Cariya Advisor is an independent financial and business consultancy serving families and business owners in Indonesia. It helps clients organize their finances, make informed investment decisions, and build stronger businesses through personal, transparent guidance. Its services include family financial planning, covering budgets, emergency funds, insurance protection, education costs, and home-buying goals; investment guidance across mutual funds, government bonds, shares, and gold; and business and UMKM consulting on cash flow, pricing, bookkeeping, separating household and business money, and preparing for business financing. The firm also offers retirement and inheritance planning, including retirement needs, asset distribution, and wills.

Cariya’s process begins with a free 45-minute introductory session, followed by a review of the client’s financial situation and a written plan with priorities and monthly steps. Ongoing support includes quarterly reviews and access to an adviser. The firm says it does not sell financial products or earn product commissions, and explains fees in advance. Consultations are available online, with in-person meetings offered in Jabodetabek.