Tailored strategies for secure growth, smart savings, and a worry-free retirement.
Earning more is not enough. Your money also needs a plan. Whether you are a salaried employee or a business owner, we help you save tax, invest well and plan for retirement.
Build extra income from rent, a side business or investments.
Grow your money and pay less tax, legally.
One advisor for tax, investments, insurance and retirement.
CA Jyotika N. Rai has 15+ years of experience and works with you personally.
A plan for your goals, retirement, children.s education and insurance.
Learn moreInvestments chosen for your goals and how much risk you can take.
Learn morePick the right tax regime and use every deduction you can.
Learn moreYour income tax return filed correctly and on time by a CA.
Learn moreWe check your funds and stocks and tell you what to keep or change.
Learn moreTax, investments and money transfers for NRIs and people moving back to India.
Learn moreMoney and tax sessions for your employees, plus one-to-one help.
Learn moreWe talk about your income, family, goals and current investments.
A CA checks your spending, tax, insurance and investments.
You get a clear written plan with simple next steps.
We help you put the plan in place and review it every year.
Chartered Accountant by profession, Financial Mentor by choice - Jyotika N. Rai is the visionary founder of Wealth and Beyond, established in 2012. Her journey into the world of personal finance began with a deep desire to help individuals and families make informed, confident financial decisions.
Over the past decade, Jyotika has guided hundreds of clients toward financial clarity and balance. An active member of COWE (Confederation of Women Entrepreneurs), she has earned over 30+ accolades for her outstanding contributions to the field. She has been invited as a panelist at ICAI , and regularly conducts lectures and workshops on personal finance across professional platforms and business management colleges - driven purely by her passion for financial literacy.
Beyond her role at Wealth and Beyond, Jyotika is a Senior Partner at MGA & Associates , a leading tax and accounting firm, and serves as the Executive Director at Panchatatva Cosmetics. A fitness and beauty enthusiast, she believes that well-being extends to every aspect of life - including financial health. Jyotika views money management as a journey of purpose and awareness, not just numbers. She is on a mission to empower families to create a financially secure and fulfilling tomorrow.
Her guiding belief: "Financial freedom begins when you align your money with your life's purpose."
Finance Outlook India has named Wealth & Beyond one of the Top Wealth Management Companies – July 2026.
The feature, “Building Financial Confidence via Personalized Wealth Advisory”, talks about how we help people and families plan their money, save tax and build wealth over time.
CA Jyotika Rai runs money and tax sessions for companies and colleges, in person and online. Watch clips from some recent sessions.
Real experiences from individuals who achieved financial success with Wealth & Beyond
Get answers to the most common questions about financial planning and our services
Still have questions? We're happy to help!
Book a meeting with CA Jyotika N. Rai. Meet us in Mumbai or Nagpur, or talk online.
This website is for informational purposes only and complies with ICAI guidelines. Client confidentiality is strictly maintained.
