Concept imagery
Your business was built to grow. Your wealth must be built to last.
BUSINESS CAPITAL · PERSONAL INDEPENDENCE · FAMILY CONTINUITY
A clearer path for your wealth.
Assess the whole picture. Reframe the priorities. Coordinate the next step.
See what the balance sheet leaves out.
Map the connections between your business, accessible personal capital and the people who depend on you.
The focus: business dependence, liquidity, protection and the gaps that deserve attention.Discuss my wealth picture
Give each part of your capital a job.
Separate what the enterprise needs from what your family needs. Connect the gaps to purpose, time horizon, access and ownership.
The focus: a sequence of priorities and the questions that need deeper professional review.Discuss my priorities
Move forward with clear responsibilities.
Agree the next workstream, the appropriate professional or authorised provider, and the scope and terms before implementation.
The focus: practical next steps, accountable roles and review points as your circumstances evolve.Discuss my next step
Consultation led, today. Your diagnostic takes place through a conversation with CA Sanjay. You can speak with us directly without completing an online assessment.
A valuable business.
A different wealth question.
The starting point is the life your capital needs to support. Explore the questions that matter to you.
Wealth MRI is a guided diagnostic conversation. Specific investment, tax and legal decisions require the relevant professional or authorised provider.
01 How much of your wealth depends on one business?
Look beyond company value to ownership, accessible personal capital, concentration and commitments.
02 What supports your family if you step back?
Examine liquidity, recurring needs, liabilities, existing protection and the questions that need attention.
03 Do your investments have a connected purpose?
Relate each part of your capital to a time horizon, access need and family priority before considering the appropriate route.
04 Is the next generation prepared for the next chapter?
Bring ownership, continuity and decision-making into the conversation, with specialist review where required.
A founder’s experience.
A promoter’s perspective.
CA Sanjay Ray Chowdhury co-founded and exited RussAir. His perspective comes from living the questions of cash flow, reinvestment, ownership and what comes after a business.
CA Sanjay Ray Chowdhury
Chartered Accountant · Founder, Niel N Ray Capital
Have a specific requirement? Start there.
A clearer beginning.
What is the NNRC ARC?
ARC means Assess, Reframe, Coordinate. It is a simple way to understand NNRC’s Promoter Wealth Architecture approach: see the whole picture, connect priorities and establish the appropriate next steps.
Is Wealth MRI an online tool?
Today, Wealth MRI is delivered as a guided diagnostic through a consultation with CA Sanjay. An online self-assessment is not currently offered here. You can request a conversation directly.
What happens after the diagnostic?
The next step depends on the questions identified. We clarify the relevant workstream, professional or authorised provider, service scope and terms before you decide how to proceed.
Your business has a plan.
Give your wealth a clearer path.
Bring the question that is on your mind. Begin with a conversation about the life you want your capital to support.
Scope, responsibilities and risk
Niel N Ray Capital is the trade name of a sole proprietorship of CA Sanjay Ray Chowdhury. Financial products and regulated services are accessed through the applicable authorised distribution, referral or execution arrangement, with the responsible entity or individual and the relevant terms identified before proceeding.
This website describes Niel N Ray Capital’s approach and provides general information. It is not personalised investment, tax or legal advice. Regulated services, product distribution or referral, execution and professional advice are subject to the applicable authorisation, eligibility, suitability and engagement terms. NNRC and other service providers retain their respective responsibilities.
Investments are subject to market risks, including loss of capital. Past performance does not assure future results. Tax treatment and legal structures depend on applicable rules and individual circumstances. Insurance cover and benefits depend on the relevant policy terms and conditions.
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