Associate Financial Planner

1. Role Overview

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 memberwith 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.

5. Position Details

Employment Type Full-Time, Permanent

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

Compensation 4.2 – 6.0L fixed CTC depending on relevant experience + Performance Linked Bonus

Reporting Structure Founder & Chief Investment Advisor

Department Client Operations (Fee-Only Investment Advisory)

Work Structure 5 1/2 day work week