Swapnil Kendhe

Swapnil Kendhe is the founder of VivekTaru and a SEBI-registered Investment Adviser who practices as a fixed fee-only financial planner. VivekTaru, a Marathi term meaning “The Wisdom Tree,” reflects his belief that wisdom lies at the core of sound investing and money management. His advisory philosophy is rooted in simplicity, pragmatism, and peace of mind, aiming to help individuals navigate personal finance without unnecessary complexity or stress.

He follows an education-first financial planning model, firmly believing that a financial planner’s primary responsibility is to educate clients about the fundamentals, principles, and practical realities of managing money. By helping clients organize their financial lives and align savings and investments with clearly defined goals, he empowers them to become confident and capable in managing their own finances over time. His work emphasizes clarity, discipline, and self-reliance rather than dependence on constant advice.

Swapnil’s investment approach is inspired by Benjamin Graham’s Defensive–Passive philosophy outlined in The Intelligent Investor. He focuses on building permanent, low-maintenance portfolios designed to withstand uncertainty and unfavorable outcomes, rather than chasing high returns or predicting the future. By prioritizing robust processes, time-tested principles, and avoidance of major mistakes, he helps clients achieve better long-term outcomes while keeping financial planning simple, resilient, and effort-free.