This article was also published in freefincal.com under "Fee-only adviser journey". Here is the link to freefincal article https://freefincal.com/fee-only-advisor-journey-swapnil-kendhes-successful-transition-into-a-sebi-ria/ "Past events always look less random than they were. I would listen to someone's discussion of his own past realising that much of what he was saying was just a backfit explanation concocted ex post by [...]