About Clarity Financial Consultancy
At Clarity Financial Consultancy, we believe that good financial advice should be simple, honest, and built around your life—not a one-size-fits-all model. Whether you’re planning your future in India or securing your assets in Dubai, we bring clarity to every decision you make. Our team helps individuals, families, and businesses create smarter plans for saving, investing, and protecting what matters most.
+971-569641607Who We Are?
Clarity Financial Consultancy was founded by Dr. Rafiya Mushtaq, a highly experienced financial consultant dedicated to helping individuals, families, and businesses build a secure financial future. With over 10 years of experience across the UAE and India, she offers clear and practical guidance tailored to each client’s goals.
Every person deserves a clear and personalised path to financial wellbeing, and my mission is to help you build it with confidence and purpose.
Dr. Rafiya holds an MBA and the ICWIM certification from the Chartered Institute for Securities and Investment (CISI). Her experience in insurance, investment planning, and long-term financial strategy shapes the personalised solutions she creates.
Testimonials
The services provided were exceptionally good. Dr. Rafiya Mushtaq and her colleagues are one of the best financial advisors in
Read full testimonialI strongly recommend Rafiya What a refreshing difference to past experience with other financial consultants, she did not try to
Read full testimonialProvided me a tailor made solution "Appreciate the fact that Rafiya takes the time to get to know what is
Read full testimonialOur Mission
At Clarity Financial Consultancy, our mission is simple: to help you make smarter financial decisions without complexity or confusion. We believe everyone—regardless of income, location, or experience—deserves access to honest, clear, and actionable financial advice.
We start by listening. Whether you’re a salaried professional in Mumbai, a business owner in Dubai, or an NRI managing finances across borders, your story matters. Your goals, responsibilities, and comfort with risk shape every recommendation we make.
Here’s how our mission comes to life:
- We simplify financial language so you understand what you’re signing up for
- We provide unbiased advice, not driven by product sales
- We build personalized plans around your goals, lifestyle, and life stage
- We guide you continuously, not just at the start
- We work transparently, so you’re never left guessing
- We focus on results, so your progress is clear and measurable
What We Do
At Clarity Financial Consultancy, we provide complete financial planning services that evolve with your life.
Whether you’re just starting your savings journey or protecting your assets for the next generation,
we build solutions that match your goals, income, and lifestyle.
Saving and Investment Plans
We help you structure monthly savings, build investment portfolios, and balance risk with growth—
so your short-term and long-term goals stay on track.
Term Life and Health Insurance
Protect what matters most with coverage tailored to your family, income, and future responsibilities.
We advise on the right plans—not just the biggest ones.
Tax-Efficient Planning
Whether you earn in INR, AED, or both, we help you minimize tax impact and maximize legal savings
through personalized, compliant strategies.
NRI and Expat Advisory
If you’re managing finances across borders, we offer guidance on currency planning, offshore investing,
and regulatory alignment in both India and the UAE.
Retirement and Wealth Management
From pension mapping to legacy planning, we structure your assets to deliver long-term income,
asset growth, and peace of mind post-retirement.
Business Protection & Risk Coverage
For business owners, we provide financial continuity strategies—keyman insurance, buy-sell arrangements,
and debt protection planning—so your business remains stable even in uncertainty.
