Meet Vrishin Subramaniam, CFP®

Vrishin Subramaniam, CFP® (he/him), is a seasoned financial consultant and founder of CapitalWe, a firm focused on empowering young professionals, especially immigrants, to achieve financial independence. Born and raised in New Delhi, India, Vrishin moved to the United States at the age of 17 to pursue his studies at the University of Illinois at Urbana-Champaign. After graduating in 2014, he faced the stark realities of the Bay Area job market—navigating high living costs and financial uncertainty, even with a tech role in hand.

This experience sparked his passion for financial optimization and the FIRE (Financial Independence, Retire Early) movement. Realizing that many young professionals faced similar financial hurdles, Vrishin launched CapitalWe to help others alleviate financial stress and make confident money decisions. He aims to bring a fresh approach to financial planning—eschewing the traditional suit-and-tie mentality while focusing on practical solutions for real-life challenges. Now based in Arlington, VA, with his wife Sharanya, Vrishin continues to blend his love for adventure, including scuba diving, with his mission to guide clients through life's financial milestones.

As featured in…

 Frequently Asked Questions

  • You deserve a financial partner who understands the unique challenges and opportunities you face as an immigrant. At CapitalWe, we focus specifically on the needs of young professionals navigating life in the U.S. on visas or Green Cards. Our approach is rooted in transparency, practicality, and a deep understanding of the immigrant experience. We don’t push products or follow cookie-cutter advice; instead, we craft personalized strategies that align with your life goals. Most importantly, we’re here to be your objective guide, providing clarity and confidence as you navigate your financial journey.

  • The people who receive the most value from CapitalWe are Indian immigrants who have been in the U.S. for over 10 years, often working as tech professionals on H1B visas. Our ideal clients are typically earning $250K+ individually or $400K+ as a couple and are navigating the complexities of building wealth, raising a family, and planning for the future.

    While we don’t enforce strict asset minimums, our focus is on aligning with your goals and values. If you're in a significant life transition and want an advisor who understands the unique challenges and opportunities you face, CapitalWe is here to support you.

  • Absolutely! We are set up to work with clients nationwide. We offer virtual meetings and flexible scheduling, so no matter where you are, you’ll receive the same dedicated, personalized service. Many of our clients appreciate the convenience of remote consultations, allowing them to connect with us from anywhere.

  • CapitalWe is a fee-only firm, which means we get paid solely by you—no commissions, kickbacks, or hidden charges. Our fees are straightforward: 1% of assets under management (AUM) or a custom financial planning fee based on your income and net worth. This structure ensures that our advice is aligned with your best interests and covers all aspects of your financial life, without any conflicts of interest.

  • Our process begins with two introductory meetings to see if we’re the right fit, where we discuss your goals and gather details about your financial situation. From there, we’ll organize your finances under one platform, collaborate to clarify your goals, and deliver a personalized plan—complete with a video walkthrough for you to review at your own pace. We then help keep you on track with quarterly check-ins, task management, and updates to your plan as your life evolves. For a detailed look, see our process page.

  • Absolutely, and many people start by managing their finances on their own. But the real question is whether you want to handle every aspect yourself—from investment strategy and tax planning to staying on top of changing financial laws. Working with us gives you an objective, expert partner who brings tailored advice, time-saving strategies, and peace of mind.

Let’s talk money.

  • Personal CFO

    $5000/yr

    All-inclusive, ongoing financial planning and support, covering investment management up to $500,000.

    ✔ Portfolio Management

    ✔ Tax Filing & Strategy

    ✔ Advisor Check-ins (Unlimited)

    ✔ Insurance Guidance

    ✔ Financial Freedom Planning

    ✔ Budget/Debt Support

    ✔ Estate Planning (Trusts/Wills)

    ✔ College Savings

    ✔ Workplace Benefits Advice

  • Investment Advisor

    Up to 1% of Assets Under Management

    A long-term, trust-based approach to managing and growing client wealth. Fees scale down as asset levels increase.

    ✔ Portfolio Management

    ✔ Advisor Check-ins (Quarterly)

    ✔ Financial Freedom Planning

  • Consultation on Demand

    $125 / 15 mins

    Commitment-free advice on specific topics.
    Pick one of the following:

    ☐ Portfolio Management

    ☐ Advisor Check-ins

    ☐ Insurance Guidance

    ☐ Financial Freedom Planning

    ☐ Tax Strategy

    ✔ Budget/Debt Support

    ☐ Estate Planning (Trusts/Wills)

    ☐ College Savings

    ☐ Workplace Benefits Advice

Let’s talk money.



  • Fee
    ──────────────

    Portfolio Management
    ──────────────

    Advisor Check-ins
    ──────────────

    Tax Filing & Strategy
    ──────────────

    Financial Freedom Planning
    ──────────────

    Insurance Guidance
    ──────────────

    Budget/Debt Support
    ──────────────

    Estate Planning (Trusts/Wills)
    ──────────────

    College Savings
    ──────────────

    Workplace Benefits Advice
    ──────────────

  • Personal CFO

    ‍‍

    $5000/year

    ☑️ Included (up to $500,000)

    Unlimited

    ☑️ Included

    ☑️ Included

    ☑️ Included

    ☑️ Included

    ☑️ Included

    ☑️ Included

    ☑️ Included

  • Investment Advisor

    Up to 1% of AUM
    (Assets Under Management)

    ☑️ Included

    Quarterly

  • Consultation

    $125 / 15 mins

    🔲 Optional

    Pay-as-you-go

    🔲 Optional

    🔲 Optional

    🔲 Optional

    🔲 Optional

    🔲 Optional

    🔲 Optional

    🔲 Optional