Job Title: Financial Planner
Location: Trivandrum
Employment Type: Full-Time
About the Role
We are seeking a passionate and analytical Financial Planner to join our Wealth Management team. The ideal candidate will be responsible for preparing comprehensive financial plans that help clients achieve their life goals through strategic financial planning, investment analysis, risk management, tax optimization, retirement planning, and estate planning.
The Financial Planner will work closely with Client Associates, Relationship Managers, and subject matter experts to deliver holistic financial solutions that are personalized, practical, and aligned with clients’ objectives.
Key Responsibilities
Financial Planning
- Prepare comprehensive and goal-based financial plans for clients.
- Analyse clients’ financial position, income, expenses, assets, liabilities, insurance coverage, tax status, and investment portfolio.
- Develop customized recommendations covering wealth creation, retirement planning, education planning, estate planning, insurance planning, and cash flow management.
- Review existing investment portfolios and recommend suitable restructuring wherever required.
- Build and update financial planning models, cash flow projections, and retirement corpus calculations.
- Conduct periodic portfolio reviews and recommend appropriate changes based on market conditions and client objectives.
Research & Analysis
- Conduct detailed research on mutual funds, equities, PMS, AIFs, insurance products, bonds, and other investment avenues.
- Analyse market trends, economic developments, taxation changes, and regulatory updates.
- Compare investment products and prepare recommendation reports.
- Support investment committee discussions through research-based insights.
Client Support
- Assist Client Associates during client meetings and financial plan presentations.
- Explain financial planning concepts and recommendations in a simple and client-friendly manner.
- Address client queries related to investments, taxation, insurance, retirement, and financial planning.
- Prepare meeting notes, review reports, and client presentations.
Cross-functional Coordination
- Collaborate with Internal Teams including:
- Tax Advisory
- Operations
- Estate Planning
- Insurance
- Real Estate
- Compliance
- Investment Research
- Coordinate with external product manufacturers and financial institutions whenever required.
Compliance & Documentation
- Ensure all recommendations comply with regulatory guidelines and internal investment policies.
- Maintain complete documentation supporting financial planning recommendations.
- Keep client information confidential and maintain accurate records.
Eligibility
Educational Qualification
- MBA (Finance),M.Com, B.Com or equivalent qualification.
- CFP certification will be an added advantage.
Experience
- Minimum 2–5 years of experience in Financial Planning, Wealth Management, Investment Advisory, Banking, Mutual Funds, or Financial Services.
- Experience in preparing comprehensive financial plans is preferred.
Technical Knowledge
Candidates should possess good knowledge of:
- Mutual Funds
- Equity Investments
- Debt Instruments
- Portfolio Management Services (PMS)
- Alternative Investment Funds (AIF)
- Insurance Planning
- Retirement Planning
- Tax Planning
- Estate Planning
- Cash Flow Planning
- Goal-Based Financial Planning
- Risk Profiling
- Asset Allocation
- Financial Ratios and Investment Analysis
Preferred Skills
- Strong analytical and numerical abilities.
- Excellent report writing and presentation skills.
- Ability to interpret financial data and convert it into actionable recommendations.
- Strong communication and interpersonal skills.
- Attention to detail and high level of accuracy.
- Ability to work independently and manage multiple financial plans simultaneously.
- Proficiency in Microsoft Excel, PowerPoint, Word, and financial planning software.
- Knowledge of Indian taxation and investment regulations.
- Familiarity with NRI and HNI financial planning will be an added advantage.
Preferred Certifications
- NISM Certifications
- INAD Certifications
Work Location: In-person
Pay: ₹21,000.00 - ₹30,000.00 per month
Work Location: In person
