Deva Panambur

Personal Finance, Investing, Small Business
“Deva Panambur, Managing Director with Sarsi, passionately seeks knowledge about his clients and their requirements so that he can help them achieve their goals and objectives.”

Sarsi, LLC

Job Title:

Managing Director


Deva Panambur, CFA®, CFP®  is the founder of Sarsi, LLC. Sarsi, LLC is an independent, fee only, Registered Investment Advisor, serving individuals and institutions. We primarily provide the following services: 1.Financial Planning: Overall financial situation of the client including cash flow, debt management, risk management/insurance, estate planning and tax planning. 2. Investment strategy 3. Asset allocation and risk management 4. Manager/Investment product selection 5. Investment monitoring and reporting.

Prior to founding Sarsi, LLC in 2010, Deva was a Senior Vice President/Partner at Executive Monetary Management (EMM), a wealth advisor with over $2Bn in assets that was a part of Neuberger Berman, before being spun off into an independent firm in 2009. At EMM, Deva led manager selection and due diligence and had joint responsibility for economic analysis, strategy analysis, portfolio management and risk management pertaining to investments of ultra high net worth clients and institutions.

Prior to joining EMM, he was a portfolio manager at the alternative strategies group of Merrill Lynch; a research analyst at Chesapeake Capital Corporation- a hedge fund; and a risk and business analyst at Deutsche Bank Asset Management where he supported various investment groups. He began his career at International Seaports Pte. Ltd. in international project finance in the Far East and the United States.

Deva earned a Bachelor of Technology from the Indian Institute of Technology, India, a Master in International Management from the Indian Institute of Foreign Trade, India, and an MBA from Thunderbird School of Global Management, Glendale, AZ. He has been awarded the Chartered Financial Analyst designation and is a CFP® professional.

He regularly provides expert advisory services to top consulting firms and asset management companies regarding the business and investment aspects of the investment industry. He is an Adjunct Professor of Personal Finance at Montclair State University in New Jersey and in his spare time trains candidates appearing for the  CFA exam.


MBA, Finance, Thunderbird (Arizona State University)
BTech, Metallurgy, Indian Institute of Technology

Fee Structure:

Fee only. Asset based and/or fixed.

CRD Number:



Sarsi LLC (“Sarsi”) is a Registered Investment Advisory Firm regulated by the State of New Jersey in accordance and compliance with applicable securities laws and regulations. Sarsi does not render or offer to render personalized investment advice through this newsletter. The information provided herein is for informational purposes only and does not constitute financial, investment or legal advice. Investment advice can only be rendered after delivery of the Firm’s disclosure statement (Form ADV Part II) and execution of an investment advisory agreement between the client and Sarsi.

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December 2017
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    401(k), IRAs, Taxes, Tax Deductions / Credits
How can I avoid Required Minimum Deductions (RMDs)?
75% of people found this answer helpful

A Roth IRA does not have RMD (Required Minimum Distributions) requirements except in some cases when it is inherited.

With a Roth 401K, if you are retired or are a 5% owner of the company, you have to begin taking RMD at age 70.5.If you are not retired and not a 5% owner you don't have to take a RMD.

 Distributions do not incur taxes if account is over 5 years old and you are over 59.5 years. 

If you want to avoid RMD on your Roth 401K (If retired or a 5% owner)), then you should roll it over to a Roth IRA. The rollover, if done properly will not incur any taxes and you don't need to take an RMD on the Roth IRA.

If you have both a regular 401K and a Roth 401K then the the regular 401K can only be rolled over to an IRA, if you want to avoid taxes on the rollover. You will have to take RMD on the regular IRA. The Roth 401K can be rolled over to a Roth IRA as disussed above.

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