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FAQ’s

About Me & Registration

Q: Who are you and what is your background?
A: I am a Registered Financial Advisor based in Faridabad, India, with experience in goal‑based financial planning, mutual funds, insurance, tax‑efficient investing, and retirement planning. I help salaried professionals, business owners, and families build structured, long‑term investment plans.

Q: Are you a SEBI‑registered / registered financial advisor?
A: Yes, I am a registered financial advisor operating under the applicable regulations (SEBI). My registration details and code are available on request, and you can verify them on the regulator’s website.

Services & Planning

Q: What services do you provide?
A: I offer the following services:

  • Goal‑oriented financial planning (retirement, children’s education, home, marriage).

  • Investment planning in mutual funds, fixed deposits, gold, NPS, and other suitable instruments.

  • Insurance planning (term, health, savings‑linked, as needed).

  • Portfolio reviews and rebalancing as your life changes.

Q: Do you only sell mutual funds or products?
A: No. I focus on advice and planning, not just product pushing. I recommend products only after understanding your risk, time horizon, and goals, and I will clearly explain why each product fits your plan.

Fees & Charges

Q: How do you get paid?
A: I may charge in one of the following ways (as per our agreement):

  • A fixed advisory fee per plan or annually.

  • A small percentage of the assets under advisory (AUM).

  • Or a combination of fees and regulated commissions on certain products (disclosed in writing).
    All fees and charges are clearly explained before you start working with me.

Q: Is there any hidden cost or lock‑in?
A: There are no hidden charges. All costs are documented in the agreement. You can review or discontinue the advisory relationship with prior notice, as per the terms.

Investment & Risk

Q: How much risk do I need to take?
A: We will first assess your risk profile using a simple questionnaire (income, goals, dependents, investment horizon). Based on that, we decide how much can go into equity, debt, gold, insurance, etc., so that the risk level matches your comfort and goals.

Q: Can my money be lost in mutual funds or markets?
A: Mutual funds are market‑linked, so their value can go up and down. However, staying invested for the right time horizon, diversifying across funds, and avoiding panic selling greatly reduces the risk of permanent loss. I will also explain the risks clearly before recommending any product.

Frequency & Reviews

Q: How often will you review my portfolio?
A: Typically, I review portfolios every 6–12 months or whenever there is a major life change (job switch, marriage, home purchase, retirement). You will receive a simple report showing performance, changes, and any suggested adjustments.

Q: Can I meet you in person in Faridabad?
A: Yes. I am based in Faridabad and can arrange in‑person meetings at my office or a convenient location, as well as virtual meetings via phone or video call for your comfort.

Security & Data

Q: How is my personal and financial data protected?
A: Your KYC, PAN, Aadhaar, income, and investment details are collected only as required by SEBI guidelines. I take strict confidentiality and use secure systems to store and transmit your information, and I do not share your data with third parties without your consent.

Q: Are my investments held safely?
A: Your money is invested in regulated entities such as mutual fund houses, banks, insurance companies, or recognized platforms. As an advisor, I do not hold your funds or ask for your login passwords; I only guide and monitor your investments.

Client Fit & Commitment

Q: Who is your typical client?
A: I work with salaried professionals, business owners, and families in and around Faridabad/NCR who want structured planning for retirement, children’s education, home purchase, and emergencies, instead of random product buying.

Q: What if I am not satisfied with your service?
A: If you are not satisfied, you can raise concerns in writing or discuss them in a review meeting. If needed, you can discontinue the advisory relationship as per the agreed terms, while still keeping full control of your investments.