HI, I'M NIKHIL
I grew up inside a cycle of building, losing, and rebuilding.
My ancestors were wealthy traders in Sindh before Partition erased everything overnight. My grandfather rebuilt in India. My father rebuilt again in Dubai. By the time I was born, the empire was gone — but the pattern was alive.
I lost my father at 19. Survived a near-fatal car accident at 25. Almost lost my sister to organ failure. Through all of it, I learned something that changed how I see money forever:
Money isn't for buying things. Money is for buying peace.
Today, I coach people to take control of their finances — not just the numbers, but the beliefs, fears, and patterns underneath them.
HOW I HELP
Coaching that goes beneath the surface.
I don't give you a spreadsheet and wish you luck. We work together — on the numbers and on the mindset behind them.
Clarity
Understand where you stand today. Income, expenses, debts, assets — one clear picture instead of scattered anxiety.
Structure
Build a money system that works for your life — budgeting, saving, investing, and protecting what matters.
Mindset
The part most coaches skip. We work on the beliefs, habits, and emotional patterns driving your money decisions.
THIS IS FOR YOU IF
You're not looking for a quick fix.
● You earn well but have no idea where the money goes
● You know you should be investing but don't know where to start
● You have debt and it's quietly weighing on you
● You grew up with complicated feelings about money and they're still running the show
● You want someone honest to walk with you — not sell to you
● You're tired of financial noise and just want a plan that makes sense
Whether you're salaried, freelance, a business owner, or living on an allowance — the coaching is built around your reality, not a textbook.
THE PROCESS
From conversation to clarity in four steps.
01
Discovery call
A free, informal conversation. We talk about where you are, what's on your mind, and whether coaching is the right fit. No pressure.
02
Your personalised plan
I build a coaching agreement tailored to your situation — the topics, the roadmap, and the outcomes we'll work toward together.
03
The coaching journey
6 sessions over 6 months. We cover financial foundations, organisation, investing, goal setting, the psychology of money, and a topic customised to you.
04
Accountability that sticks
Monthly check-ins. A shared progress tracker. A Progress Score you can see moving. You don't just learn — you build real habits and real momentum.
TRUST THE PROCESS
What people experience.
200+
Sessions held with clients across UAE, India, and UK
12+
Years in corporate finance before becoming a coach
NYU
Workshop facilitator at NYU Abu Dhabi and corporate teams
MY APPROACH
Three steps. Protection. Preparation. Growth.
Every coaching journey follows a simple framework born from real life, not theory:
Protection — because I learned at 25, lying on a road in 50-degree heat, that the people you love need to be okay even if you're not.
Preparation — because when my sister needed a liver transplant, money didn't save her, but it got us to the hospital that did.
Growth — because building wealth isn't about being smart every day. It's about staying consistent when everything in you wants to react.
This isn't a formula I read somewhere. It's what I built from the wreckage. And it's what I teach.