2023–Present
Principal Advisor & Founder | FinMurthyRaksha
Designing structured, future-ready financial plans for professionals and HNI families.
Financial Risk Engineering
Building Financially Secure Families with Engineering Precision
Helping Civil Engineers, Professionals & Business Leaders protect their families, prepare for retirement, and create lasting financial legacies.
35+ Years of Engineering Risk Management Applied to Family Financial Protection
35+
Years of Leadership Experience
Civil Engineer
Turned Financial Risk Advisor
Founder
FinMurthyRaksha
About
From Construction Engineering to Financial Risk Engineering
Three decades of building structures revealed a deeper truth: many successful professionals leave their families financially exposed. FinMurthyRaksha exists to close that gap — with engineering precision.
For over 35 years, I worked across high-rise, residential, commercial and institutional projects — handling execution, managing teams, controlling costs, and engineering risk out of every structure we built. I learned that strong buildings are not built on hope. They are built on calculation, redundancy and disciplined risk control.
Along the way, I noticed something quietly alarming: many professionals build successful careers but leave their families financially vulnerable.High income, low protection. Strong career, fragile foundation.
Today, as Founder of FinMurthyRaksha, I apply the same engineering logic to family finance — structured diagnosis, risk mapping and adequate protection. No product pushing. No assumptions. Just clarity on where your family truly stands.
Strong buildings are the result of calculation, redundancy, audits and disciplined supervision. I apply that same diagnostic discipline to family finance: identify underinsurance, structure adequate life and health protection, and build long-term safety with measurable clarity.
“Many engineers build strong careers — yet their family's financial foundation remains weak. High income does not automatically mean financial security.”
No product pushing. No assumptions. Only structured, logic-based financial diagnosis — because financial planning is not guesswork. It is risk engineering.
Senior leadership at Brigade & Nitesh Estates
Founder, 72° Construction Consultancy
Principal Advisor, FinMurthyRaksha
BE Civil Engineering, R.V. College Bangalore
Professional Journey
35+ years of professional experience
2021–Present
Founder & Principal Consultant | 72° Construction
Providing Project Management Consultancy across high-rise, residential, commercial and institutional projects.
2015–2021
Senior DGM – Engineering | Brigade Enterprises Ltd.
Senior leadership across landmark Bengaluru developments.
2010–2015
DGM | Nitesh Estates Ltd.
Execution and delivery of premium residential and commercial spaces.
2008–2010
DGM | Divyashree Infrastructure Pvt. Ltd.
Involved in the development of a Special Economic Zone (SEZ) project.
1989–2008
Senior Project Engineer | Sri T. R. Rajan, Civil Contractor
Completed 16 projects from inception through successful handover.
Education
Bachelor of Engineering (Civil Engineering)
R.V. College of Engineering, Bengaluru.
Foundation in structural thinking and disciplined engineering practice.
Approach
How a Financial Risk Engineer works
Calculate your Financial Protection Score
Identify hidden risks and underinsurance
Structure adequate life & health protection
Build long-term financial safety with clarity
Review periodically — like a structural audit
Communicate everything in plain, transparent language
Services
Six engineered pillars of family protection
Each service is a structured intervention — diagnostic-led, transparent, and tailored to the real risks your family carries today.
Family Financial Security
Protect your family's lifestyle, education goals and long-term continuity even in your absence.
- Income replacement planning
- Liability protection
- Goal-linked coverage
Health Risk Protection
Structured health coverage that absorbs medical uncertainty without disrupting wealth.
- Family floater design
- Critical illness layering
- Top-up & super top-up strategy
Retirement Planning
Build sustainable, inflation-aware retirement income that preserves your dignity.
- Corpus modelling
- Income stream design
- Longevity risk protection
Legacy Creation
Architect wealth transfer so your family's continuity is engineered, not improvised.
- Generational wealth strategy
- Nomination & beneficiary review
- Estate-ready structuring
Financial Protection Score
A structured, no-cost diagnostic of how prepared your family actually is today.
- Risk surface mapping
- Coverage adequacy score
- Action priority report
Insurance Gap Analysis
Identify underinsurance and hidden financial risks before life forces them open.
- Existing policy audit
- Need-vs-have gap
- Replacement / restructure plan
Not sure which service fits? Start with the diagnosis.
Begin with a complimentary Financial Protection Score. No cost. No obligation. Just clarity on where you and your family stand today.
Calculate Your Financial Protection ScoreWhy Work With Me
Financial planning is not guesswork. It is structured risk engineering.
01
35+ Years of Risk Management
Three decades of engineering high-stakes projects, now applied to family finance.
02
Engineering-Based Analysis
Logic, structure and diagnostics — never guesswork or product pushing.
03
No Product Pushing
Diagnosis first. Recommendations only when they actually solve a risk.
04
Personalized Guidance
Every family is engineered differently. So is every plan.
05
Long-Term Relationship
An advisor who reviews, adapts and stays the course with you.
06
Clarity Over Confusion
Plain language. Transparent structure. Decisions you fully understand.
Ideal Clients
Built for those who carry real responsibility
Civil Engineers
Project Professionals
Business Owners
Working Families
Senior Professionals
High-Responsibility Individuals
Voices
Trusted by Professionals Who Value Structure Over Guesswork
Real conversations with professionals and families seeking clarity, protection, and long-term financial confidence.
As an engineer, I was careful in planning projects and investments, but I had honestly never calculated what would happen to my family if something happened to me. Mr. Murthy helped me see the gaps very clearly. The discussion felt practical and straightforward — not like a sales meeting.
Prakash H.
Senior Site Execution Manager · Bengaluru
We already had insurance policies, but we never knew whether they were actually enough. Mr. Murthy patiently explained where we were exposed and what needed attention first. What I appreciated most was that there was no pressure — only clarity.
Shilpa R.
IT Professional & Parent · Bengaluru
For the first time, someone explained financial planning to us like building a long-term system instead of buying products one by one. The conversation made us think differently about protecting the next generation.
Anand S.
Family Business Consultant · Mysuru
Running a business always comes with uncertainty, and I realized my family's financial protection was weaker than I assumed. Mr. Murthy helped simplify things and showed us where the real risks were. That gave me confidence.
Ravi K.
Manufacturing Business Owner · Ramanagar
Take the First Step
One Conversation Can Change Your Family's Financial Future
No obligation. No product pitch. Just a clear, engineered picture of where you stand today — and what it takes to make your family truly secure.
Direct lines
Reach out the way that suits you best. I personally respond.
Phone
+91 97435 35999
WhatsApp
Chat instantly
Email
srinivasa@finmurthyraksha.com
LinkedIn
Er. Srinivasa Murthy B S
Based in
Greater Bengaluru, India