How is a financial plan different from investment advice?

Investment advice focuses on which funds or stocks to buy. A comprehensive financial plan is holistic — it covers cash flow management, insurance adequacy, tax planning, retirement projections, estate planning, and investment strategy. The investment recommendations are one part of the larger plan.

How often should a financial plan be reviewed?

At minimum, annually. However, you should also review after major life events — marriage, childbirth, job change, inheritance, home purchase, or significant market movements. Your RIA on Finamize can schedule regular review meetings.

I already have investments. Do I need a financial plan?

Especially if you already have investments. A financial plan audits your existing portfolio for alignment with goals, identifies gaps in insurance, checks for tax efficiency, and ensures your asset allocation matches your risk profile. Most people find their existing investments are not optimally structured.

What information do I need to share with the RIA?

Income details (salary slips, business income), expense breakdown, existing investments (MF statements, demat holdings), insurance policies, loans/EMIs, tax returns (last 2-3 years), and your financial goals with timelines. All data is shared securely through Finamize's encrypted platform.

Financial Planning by SEBI-Registered Advisers | Finamize

A holistic financial plan covering investments, insurance, tax, retirement, and estate planning. Built by SEBI-registered advisers who work for you, not for commissions.

₹50L

MIN RIA NET WORTH

TRAIL COMMISSIONS

NISM

CERTIFIED

Annual

AUDIT REQUIRED

Why Finamize

Why Choose Finamize

Goal-Based Approach

Every financial decision is tied to a specific goal — retirement, children's education, home purchase, emergency fund. Your plan prioritises what matters most to you.

Cash Flow Optimisation

Your RIA analyses income, expenses, EMIs, and savings to find opportunities for better allocation. Small changes in cash flow can have dramatic long-term impact.

Insurance Gap Analysis

Are you over-insured in ULIPs but under-insured in term life? Your RIA reviews all existing policies and recommends the right coverage without selling you products.

Tax-Efficient Investing

Investment recommendations consider tax implications — ELSS for 80C, tax-free bonds, indexation benefits on debt funds, and capital gains harvesting.

How It Works

Get Started in 3 Steps

Discovery & Data Collection

Share your income, expenses, assets, liabilities, insurance policies, and financial goals through a structured onboarding process.

Plan Preparation

Your RIA analyses all data and prepares a comprehensive financial plan with specific, actionable recommendations for each goal.

Review & Implementation

Walk through the plan with your RIA. Once approved, implement recommendations at your own pace with ongoing support and annual reviews.

Regulatory Framework

FAQ

Frequently Asked Questions

Get a Financial Plan

Work with a SEBI-registered RIA to build a comprehensive financial plan tailored to your life goals.