Associate Financial Planner

360 Wealth Advice; Bengaluru Urban; Hybrid; INR 600,000 - 1,200,000; Full time

Job summary

360° Wealth Advice, a Bangalore-based SEBI-registered advisory firm, seeks an Associate Financial Planner with 2–3 years in personal financial planning. You will design strategic, tactical, and dynamic asset allocations in line with client risk and life-stage needs, under fiduciary guidelines.

We operate on a fee-only model, with no product commissions, serving clients across India and globally. Hybrid Bangalore location; MS365 tools and AI capabilities are encouraged.

Qualifications

• 2–3 years of financial planning experience in advisory/wealth management.
• Mandatory NISM Series XA and XB certifications.
• Proficient in MS365 tools and AI tools (Gemini Notebook).
• Fiduciary duty and SEBI IA Regulations knowledge.
• No sales or business development responsibilities.

Responsibilities

• Support senior advisor for assigned clients.
• Develop comprehensive financial plans across investments, retirement, and estate planning.
• Mutual fund portfolio construction and asset allocation design.
• Coordinate with internal team; use MS365 tools for documentation.
• Conduct periodic portfolio reviews and rebalancing.

Skills

Excellent English

Financial calculations

Advanced Excel

Client communication

Behavioral finance

Education

Graduate degree in Finance or Economics

Tools

MS Teams

Planner

OneNote

Gemini/ChatGPT usage

Job description

We are seeking a high-caliber, dynamic Associate Financial Planner with 2 to 3 years of experience in financial planning as part of a personal finance/ wealth management team and NISM XA and XB certifications(both non negotiable) to join our advisory practice. Should be comfortable working in/ learn the following quickly:MS365 environment including MS Teams, One Note, Planner, and AI tools like Gemini Notebook. Professionals returning to the workforce after a career break, for any reason are also welcome to apply. The ideal candidate will be a client-centric professional with experience in personal financial planning, goal prioritization, comprehensive risk profiling, and mutual fund portfolio construction. Operating under a strict fiduciary mandate and in compliance with the SEBI (Investment Advisers) Regulations, 2013, you will act as a trusted financial planner, designing customized Strategic, Tactical, and Dynamic Asset Allocations that align with our clients' risk tolerance and life-stage requirements.

2. About Us

360° Wealth Advice is a Bangalore-based, SEBI-registered Individual Investment Advisory firm serving clients across India and globally. Built on the core values of commitment, discipline, and trust, the firm delivers objective, goal-oriented financial guidance with absolute transparency.

Operating strictly on a fee-only model, 360° Wealth Advice accepts no product commissions or third-party affiliations. This conflict-free approach ensures clients receive honest, unbiased recommendations—including advising against unnecessary products. The firm crafts customized wealth and retirement strategies by integrating Direct Mutual Funds alongside NPS/UPS, PPF/EPF/DSOPF, REITs, and government schemes to align every investment with the client’s personal goals.

Whether assisting Armed Forces officers navigating retirement or private-sector professionals targeting long-term growth, 360° Wealth Advice empowers individuals to take full control of their financial future with clarity and peace of mind.

3. Key Responsibilities

• Serve as the support team member with guidance from chief advisor for assigned clients.
• Develop comprehensive financial plans tailored to client goals. Provide written advice under supervision across investments, insurance, retirement, estate planning, and related areas.
• Mutual Fund Investment Planning & Portfolio Construction: Design and construct diversified mutual fund portfolios across asset classes (equity, debt, hybrid, and arbitrage) based on clients' investment horizons.
• Coordinate with internal team and support client servicing, work within the Microsoft 365 ecosystem – familiar with Teams, Planner, One Note, exposure to Gemini/ChatGPT usage.
• Periodic Review & Portfolio Rebalancing: Monitor and review client portfolios at pre-fixed intervals to ensure goals remain on target. Rebalance portfolios dynamically to manage interest rate risks and credit risks, while maintaining a strict awareness of transaction costs and capital gains taxes.
• Regulatory Compliance, Documentation & Ethical Conduct: Adhere strictly to the SEBI (Investment Advisers) Regulations, 2013. Ensure the highest standards of fiduciary duty, maintaining absolute client confidentiality and managing any potential conflicts of interest.
• No sales or business development responsibilities.
• Compensation is not linked to revenue generation.

4. Qualifications & Skills Required

• Education: Graduate degree in Finance, Accountancy, Business Management, Commerce, or Economics.
• Certifications: Mandatory NISM Series X-A (Investment Adviser Level 1) and NISM Series X-B (Investment Adviser Level 2) Certifications (must be maintained in active status at all times).
• Experience: 2 to 3 years experience as financial planner as part of financial advisory, wealth management for HNI clients. Any other form of experience is not acceptable.
• Skills: Excellent English communications(both written and spoken) to engage with clients, technical mastery of financial calculations, formulae, creating advanced spreadsheets using tools like Excel. Good understanding of Indian tax laws on mutual funds and retirement products. Familiarity in working in Microsoft environment (Teams, Planner, One Note, MS Office with online collaboration).
• Behavioral Competency: Strong understanding of behavioral finance concepts to manage client emotions, address behavioral biases, and establish long-term trust.

Employment Type

Full-Time, Permanent

Location

Bangalore, India (Hybrid - 3 days a week in office)

Department

Client Operations (Fee-Only Investment Advisory)