Supporting Investors, With Purpose
Your wealth deserves ethical attention
Unbiased, ethical financial advice from Dick Hosy Mody — 30+ years of global equity markets experience, tailored to your goals.
SEBI Registered — INA000007818
Meet Your Wealth Manager
Dick Hosy Mody: The Man Behind the Numbers
Ethical Advisers is the brainchild of 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.
All India Merit Ranks in Chartered Accountancy Exams & qualified Company Secretary
30+ years across Mumbai, London, New York, San Francisco & Florida with JP Morgan, Morgan Stanley, Deutsche & Raymond James
Executive Director — Head of Sales for North America & UK regions at top global investment banks
“True wealth is not built by chasing opportunities — it is built through disciplined decisions, patient investing and a vision that extends beyond market cycles.”View Dick Mody's detailed CV on LinkedIn →
Our Core Ethos
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.
Areas of Expertise
Trusted Across Every Stage of Your Financial Life
From your first SIP to succession planning — 3 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
Knowledge Hub
Insights & Articles
Browse practical guides on investing, protection, and planning — then watch the latest commentary from Dick Hosy Mody.
Swipe to explore 11 articles
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
25+ high-performance, pocket-friendly thematic portfolios curated by Ethical Advisers. Some of our early themes have ranked among the top 20 out of 700+ portfolios on an All India basis.
ETF Powerpack for Beginners
Min. Investment: ₹6,110
The Dependables! Theme
Min. Investment: ₹1,22,743
Health is Wealth Theme
Min. Investment: ₹1,60,960
India's Tech Titans Theme
Min. Investment: ₹2,67,621
Pocket Money Investing
Min. Investment: ₹49,538
Dividend Advantage Fund
Min. Investment: ₹1,93,959
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.
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 Dick 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.