, he understands that successful wealth management is fundamentally about understanding people—their dreams, concerns, and life goals.
Innovation Through Experience: His proven track record in customer service excellence forms the foundation of Maxima Wealth Advisors’ service delivery model, combining time-tested financial principles with innovative solutions.

Expertise That Makes the Difference

Investment Mastery: 16 years of hands-on experience in investment management, deep knowledge of market dynamics, portfolio construction, and risk management strategies.
Market Intelligence: Unique insights into regional economic trends, sectoral opportunities, and local investment preferences across South Indian markets.
Regulatory Expertise: Comprehensive understanding of financial regulations, compliance requirements, and industry best practices.

“Under Sivamurugan's leadership, Maxima Wealth Advisors continues to redefine what personalized wealth management means, one client relationship at a time.”

About Us

At Maxima Wealth Advisors, we believe that every financial dream deserves a strategic path to reality. As a premier investment planning and mutual fund advisory firm, we are dedicated to transforming your financial aspirations into achievable milestones through trust, transparency, and meticulously tailored strategies.

"From planning to progress—Maxima is with you at every step."

Our Services

Our Main Focus

Mutual Fund Advisory

Transform your investment approach with our expert mutual fund advisory services that take the guesswork out of fund selection and portfolio management.
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Investment Planning

Whether you're planning for your child's education, dream home, or building long-term wealth, our comprehensive investment planning services provide the roadmap to achieve your financial aspirations.
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Retirement Planning

Plan for a retirement that maintains your desired lifestyle while accounting for inflation, healthcare costs, and changing needs over time.
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Tax Planning & Advisory

Navigate the complex tax landscape with expert guidance that helps you keep more of what you earn while staying fully compliant.
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Estate Planning

Ensure your wealth is preserved and transferred according to your wishes through comprehensive estate planning that protects your family's future.
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Corporate Advisory

Help your business optimize its financial resources and take care of your most valuable asset – your employees.
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WHY US

Transparent Process: Clear communication about strategies, costs, and expected outcomes with no hidden fees or surprises.
Ongoing Partnership: Continuous monitoring, regular reviews, and strategy adjustments as your life and goals evolve.
Deep Regional Understanding: Our extensive experience across South Indian markets provides unique insights into local investment opportunities and regional economic trends that can benefit your portfolio.
Holistic Approach: Beyond mutual funds and investments, we provide comprehensive financial planning that considers your entire financial ecosystem – from insurance needs to retirement planning.
Technology-Driven Insights: We combine traditional advisory wisdom with modern analytical tools to provide data-driven recommendations and real-time portfolio monitoring.
Accessibility & Education: We believe in empowering our clients through financial education, making complex investment concepts understandable and actionable.
Proven Track Record: Our founder's 16-year journey in financial services, including successful relationship management across diverse market conditions, brings invaluable experience to every client interaction.

Ready to transform your financial future? Contact us today to discover how our comprehensive services can help you achieve your wealth goals with confidence and clarity.

Process

The Maxima Way – Our 4 -Step Advisory Process

Step 1: Discovery Call

Understanding your goals, dreams, and current financial health.

Step 2: Planning Session

Identifying appropriate investment products based on time horizon and risk profile.

Step 3: Monitoring & Reporting

Ongoing performance reviews, rebalancing, and market insights.

Step 4: Adjustments as Life Evolves

Whether it’s a job change, child’s education, or retirement, we stay with you through it all.

📘 INVESTOR INFORMATION & GUIDELINES

A. Vision and Mission Statements for Investors

• Vision

Invest with knowledge & safety.

• Mission

Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of Business Transacted by the Investment Adviser with respect to the investors

To enter into an agreement with the client providing all details including fee details, aspects of Conflict of interest disclosure and maintaining confidentiality of information.
To do a proper and unbiased risk–profiling and suitability assessment of the client.
To conduct audit annually.
To disclose the status of complaints on its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details (i.e. Head office/ regional/ local Office) on its website.
To employ only qualified and certified employees.
To deal with clients only from official number.
To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
To ensure that all advertisements / marketing / promotional material are in adherence to the provisions of the Advertisement Code for Investment Advisers.
Not to discriminate in terms of services provided, among clients opting for same/similar products/services offered by investment adviser.

