Cariya Advisor is an independent financial and business consultancy serving families and business owners in Indonesia. It helps clients organize their finances, manage investments, and grow their businesses through personal, transparent guidance rather than product sales. The firm offers family financial planning, including budgeting, emergency funds, education savings, protection, and home-buying goals.

Its investment advisory service helps clients consider options such as mutual funds, government bonds, stocks, and gold in line with their risk profiles. For small businesses and micro, small, and medium enterprises, Cariya Advisor provides support with cash flow, pricing, separating personal and business finances, loan preparation, and bookkeeping. It also advises on retirement planning and inheritance, including retirement income strategies, wills, and asset distribution.

Clients begin with a free 45-minute introductory session, followed by financial mapping, a written plan, and ongoing reviews every three months, with adviser access by chat. Services are available online, with in-person meetings offered in the Greater Jakarta area. Cariya says its advisers are certified and its fees are disclosed in advance