What Does an Investment Planner Do?

Partner with an expert investment planner to design a customized strategy for your financial future. Work with a certified investment advisor to optimize your portfolio using their knowledge and insights, tailored to meet your specific goals.

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Request a Callback

Full Name *
Phone Number *
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Email *

Who Is an Investment Advisor?

Investing is the key to unlock the door to all your financial goals. Investment advisors help individuals make their dreams a reality by guiding them through their investment journey. They understand your financial situation, goals, risk tolerance, and investment horizon to develop personalised investment plans that help you achieve long-term financial success.


Investment advisors recommend specific investment options, such as bonds, mutual funds, stocks, real estate, or other assets, to help clients achieve their objectives. They are often registered with regulatory bodies and adhere to fiduciary standards, meaning they are legally obligated to act in the client’s best interest. Their expertise helps clients navigate complex financial markets and make informed decisions to grow and protect their wealth.

These regulations promote the ethical conduct of RIAs which makes sure that the client’s interests are always protected. RIAs often provide comprehensive investment planning services to help clients meet their financial goals.

Your Partner in Wealth Creation

We help you make informed decisions for lasting financial success.

Your Partner in Wealth Creation

We help you make informed decisions for lasting financial success.

How to become a Certified Investment Advisor?

Here are the eligibility and certification requirements for an individual to become a certified investment advisor:

The NISM-Series-V-A: Mutual Fund Distributors Certification is mandatory for anyone who wants to become a mutual fund distributor in India. It is regulated by the National Institute of Securities Markets (NISM), an educational initiative of SEBI.
This certification aims to enhance knowledge and skills regarding the structure and workings of mutual funds, various schemes, and the rules and regulations governing them.
Further, earning a Chartered Wealth Manager (CWM) or Chartered Financial Analyst (CFA) designation will further elevate your qualifications and enhance your credibility as a professional investment advisor.
Candidates who pass the NISM-Series-V-A exam can apply for AMFI registration to get their ARN, which is mandatory for selling or advising on mutual funds. After passing the NISM-Series-V-A exam, you can apply to AMFI for an ARN by submitting the required documents, including identity proof, address proof, and your
NISM certificate.
The AMFI Registration Number (ARN) certification is another important credential for mutual fund distributors. AMFI, the Association of Mutual Funds in India, is a self-regulatory body that promotes best practices and ensures ethical conduct among mutual
fund distributors.

Roles and Responsibilities of a Certified
Investment Advisor

A certified investment planner has the following responsibilities:

  • First and foremost, certified investment advisors have a fiduciary duty. This means that they are legally obligated to act in the best interests of their clients, by giving them unbiased advice.

    There is a general lack of financial awareness in our country which leads some unregistered advisors to act in bad faith by encouraging clients to buy assets that are more profitable for the advisor rather than the client. This unethical practice can be very harmful to an investor's financial health.
  • An investment consultant analyses the client’s financial situation by taking into account income, expenses, assets, debt, and savings. This is the essential first step in the investment planning process.

    Investment advisors carefully listen to the needs of their clients and help them set SMART (Specific, Measurable, Attainable, Relevant, and Time-bound) goals which give more clarity to the investment planning journey.
  • The assessment of the client’s situation along with their financial dreams form the basis of the investment strategy. An investment planner analyses these to determine the risk profile and investment horizon of the client.

    Investment planners sift through the many investment products in the market by conducting in-depth research, considering factors such as past performance, volatility, fees, and market trends and presenting those that best align with their client's financial goals, risk tolerance, and investment horizon.
  • They inform their clients about each product thoroughly, and this information equips clients to make independent decisions, without any undue pressure.

    They also help clients understand the tax implications of their investments, enabling them to claim maximum deductions and exemptions to reduce taxable income. This practice is part of tax planning, and a tax planner ensures it is carried out within the legal framework.
  • Another important role of investment planners is to make sure their clients have an emergency fund. This is vital because unexpected expenses like an expensive house repair or an unforeseen situation like loss of employment can disrupt investments like SIPs and may even force clients to prematurely redeem their investments. In severe cases, it might even push individuals under the heavy burden of debt. With an emergency fund, an individual can maintain a normal life as they work to overcome unexpected financial challenges.