C. Details of Services Provided to Investors (No Indicative Timelines)

• Onboarding of Clients

Sharing of agreement copy
Completing KYC of clients

• Disclosure to Clients

To provide full disclosure about its business, affiliations, compensation in the agreement.
To not access client’s accounts or holdings for offering advice.
To disclose the risk profile to the client.
To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.

To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
To treat all advisory clients with honesty and integrity.
To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
To ensure confidentiality of information shared by investors unless such information is required to be provided in furtherance of discharging legal obligations or investors have provided specific consent to share such information.
To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.

D. Details of Grievance Redressal Mechanism and How to Access It

1. Investor can lodge complaint/grievance against Investment Adviser:

In case of any grievance / complaint, an investor may approach the concerned Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

2. Mode of filing the complaint on SCORES or with IAASB

SCORES 2.0 (web-based centralized grievance redressal system) – https://scores.sebi.gov.in
First review by IAASB
Second review by SEBI
Email to designated email ID of IAASB

3. SMARTODR Platform

If the Investor is not satisfied with the resolution provided by Market Participants, they may file complaint on SMARTODR for online conciliation/arbitration.

4. Physical Complaint Address

Office of Investor Assistance and Education,
Securities and Exchange Board of India,
SEBI Bhavan, Plot No. C4-A, ‘G’ Block,
Bandra-Kurla Complex, Bandra (E),
Mumbai - 400 051

E. Rights of Investors

Right to Privacy and Confidentiality
Right to Transparent Practices
Right to Fair and Equitable Treatment
Right to Adequate Information
Right to Initial and Continuing Disclosure
Right to receive information about all statutory and regulatory disclosures
Right to Fair & True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of the timelines for each service
Right to be Heard and Satisfactory Grievance Redressal
Right to Suitability of Financial Products
Right to Exit from financial product/service
Right to receive guidance for Complex & High-Risk Products
Additional Rights to vulnerable consumers
Right to provide feedback
Right against coercive or unfair clauses
Right to enforceability and holding the Investment Adviser responsible

F. Expectations from Investors (Responsibilities of Investors)

• Do’s

Always deal with SEBI registered Investment Advisers.
Ensure the IA has valid registration; check SEBI registration number.
Pay advisory fees only through banking channels and maintain receipts. You may also pay through CeFCoM if adviser has opted for it.
Ask for risk profiling and ensure advice matches your profile.
Ask questions and clear doubts before acting.
Assess risk–return, liquidity & safety before investing.
Insist on written terms & conditions; read carefully.
Be vigilant in transactions.
Approach authorities for grievances.
Inform SEBI about misconduct or assured return promises.
Remember your rights: exit, clarification, feedback, etc.
You are not bound by any clause that contradicts regulation.

• Don’ts

Don’t fall for stock tips under the pretext of advice.
Do not give funds to the adviser to invest.
Don’t believe promises of assured returns.
Don't fall prey to luring advertisements or rumors.
Don’t act on phone calls or messages without verification.
Don't be influenced by repeated calls/messages.
Do not fall prey to limited-period discounts or incentives.
Don’t rush into investments mismatched with your risk appetite.
Do not share login credentials or passwords.

News & Blogs

Leatest News Feeds

- by: Admin
- Happy-Retirement
Why Retirement Planning Should Start in Your 30s
Jun 5, 2025
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- by: Admin
- Mutual-Fund
5 Mistakes Investors Make in Mutual Funds
Jun 5, 2025
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- by: Admin
- Tax
• “How to Plan Tax-Efficient Investments in FY 2025”
June 5, 2025
Read More

Contact US

Enquiry Form

📝 Complaint Report

Sr. No.	Received from	Pending at the end of last month	Received	Resolved *	Total Pending #	Pending complaints > 3 months	Average Resolution time^ (in days)
1	Directly from Investors	0	0	0	0	0	0
2	SEBI (SCORES)	0	0	0	0	0	0
3	Other Sources (if any)	0	0	0	0	0	0
Grand Total		0	0	0	0	0	0

