Supporting Investors, With Purpose
Your wealth deserves ethical attention
Get unbiased, ethical & highly personalised financial advice from our Founder CEO, Mr Dick Hosy Mody whose integrity & 30+ years of global experience will help you achieve your financial goals.
SEBI Registered INA000007818
Meet Your Financial Adviser
Mr Dick Hosy Mody: Decades of Experience. A Lifetime of Trust.
Ethical Advisers is the brainchild of Mr Dick Hosy Mody, a 30+ year veteran in the Indian equity markets. Over three decades, he has gained rich investing experience while personally advising some of the most respected institutional asset managers across India, the US, UK, Asia and the Middle East.
Secured All India Merit Ranks in Chartered Accountancy Exams & qualified Company Secretary
Managed clients across Mumbai, London, New York, San Francisco & Florida with JP Morgan, Morgan Stanley, Deutsche & Raymond James
Held key management positions including Head of Equity, Head of Sales - North America, EU at top global investment banks
“It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”View Mr Dick Mody's detailed CV on LinkedIn →
Our Core Ethos
Principles that guide every recommendation
The founding principle of this firm is to bring unbiased and ethical financial advice to those who need it. As your independent financial advisor, we ensure your needs are understood patiently and always protected.
Honesty
Integrity
Trustworthiness
Fairness
Aim to Excel
Loyalty
Accountability
Compliance to Law
Areas of Expertise
Trusted Across Every Stage of Your Financial Life
From your first SIP to succession planning. 4 pillars of comprehensive financial advisory.
Goal-Based Wealth Solutions
- Equity Shares Advisory
- Smallcase for Budget Investors
- International Investing Options
- Mutual Funds / SIPs / PMS
- Tax-Free Retirement Funds
- AAA Rated Company FDs
- Stock Broking & Real Estate Advisory
Protection Solutions
- Life Insurance
- Health Insurance
- Accidental Insurance
- Business Insurance
Legacy Planning Solutions
- Future Asset Creation
- Grandparent Gifting Solutions
- Family Trusts & Offshore Trusts
- Wills, Probates & Succession
- Estate & Tax Planning
Business Solutions
- Innovative Tax Planning
- Indemnity Products
- Cyber Insurance
- Fidelity Insurance
- Debtors Insurance
- Group Medical / Life Insurance
- Housing Societies / Property
- Factory Insurance
- Standard Fire & Special Perils
- Under Construction Project Insurance
Knowledge Hub
Insights & Articles
Browse practical guides on investing, protection, and planning, then watch the latest commentary from Mr Dick Hosy Mody.
Protection 101: Deserving more attention than it is afforded.
Why adequate insurance belongs at the centre of every financial plan, and how to think about protection without the product-push stigma.
Investing 101: How, When And Where
A practical primer on the how, when, and where of investing, so your money works with purpose, not guesswork.
6 Lethal Impediments To Your Financial Independence
The psychological barriers that quietly derail financial plans, and how recognising them is the first step toward independence.
Asset Allocation
How to allocate hard-earned wealth across asset classes so your plan can meet goals through different market cycles.
Charts Speak
What market charts revealed during a vicious global meltdown, and why reading price action still matters for investors.
Government Schemes Everyone Should Know Of
Why planning for tomorrow is not optional, and how thoughtfully chosen long-term savings and protection schemes help.
Life Insurance For Silvers
Life insurance is not only for the young, how silvers can use cover for family security and long-term financial independence.
Mediclaims
If you have health, you have everything, a clear look at mediclaim cover and why medical protection belongs in every plan.
Introduction To Mutual Funds
An accessible introduction to mutual funds, what they are, why they matter, and how beginners can approach them thoughtfully.
Mutual Funds Made Simple
Cutting through scheme clutter and jargon, how SEBI's categorisation helps investors understand mutual funds more clearly.
Tax Planning For Silvers
Practical tax-planning ideas for silvers, retaining more of what you earn while staying aligned with long-term goals.
YouTube
Latest from Our Channel
Market commentary, retirement planning guidance, and portfolio insights, updated regularly.
Now Playing
BFF 24: Why SWPs may be a bad retirement planning idea
Introducing Smallcase
Curated Portfolios for Every Investor
Presenting more than 25 thematic portfolios curated and managed by our team with solid emphasis on fundamental research. Some of our early themes have ranked among the top 20 out of 700+ portfolios across peers.
Handpicked PSU Gems
Dominant, highly profitable and deeply undervalued PSUs
Min. Investment: ₹1,12,770
High Growth Emerging Leaders
Identifying future winners based on fundamentals
Min. Investment: ₹98,488
The Daring Defence Pack
A selection of stocks curated to benefit from the defence push in India
Min. Investment: ₹3,17,456
Bharat's Green Fields
A unique opportunity to invest in Bharat - our agricultural heartland
Min. Investment: ₹59,458
Investment in securities is subject to market risks. Please read all related documents carefully before investing. Performance data is maintained on the Smallcase platform.
How It Works
Your Next Step Towards Smart Investing
Share your details
Name, phone number and a brief overview of your financial goals.
Discovery call
In a 40–45 minute session we understand your needs, risk profile and objectives.
One-on-one consultation
Align your existing investments with clear, actionable financial goals.
Begin your journey
Manage wealth with expert guidance, active monitoring and ethical advice.
Global Presence
We are proud to serve our clients Globally
From North America to the Middle East and Asia-Pacific, investors across four continents trust Ethical Advisers, managed from our headquarters in Mumbai.
Our Esteemed Partners
Trusted Partners for Every Need
From wealth management and insurance to stock broking and legal services. India's most respected institutions under one roof. Tap any logo to learn more.
Contact
Let's Start a Conversation
Meet with Mr Dick Mody for a personalized discussion about your financial decisions, investment approach and long-term planning needs.
Book Your Consultation
45 minutes that can change your financial future.