Financial Planning Specialist

4 days ago

Mumbai, Maharashtra, India Fintoo Full time

FINTOO, a SEBI Registered Investment Advisor (RIA), is a core financial planning and fee-

based advisory company. We specialize in holistic financial planning, investment advisory,

and wealth management solutions — with an emphasis on unbiased advice tailored to client

goals.

Our services span across financial planning, global investments, and tax advisory, ensuring

clients have a one-stop solution for their wealth journey. Unlike transaction-driven models,

Fintoo is built around a fiduciary, client-first approach, where planning always precedes

execution.

Our vision is to empower and educate individuals to make informed financial decisions and

track their finances in real time.

Headquartered in Mumbai, with clients across India, we are now also expanding operations

with a new office planned in Bangalore.

Job Description: Financial Planning Specialist

Purpose

The Financial Planning Specialist will lead financial planning conversations with

prospective clients and drive the advisory-led acquisition process. This is a consultative

financial advisory role where creating high-quality financial plans, analysing portfolios, and

presenting solutions form the core responsibilities. Client acquisition is the natural outcome

of a strong planning-led engagement.

Key Responsibilities


• Conduct detailed goal-setting discussions with prospects and understand their financial

profile.


• Prepare, customise, and present Fintoo's financial plans (cash flows, asset allocation, ESOP

strategy, retirement modelling, risk planning).


• Analyse existing portfolios and identify diversification, restructuring, and rebalancing

opportunities.


• Recommend investment strategies aligned with the client's risk appetite and long-term

objectives.


• Coordinate with the Core Advisory team for deeper analysis and implementable portfolios

where required.


• Explain complex financial concepts in simple language to help clients make informed

decisions.


• Build strong rapport with prospective clients through trust-based advisory conversations.


• Handle objections, clarify queries, and guide prospects towards long-term wealth planning

solutions.


• Conduct discovery calls to understand client needs and expectations.


• Convert planning discussions into paid advisory clients through consultative selling, not

push-based selling.


• Engage with referred clients, network-driven leads, and digital inquiries.


• Proactively identify opportunities for new client relationships based on advisory gaps and

life events.


• Document all client details, planning notes, and handover information for smooth

transition to the Core Advisory team.


• Stay updated on mutual funds, equity markets, ESOP structures, global products, and tax-

efficient strategies.


• Understand RIA-compliant advisory processes and explain them confidently to prospects.

Key Requirements


• Strong understanding of financial planning concepts — cash flow, asset allocation, risk

profiling, ESOP management, and tax basics.


• Excellent communication, storytelling, interpersonal, and relationship management skills.


• Ability to simplify and present a financial plan confidently to HNI prospects.


• Good understanding of financial products (mutual funds, ETFs, equity, debt, global

products).


• High emotional intelligence, patience, and advisory mindset.


• Proficiency in Microsoft Excel & PowerPoint for plan creation and analysis.


• Strong written and verbal communication in English.

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