📅 Trend of Monthly Disposal of Complaints

Sr. No.	Month	Carried forward	Received	Resolved *	Pending #
1	April, YYYY	0	0	0	0
2	May, YYYY	0	0	0	0
3	June, YYYY	0	0	0	0
4	………………	0	0	0	0
5	March, YYYY	0	0	0	0
Grand Total		0	0	0	0

📆 Trend of Annual Disposal of Complaints

Sr. No.	Year	Carried forward	Received	Resolved *	Pending #
1	2021–22	0	0	0	0
2	2022–23	0	0	0	0
3	2023–24	0	0	0	0
4	20XX–XX	0	0	0	0
Grand Total		0	0	0	0

📜 Terms & Conditions

The Investment Adviser (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client’s behalf.
The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
Any assured/guaranteed/fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
Investment advice, only related to securities shall fall under the purview of SEBI. In case of any services offered by IA related to products/services not under the purview of SEBI, IA shall make disclosure to the client and take appropriate declaration and undertaking from the client that such products/services and the services of IA in respect of such products/services do not come under regulatory purview of SEBI and that no recourse is available to the client with SEBI for grievances related to such products/services or services of IA in respect of such products/services.
This agreement is for the investment advisory services provided by the IA and IA cannot execute/carry out any trade (purchase/sell transaction) on behalf of the client without his/her/its specific and positive consent on every trade. Thus, the client is advised not to permit IA to execute any trade on his/her/its behalf without explicit consent.
The fee charged by IA to the client will be subject to the maximum of amount prescribed by SEBI/Investment Adviser Administration and Supervisory Body (IAASB) from time to time (applicable only for Individual and HUF Clients).

Note:
(i) The current fee limit under Fixed Fee mode is Rs 1,51,000/- per annum per family of client. Under Assets under Advice (AUA) mode, maximum fee limit is 2.5 per cent of AUA per annum per family of client.
(ii) The IA may change the fee mode at any time with the client’s consent; however, the maximum fee limit in such cases shall be higher of fee limit under the fixed fee mode or 2.5 per cent of AUA per annum per family of client.
(iii) The fee limits do not include statutory charges.
(iv) The fee limits apply only for investment advice related to securities under purview of SEBI.
(v) The fee limits do not apply to a non-individual client / accredited investor.
IA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is maximum two quarters. In case of premature termination of the IA services by the client or the IA, the client shall be entitled to seek refund of proportionate fees only for unexpired period. However, IA is entitled to retain a maximum breakage fee of not greater than one-quarter fee.
Fees to IA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM), managed by BSE Limited (i.e. currently recognized IAASB).
The IA is expected to know the client’s financial details for providing services. Hence, the client is required to share the financial information (e.g. income, existing investments, liabilities, etc.) with the IA.
The IA is required to carry out the client’s risk profiling and suitability analysis before providing services and thereafter on an ongoing basis. The services provided will be in line with the assessed risk profile. IA shall also communicate the assessed risk profile to the client.
As part of conflict of interest management, the client or the client’s family members will not be provided any distribution services by IA or any of its group entity/ family members. IA shall, wherever available, advice direct plans (non-commission based) of products only.
The IA shall endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.
For any grievances,
Step 1: The client should first contact the IA using the details on its website or following contact details:
(IA to Provide details as per ‘Grievance Redressal / Escalation Matrix’)

Step 2: If the resolution provided by IA is unsatisfactory, the client can lodge grievances through SEBI’s SCORES platform at www.scores.sebi.gov.in

Step 3: If the client remains dissatisfied with the outcome of the SCORES complaint, the client may consider the Online Dispute Resolution (ODR) through the Smart ODR portal at https://smartodr.in
The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of IA or assure returns to the client.
Clients are required to keep contact details, including email id and mobile number/s updated with the IA at all times.
The IA shall never ask for the client’s login credentials and OTPs for the client’s Trading Account, Demat Account and Bank Account. Never share such information with anyone including IA.