B3 Wealth & Financial Planning

The wealth you've earned.
The future you deserve.

A professional financial planning partner — personal, independent advice combined with modern digital access.

Fee-only
No commissions. No product sales. No hidden incentives.
Independent
Not tied to a bank, insurer or fund. Conflict-free by design.
Plans first
A written financial plan — not a product pitch.
Why it matters

Most "advice" is a sale in disguise.

In Mauritius, financial guidance usually arrives attached to a product — a policy, a fund, a structured note — and the person advising you is paid when you buy it. That is not advice. It is distribution.

I.

Whose side are they on?

When the adviser earns a commission, the incentive sits with the product, not your goals. We remove the commission entirely — so the only thing we sell is our time.

II.

A plan, written down

Cash flow, debt, protection, savings and your real-life goals — organised into one clear, written plan you actually understand and can act on.

III.

Built for here

Mauritian incomes, the Rs, local tax and statutory realities, property and the house-build decisions, and the diaspora's cross-border questions.

We don't manage products. We help you make better decisions — with the same standard of care we'd want for our own family.

Every engagement starts the same way: understand your whole picture before suggesting a single thing. No jargon, no pressure, no upsell. If a plan is all you need, a plan is all you'll get.

Read our approach
The engagement

Three steps, no surprises.

01 — Discover

Understand

A structured conversation about your income, commitments, goals and worries. We listen first and map where you actually stand.

02 — Plan

Design

A written plan: cash-flow runway, debt and protection, savings priorities, and the trade-offs — costed in Rs, in plain language.

03 — Review

Revisit

Life moves. We revisit the plan on a cadence that suits you, so it stays true as your circumstances change.

Free · No sign-up · Nothing stored

Start with a number, not a sales call.

Two short tools that run entirely in your browser — nothing you type ever leaves the page. A clearer picture in two minutes, no email required.

Health Check

The Financial Health Check

Six numbers you already know, one honest score across the six dimensions of your financial life.

Take the check
Retirement Gap

The Retirement Gap

The state pension is a flat Rs 15,555 a month. See how far your own plan reaches — and how movable the gap is.

See your gap
More on the way

Built as we go

Tax and mortgage-affordability tools are next — added as we learn which questions matter most to the people we talk to.

Now taking introductory conversations — building toward our public launch

Start with a conversation, not a contract.

Tell us a little about where you are. If we're a fit, we'll suggest a first step — and if we're not, we'll say so.

Request an introductory conversation