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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    Small Business, Retirement Plans, Retirement Savings
December 2017
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May 2018
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    Debt, Estate Planning, Investing
Should I pay off my mortgage loan or invest with the money I am receiving from an inheritance?

When deciding on such questions one must evaluate the objective aspects and the subjective aspects. Objectively speaking: An interest rate of 3.5% is pretty low. In addition, if there is a tax deduction for the mortgage (I am not sure with the information you have provided) it could be lower. So, if you can earn better than that on your investments you should invest your inheritance. Over the long run, (27 years certainly counts as the long run) one should be able to earn a better rate of return than the interest rate of your mortgage and in fact, you can create a portfolio whose income can be used to pay part or all of your mortgage payments. (Please contact me if you would like to discuss this).

Subjectively speaking you will have to consider how secure your job/source of income/cash flow is and how disciplined you are about setting aside money for the mortgage payments because you don't want to have to sell your invested inheritance at an inopportune time. The other subjective point to consider is your comfort level having this mortgage- I know several people who don't like having a liability and prefer paying it off even if the numbers say otherwise.


4 days ago
    Financial Planning, Estate Planning, Investing, Choosing an Advisor, Taxes
I'm 37 years old and paying $1,500 per month for a whole life insurance policy; is the high cost worth it for the low yield, or even promised long-term value?
100% of people found this answer helpful
May 2018
    Retirement, Pensions, Retirement Savings, Retirement Living, 401(k), Asset Allocation, Retirement Plans
What should my asset allocation be on my whole investment portfolio?
67% of people found this answer helpful
May 2018
    College Tuition, Financial Planning, Retirement, Investing, 401(k), IRAs
Should I keep automatic withdrawals for my children's 529 college savings plans, or manually invest every month on down days to avoid buying in automatically on a day when it could be up?
50% of people found this answer helpful
March 2018
    Debt, Personal Finance
Should I make a principle-only payment on my credit card, if I don't have a payment due because I pay over the minimum amount?
0% of people found this answer helpful
February 2018