    Similarly, investment planners ensure their clients have health and life insurance coverage for the same reasons, to shield clients against unexpected events and ensure financial stability during times of hardship.
  • Investments demand regular reviews, as your financial situation as well as the market conditions are dynamic. A change in either aspect could impact the performance and suitability of your investment portfolio. That’s why investment planners continuously monitor and adjust your investment portfolio to optimise returns and manage risks. They make sure that your investments remain aligned with your financial goals and risk tolerance.

What Does an Investment Planner in India Do?

You may think that an Investment Advisor only handles your investments, but their role is much broader than that. Here’s a closer look at what an investment advisor actually does:

A Certified Investment Advisor assesses your financial health by calculating your net worth, which takes into account your income, expenses, assets, debt, and savings. Investment advisors help you set SMART goals and assess your risk profile before making an investment plan.
Then, they tailor the investment plan to your specific financial situation, goals, risk tolerance, and time horizon. There are different kinds of financial risks associated with investing. Investment planners assess these risks and make strategies to mitigate them, such as diversification. With a diversified portfolio, the risk of capital loss due to the failure of a single asset is minimised.
They keep you informed about market trends, policy changes, new tax laws, and other economic developments. They also inform you about profitable investment opportunities that you may miss on your own. Taxes can significantly eat into your investment returns. Investment advisors are well-versed in tax laws and not only do they teach you about the tax implications of your investments, but also suggest investments to legally reduce your tax burden.
They help you prepare for a peaceful life after retirement by creating a long-term savings and investment strategy. They make sure that you and your loved ones are protected from unexpected circumstances by recommending suitable insurance coverage, as well as helping you establish an emergency fund to provide financial stability from unforeseen expenses. This is important because such situations can force investors to stop their SIPs or liquidate assets, which is not ideal.

Investment Advisors vs Planners vs Consultants: Which Do You Need?

Essentially, if you need general investment advice, you can seek guidance from an investment advisor. If you want a comprehensive financial plan tailored to your needs, you can consult with an investment planner. They will cover various aspects of financial planning in your investment plan to make sure you meet your long-term goals. And in case you are looking for highly specialised investment advice, you can seek investment financial services with the help of a certified investment consultant.

Investment Advisor

Investment advisors provide general investment advice and strategies to investors.

Investment advisors can have NISM (National Institute of Securities Markets) certificates, which showcase their expertise on assets such as stocks, bonds, and mutual funds.

Investment advisors provide services such as portfolio management and wealth management.


Investment Planner

Investment planners incorporate other aspects of financial planning, such as tax planning and retirement planning in their services.

Fund managers manage the money of a huge number of investors. Thus they have limited contact with them.

Investment planners provide financial planning services such as tax planning, estate planning, risk protection, and goal planning.

Investment Consultant

Investment consultants give specialised advice to investors.

Investment consultants have specialised certificates like CFA (Chartered Financial Analyst), which focuses on market research and risk analysis.

Investment consultants provide specialised services like market analysis, risk protection, and alternative investments.

Remember that these three categories of investment professionals are not mutually exclusive. That means that they can overlap in their roles and responsibilities. For example, an investment advisor can also be an investment planner.

FAQ's on Financial Consultants

What is a certified financial advisor?

A certified financial advisor is a professional who has obtained credentials, such as the Certified Financial Planner (CFP) designation, indicating expertise in financial planning, investment management, and other financial services.

What is the role of a financial advisor?

What exactly does a financial advisor do?

Which is better, CFA or CFP?

How to become sebi certified financial advisor?

Is it good to be a financial advisor?

How do financial consultants earn?

What is a personal financial planner?

What is a certified financial planner for a business?

What is a virtual financial advisor?

What does a digital financial planner do?

Is there an AI financial advisor?

How much does a certified financial planner cost in India?