Financial services play a crucial role in how individuals plan, save, and grow their wealth. For many investors, these services act as a bridge between financial goals and real-world outcomes. As the industry has expanded with new products, tools, and advisory models, access has improved—but so has complexity.
This makes it increasingly important for investors to understand how financial service providers operate and what to expect from them.
Today, investors rely heavily on financial advisers for decision-making, portfolio management, and ongoing support. Since these decisions often involve long-term plans and personal savings, even small misunderstandings or gaps in communication can lead to delays, disputes, or financial stress.
But can an Investment Advisor share in profits? Clear information, transparent processes, and realistic expectations are essential for building trust and making informed choices over time. Let’s look in detail at 3Q Financial Services.
About 3Q Financial Services
3Q Financial Services LLP, now operating under the brand name 3Q Wealth or 3Q Private Wealth, is a SEBI-registered Investment Adviser (RIA). The firm is registered under the Investment Adviser category with SEBI Registration Number INA000020794, which authorizes it to provide regulated investment advisory services in India.
The firm operates as a boutique wealth management practice, focusing primarily on structured financial planning and long-term wealth building. Over time, its positioning has evolved from a general financial services firm to a more focused private wealth and advisory platform, reflecting its emphasis on comprehensive and personalized advisory solutions.
3Q Wealth is led by its founding team:
- Siddhesh Dandekar, Founder and Principal Partner
- Pratik Sengupta, Co-Founder
- Nilesh Dandekar, Co-Founder
The leadership team brings experience in wealth management and private banking, which shapes the firm’s advisory-led and client-centric approach. The company has offices in Mumbai and Pune and operates through approved domestic and international platforms for investment access.
3Q Wealth follows a client-focused and personalized advisory model, aimed largely at families and high-net-worth individuals. Its services include:
- Investment advisory and financial planning
- Private banking and wealth structuring support
- Portfolio management guidance
- Access to global investment opportunities through international platforms
- Mutual fund distribution through approved channels
The firm’s approach emphasizes careful planning, asset allocation, and tailored strategies aligned with a client’s financial goals, risk tolerance, and time horizon. As a registered investment adviser, it is required to provide proper disclosures, suitability assessments, and documented agreements before offering advice.
Like other regulated advisory firms, 3Q Wealth clearly states that all investments carry risk. The firm highlights common risks such as market risk and volatility, noting that price fluctuations are a normal part of investing—even in systematic approaches like SIPs.
As part of regulatory transparency, investor grievance data for the period ending December 2025 shows no registered complaint against the firm.
While this reflects a clean grievance record for the period shown, investors are still encouraged to remain informed and proactive in understanding advisory processes.
When Should an Investor File a Complaint Against an Investment Adviser?
An investor may consider filing a complaint against 3Q Financial Services (or any SEBI-registered Investment Adviser) if there is a clear mismatch between what was agreed upon and what is delivered. Such situations often arise after attempts to resolve issues directly with the adviser have not led to satisfactory outcomes.
SEBI provides a formal and structured grievance redressal mechanism to ensure investor concerns are recorded and reviewed fairly.
Common reasons an investor may file a complaint in RIA include:
- Services not being delivered as per the advisory agreement or documented plan
- Repeated delays or lack of response to queries, portfolio reviews, or advisory requests
- Lack of transparency around fees, unauthorised trading risks, or the scope and limitations of advisory services
- Advisory services are being provided without proper documentation, suitability assessment, or consent
- Dissatisfaction with how internal complaints are handled or with undue delays in resolution
- Suspected non-compliance with SEBI Investment Adviser regulations.
Conclusion
3Q Financial Services LLP, operating as 3Q Wealth / 3Q Private Wealth, is a SEBI-registered investment advisory firm offering structured financial planning and wealth management services. Its focus lies in personalized strategies, long-term asset allocation, and advisory-driven wealth solutions.
At the same time, investor awareness remains critical. Understanding the firm’s services, regulatory obligations, risks involved, and grievance mechanisms helps investors set realistic expectations and make informed decisions. Staying cautious, well-documented, and informed ultimately supports safer and more confident engagement with financial advisory services over the long term.
