Wealth Manager / Certified Financial Planner

Overview

Wealth managers and Certified Financial Planners (CFPs) advise individuals and families on investments, tax planning, estate planning, insurance, and retirement. India's rising HNI and ultra-HNI population (1.5 lakh+ HNIs as of 2025), the expansion of organised wealth management at IIFL Wealth, ASK, Edelweiss Wealth, JM Financial, Anand Rathi, Centrum, Motilal Oswal Private Wealth, plus the bank wealth-management arms (HDFC, Kotak, ICICI, Axis), have driven sustained High demand for qualified wealth advisors.

Day-to-day responsibilities

Conduct client risk profiling and goal-setting conversations; build comprehensive financial plans (cash flow, investment, insurance, tax, estate); recommend mutual funds, PMS, AIFs, structured products, debt instruments; review portfolio performance and rebalance; provide tax planning advice for capital gains, ELSS, NPS; coordinate with CAs and lawyers for estate planning; manage AUM growth targets; ensure SEBI investment advisor compliance.

Skills required

• Personal finance and investment planning
• Mutual funds, PMS, AIF product knowledge
• Tax planning (Income Tax, capital gains)
• Insurance (life, health, general) product analysis
• Estate planning fundamentals
• Risk profiling and asset allocation
• Client relationship management
• SEBI Investment Advisor regulations

Education path

Career progression

1. 1
   Wealth Advisor / Trainee (0-2 yrs)
2. 2
   Wealth Manager (2-5 yrs)
3. 3
   Senior Wealth Manager / Vice President (5-10 yrs)
4. 4
   Director / Senior VP Wealth (10-15 yrs)
5. 5
   Managing Director / Family Office Lead (15+ yrs)

Top employers in India

Useful certifications

• CFP (FPSB India)
• CFA Levels I-III
• NISM Series (XA, XB Investment Adviser)
• NISM Mutual Fund Distributor
• SEBI Registered Investment Advisor

Adjacent careers

Courses that lead to this career