Sumeet Ganju, Founder of InverseWealth
Fee-only, fiduciary financial advice for households serious about building and protecting wealth. The quality once reserved for the ultra-wealthy, made accessible.
Why InverseWealth Exists
Most financial advisors require $1 million or more in assets before they’ll take a meeting. Everyone below that threshold gets told to come back later, or gets handed a target-date fund and a quarterly statement.
Over the course of his career, Sumeet watched smart, successful people make costly financial mistakes, not because they lacked the intelligence to do better, but because they lacked access to a trusted advisor who would give them an honest, complete picture. The gap between what most people receive from their financial advisor and what is actually possible is almost always larger than they realize.
InverseWealth was built on a different belief: households with $100,000 or more in assets deserve the same quality of advice that has always been available to the ultra-wealthy. Not simplified advice. Not passive portfolios dressed up as planning. The real thing: active risk management, tax-efficient structuring, and a genuine fiduciary relationship built around their actual situation.
Good financial advice shouldn’t be a luxury. It should be accessible to anyone serious about building and protecting wealth.
A Different Philosophy
Most advisory practices run the same playbook: a diversified mix of index funds, rebalanced occasionally, held forever. It is a serviceable approach. It is also the same approach for everyone, regardless of their goals, tax situation, income structure, or risk tolerance.
InverseWealth starts from the other direction. Every client has a different financial life with different income sources, different tax exposures, different timelines, and different definitions of financial security. The job of a good advisor is to understand that complexity and build around it, not paper over it with a model portfolio.
That means active investment management designed to grow wealth in strong markets and protect it when conditions shift. It means tax planning that runs throughout the year, not just in April. It means using the full range of available strategies, including retirement planning, benefits maximization, tax-efficient structuring, and estate coordination, rather than defaulting to whatever is simplest to administer.
Fee-only means no commissions, no insurance products, no referral arrangements. AUM fees for investment management, flat fees for financial planning advice. The structure is designed so the advice is always in the client’s interest.
The Person Behind the Firm
Sumeet Ganju founded InverseWealth after a decade as a product and technology leader at high-growth companies including eMeter, Showpad, and Mixmax. That background shapes how he works: analytically, from first principles, with a preference for specificity over generalization.
InverseWealth is registered as a California fee-only RIA (CRD 333749) and operates under the fiduciary standard, which means a legal obligation to put client interests first, backed by a fee structure designed to keep it that way.
Who InverseWealth Serves
InverseWealth works with a wide range of clients: business owners, professionals across industries, and anyone at a point in life where thoughtful financial planning can make a material difference. The common thread is not income level or profession. It is a seriousness about building wealth intentionally, and a recognition that generic advice is not going to get them there.
Retirement planning, tax strategy, benefits maximization, and business owner planning are the building blocks of sound financial lives for professionals in every industry, and they deserve the same rigor and attention.
A Natural Fit for Tech Professionals
While InverseWealth serves clients across industries, the practice has deep roots in the tech community. Many clients are senior operators at big tech companies like Meta, Coinbase, and Block, as well as high-growth startups, many holding $500K to $5M in a single concentrated position.
Most concentrated-stock tax bills are larger than they need to be. The strategies that lower them are domain-specific and time-sensitive, and most generalist advisors default to a one-size answer of “diversify slowly.” InverseWealth was built to give that work a specialist instead.
Equity compensation, concentrated positions, liquidity events, and the specific tax complexity that comes with them are areas of deep expertise. For clients navigating RSU vesting, ISO exercises, ESPP exposure, or a pre-IPO liquidity window, that specialization makes a material difference.
Thirty minutes. No obligation. A straight answer on whether InverseWealth is the right fit.