Retirement Planning Questionnaire Form: Fill & Download for Free

Let's first understand who are Fee only Financial Planners or SEBI Investment Advisors?Financial Planner or SEBI Investment Advisor is the person who does Comprehensive Financial Planning for the individual which includesInsurance planning both life and healthRetirement planningGoal based Investments in different assets classes mainly in Equity and Debt.Children education and marriage planning.Debt Management etc.Long term Wealth creation based on Mutual Fund investment in Equity and Debt.How do they prepare client’s financial plan?First of all Investment advisors collect all the information pertaining to client’s existing investments in different asset classes, their life goals, their existing insurance policies, their expenditure pattern etc.They access client’s risk profile by analyzing the answers stated on risk profiling questionnaire by their clients.Fee only Financial Planners’ main job is to help client identify their goals, priorities them according to their investible surplus. Investment advisor arrive at the future cost of the goals after taking inflation into account.They suggest their clients suitable financial products according to their risk taking capacity and time frame of these goals.Investment advisor support their client for full one year of their engagement for any financial queries.Hope you got the idea how Financial Planners work.Now let see what Financial planner mainly SEBI RIAs not do?SEBI Investment Advisor doesn't provide stock specific advise. They mostly prefer investment in equity through mutual fund route only over direct equity.He/she doesn't tactically change asset allocation based on market situation. Their decision doesn't depend upon short term/daily fluctuations in the marketHe/she doesn't frequently review the financial products suggested to the clients. RIAs don't entertain clients' urge to change funds in very quarter.. Frequent churning of the portfolio is not advisable.Good Investment advisors always try to manage the downside risk rather than maximizing the returns for customers. So they don't suggest very risky financial products even if client is ready to venture it out.SEBI RIAs doesn't try to generate optimum return by suggesting fancy financial instruments. Good RIAs always encourage clients to expect reasonable rate of return from their investment.Last but no least Investment Advisor does not guarantee the returns earned on the investment especially equity investment made by the customers on their advice. Nobody can predict the market. Nobody can time the market. Not even RIAs or any market expert.So if your Investment Advisor don't do the listed things, you are in the safe hands or else you need to change your advisor. As above mentioned things do not necessarily needed in Financial Planning

I always say it to everybody. Complete an attitude towards risk questionnaire online and invest accordingly. This will make sure you are investing in the proper asset class and therefore you are more likely to achieve the required result.

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