Our Purpose
To help individual investors make better financial decisions and build long-term wealth with clarity, confidence, and discipline.
Who are we?
Since its inception over 15 years ago, MoneyWorks4Me has been a fiduciary research and advisory firm committed to helping individual investors succeed.
We have refined the 'Partner-with-Expert' approach to investing and developed the tools and insights that give you both a research and behavioural edge—ensuring the wealth compounding formula works for you at its highest potential.
Our History
MoneyWorks4Me was not born out of a grand plan, but a personal experience.
In 2008, after receiving poor advice and disappointing outcomes while investing in mutual funds and ULIPs through a
reputed MNC bank, our founders—who had been running a business consulting and training firm in Pune since
2000—recognized a pressing need: to make wealth creation through investing both safe and simple for retail investors
like themselves.
The journey turned out to be more challenging than expected. Simplifying equity investing and making it truly safe proved to be complex. The market's extreme swings—from despair to euphoria—posed constant tests, but also offered valuable opportunities to refine and validate our investment models.
Over time, MoneyWorks4Me has continuously evolved its approach and solutions to meet the diverse needs of individual investors. With the launch of Omega, our premium investment advisory service, we’ve delivered on our founding promise: to make investing Safer, Smarter, and Simpler.
What guides us
Our Purpose, Mission, Vision & Values
Our Mission
To make successful investing safer, smarter, and simpler by combining independent research, fiduciary guidance, practical technology, and investor education.
We aim to help investors understand their choices, make well-reasoned decisions, and remain focused on the long-term actions that matter most.
Our Vision
To become India’s most trusted research-powered fiduciary advisory firm—where every investor can make calm, informed, and confident financial decisions.
The principles we practise
Our Values
Client Success
Our clients’ interests come first. We measure our success by the clarity, confidence, and long-term progress we help them achieve.
Integrity
We act honestly, transparently, and responsibly. Our guidance is grounded in evidence and guided by our fiduciary responsibility.
Simplicity
Investing can be complex, but the decisions should be understandable. We simplify information without overlooking what matters.
Independent Thinking
We rely on disciplined research and sound reasoning—not market noise, popular opinion, or short-term predictions.
Long-Term Perspective
We believe lasting wealth is built through patience, sensible decisions, appropriate risk management, and the power of compounding.
Partnership
We work alongside our clients. We explain our thinking, listen carefully, and help investors remain informed and in control of their financial decisions.
Continuous Improvement
Markets, technology, and investor needs continue to evolve. We keep learning, testing, and improving our research, processes, and client experience.
Our Team
Our Founders
Raymond Moses
Co-founder
Raymond Moses, a Chemical Engineer from IIT Kanpur, brings 40+ years of experience working with HUL, Castrol and business consulting. His career journey—from running factories to leading sales and marketing, consulting industry leaders, and analyzing businesses—has shaped his deep understanding of what drives business success.
After bad experience of investing through services of an MNC bank, in 2008, he with his cofounder, established MoneyWorks4Me to empower retail investors with research and behavioral guidance. Passionate about financial freedom, he authored How the Heck to Invest and Reach Nirvana, guiding investors toward wealth creation.
Sreeram Thiagarajan
Co-founder
Sreeram Thiagarajan, a graduate from REC Trichy and an MBA from IIM Ahmedabad, brings over 37 years of experience in sales, marketing, training, and consulting. His career spans roles at Castrol, First Energy, and co-founding The Alchemists Ark in 2000, a company focused on business transformation through consulting and training.
After a poor investment experience in 2008, Sreeram, alongside his co-founder, founded MoneyWorks4Me to make wealth creation accessible and transparent for retail investors. Sreeram’s expertise in understanding businesses and clients plays a crucial role in shaping MoneyWorks4Me.
Our Team Leaders
Atharva Bhide
VP & Principal Officer- Investment Advisory
Atharva is a CFA® charterholder from the CFA Institute, USA, and holds a BE in Production Engineering from Mumbai University. He leads a team of advisors dedicated to partnering with clients on their journey to financial freedom through successful investing. He is committed to building lasting partnerships, creating generational wealth, and safeguarding family legacies.
Rupesh Raj
Vice President - Business Development
Rupesh holds a PGDM in Finance and has been with MoneyWorks4Me for over nine years, leading a team of Investment Counselors and Advisers. He believes equity investing accelerates financial freedom like no other asset. Committed to his clients’ success, he treats their challenges as his own until they are resolved.
Yog Rajani
Senior Equity Research Analyst
Yog Rajani brings over five years of distinguished experience in the investment industry, having contributed to some of India’s most esteemed Portfolio Management Services. Driven by an early passion for Equity Investing, Yog has dedicated his career to identifying businesses capable of delivering asymmetric, long-term returns. He holds a BBA in Finance with distinction from Pune University and has successfully cleared CFA Level II.
Research
The Research Team
Tushar Raghatate
Senior Equity Research Analyst
Tushar Raghatate has over four years of experience focused on the midcap and small cap space. He possesses a keen eye for identifying emerging opportunities in under-researched companies. He completed his bachelor’s in Civil Engineering from Sinhgad College of Engineering, Pune and his MBA in Finance from Neville Wadia College, where he graduated with distinction. He is also a CFA Level II candidate.
Divyesh Trivedi
Equity Analyst
Divyesh has completed his B.Com from Gujarat University and holds an MBA from the Pune Institute of Business Management. He is also a NISM-certified Research Analyst. His deep curiosity for financial markets combined with a structured approach to analysis, fuels his ability to uncover valuable insights.
Advisory
The Advisory Team
Mukta Vaze, CFP®
Manager - Investment Advisory
Mukta is a Certified Financial Planner and an MBA-Finance graduate from the University of Pune with over eight years of experience. Known for her strong client relationships, she Professionally and diligently addresses client queries and helps them achieve their financial goals.
Pranay Bhatia
Assistant Manager - Investment Advisory
Pranay holds a MBA in Finance from FLAME University and is currently enrolled in the CFA Program. He helps our clients create a fundamentally strong portfolio, guiding them towards their financial goals with confidence.
