Mrs. Uma Kumaravelan is a Certified Financial Planner and a member of the Financial Planning Standards Board, India since 2008. An experienced financial services professional with over two decades of experience in the distribution of life and non-life insurance, mutual funds as also fixed income products, Uma believes that individuals should be actively involved in the development of their financial plan. Over years, she has built a solid reputation for commitment to providing professional advice, devising customized financial plans for individuals as well as families. Apart from being a Promoter at LRU Management Services Pvt. Ltd., Uma is also the Founder and Financial Mentor of Oak Tree Financial Planning, its located at Hiranandani Gardens, Powai, Mumbai, India.

Ravi Vyas is a seasoned HR professional with over a decades experience in Recruitment and Learning (Human Resources) with companies like Genpact, Lehman Brothers (Nomura), and JP Morgan Chase. A Chemical Engineer and a Post-Graduate Diploma holder in Business Administration, he is also an AMFI Certified Mutual Fund Distributor. In addition to being a Director at LRU Management Services Pvt. Ltd., Ravi is also a passionate long distance runner and a co-founder of a recruitment mobile app called Multplyr.

Lakshmi Vishwanath

Director

A counselling psychologist working with children and adults, she brings a life-enthusiast’s perspective grounded in empowered coexistence and human inclusivity. She emphasizes the role of a healthy mind in enabling sound, balanced decisions in finance, career development, and relationships.

S. Kumaravelan

Director

S. Kumaravelan has 39 years of experience in the General Insurance industry and holds a Master’s degree in Economics. He has handled key responsibilities across important functions, bringing depth and perspective to his role. His philosophy is rooted in need-based, unbiased advice, aligned with each client’s risk profile and life stage. At Kalpaviruksha, he upholds values of integrity, prudence, and long-term thinking.