Finsship is led by a trio of specialists, each mastering a unique but interconnected domain of personal finance - Wealth Management, Insurance & Equity, and Financial Therapy. Together, they create a truly 360° experience for individuals, families, and business owners.
With over 20 years of experience, Emthiyas specializes in managing complex, multi-generational portfolios with a structured and strategy-led approach. Having navigated multiple market cycles, he works closely with high-net-worth individuals, NRI families, and business owners to design investment strategies that balance growth, risk management, tax efficiency, and long-term legacy creation.
His expertise is further strengthened by certifications in portfolio management services and specialized investment fund structures, enabling him to handle sophisticated investment portfolios with clarity, discipline, and precision.
Chartered Wealth Manager (CWM)
NISM Certified - Portfolio Management Services (PMS)
NISM Certified - Specialized Investment Funds (SIF)
Tax Planning Specialist
Estate & Legacy Advisor
Strategic Asset Allocation & Portfolio Structuring
Retirement, Succession & Legacy Planning
Shari'ah-Compliant Investment Structuring
Wealth Transfer, Trust & Estate Planning
NRI & Global Investment Structuring
He believes that wealth management is not about chasing returns, but about creating clarity, discipline, and continuity across generations.
"Real wealth is not just what you earn - it's what you preserve, grow, and pass on with purpose."
Khadeejah plays a key role in integrating financial decision-making with human behavior. She combines her expertise in wealth management with deep insights into behavioral finance to help individuals and families make more confident, disciplined, and goal-aligned financial choices. She works closely with clients to understand how emotions, beliefs, and past experiences influence money decisions-enabling them to overcome financial anxiety, break limiting patterns, and build long-term financial clarity.
Financial Therapy Practitioner
Behavioral Finance Educator
NISM Certified (Mutual Fund & Investment Services)
Behavioral Finance & Decision Making
Wealth Discipline & Investment Behavior
Emotional Relationship with Money
Financial Clarity for Individuals & Families
Money Conversations for Couples
Women & Family Financial Wellness
She believes that sustainable wealth is not built only through products or returns, but through consistent behavior and the right mindset.
"Your financial future is shaped more by your behavior than your income. When you change how you think about money, everything else follows."
Ramiya is a qualified Chartered Accountant with over 12 years of experience in finance and taxation, including 7 years of post-qualification expertise. A graduate in Commerce, she became a CA in November 2017 and has since helped numerous individuals and businesses navigate the complexities of income tax and statutory compliance.
Tax Strategist
Compliance Specialist
Trusted Advisor
Income Tax Advisory & Compliance
Capital Gains Tax Planning
Regulatory & Statutory Compliance
Ramiya is known for her meticulous approach and ability to simplify complex tax matters, making her a trusted advisor to clients seeking both clarity and compliance.
She supports Finsship Wealth as an external advisor , contributing her expertise in tax strategy and compliance to empower better financial decisions.
