In India financial advisors fees models are governed by SEBI Rules. Sebi Registered Investment Advisors, charge on Fixed or AUM based fee.

Fee Only Financial Planners are quite sought after these days. The USP of these advisors is that their Professional earnings are only from the Fee from the client they are serving. In other words, they do not earn any commission from any product manufacturer or any broker, which used to be the norm a few years back.

Save and invest at least 10-15% of your income for long-term goals like retirement. Maintain an emergency fund equivalent to 3-6 months' worth of living expenses. Diversify investments across various asset classes to spread risk. Invest in line with your risk tolerance and time horizon. Rebalance your portfolio periodically to maintain desired asset allocation. Avoid timing the market; focus on long-term growth. Stay informed and seek professional advice when needed.

Startup funding can be enticing for retail investors seeking high returns. Factors to consider include the startup's business model, market potential, team expertise, and traction. Assessing the startup's financial health, competition, and scalability is crucial. Additionally, understanding the investment structure, such as equity or convertible notes, and the exit strategy are vital. Due diligence on the startup's legal and regulatory compliance, as well as the investment platform's reputation, helps mitigate risks in this dynamic investment option.

Our Personal Financial Planning services offer comprehensive guidance tailored to your goals and circumstances. We provide expert advice on budgeting, investment strategies, retirement planning, insurance coverage, and more. Our certified professionals work closely with you to develop a personalized financial roadmap that aligns with your aspirations and risk tolerance. With a focus on long-term financial security and wealth accumulation, we empower you to make informed decisions and achieve financial freedom. Trust us to navigate the complexities of personal finance and optimize your financial well-being.

Set Clear Goals: Define short-term and long-term objectives, such as retirement or education. 

Assess Risk Tolerance: Understand your willingness to withstand market fluctuations. 

Determine Asset Allocation: Allocate funds across asset classes based on risk tolerance and goals. 

Select Investments: Choose specific securities or funds aligned with your asset allocation strategy. 

Monitor and Rebalance: Regularly review portfolio performance and adjust allocations if necessary. 

Stay Informed: Keep abreast of market trends and economic developments to make informed decisions. 

Seek Professional Advice: Consult with financial advisors for personalized guidance.

An annual financial health checkup is essential for individuals to maintain fiscal well-being. Start by reviewing income sources, expenses, and savings goals. Analyze debt levels and interest rates to prioritize repayments effectively. Assess investment portfolio performance and rebalance if necessary to align with objectives and risk tolerance. Check insurance coverage to ensure adequacy for current circumstances. Finally, review retirement plans and adjust contributions as needed. Regularly monitoring and adjusting these aspects ensure financial stability and progress towards long-term goals.

Certified Financial Planners in Chandigarh featured in this guide has been thoroughly researched and vetted for their experience, qualifications, and client satisfaction. Whether you’re a working professional, a business owner, or someone planning for retirement, this guide will provide you with the information you need to make an informed decision when choosing a certified financial planner in Chandigarh.