What are typical fees for a financial planner?

As awareness around financial planning grows, more investors in Noida and Delhi NCR are actively looking for a trusted financial planner to help with retirement planning, wealth management, and long-term investing. One of the most common questions they ask is:

“What are the typical fees charged by a financial planner?”

The answer depends less on the city and more on how the planner is regulated and compensated.

Why SEBI registration matters when paying fees

In India, only a SEBI Registered Investment Adviser (RIA) is legally allowed to charge fees for financial advice. SEBI regulations ensure that RIAs:

• Act in a fiduciary capacity (client-first responsibility)
• Disclose fees clearly and upfront
• Avoid conflicts between advice and commissions
• Follow defined fee caps and compliance norms

This distinction is especially important in large markets like Noida and Delhi NCR, where many distributors, agents, and banks offer “free advice” that is actually commission-driven.

If someone is charging an advisory fee without being SEBI-registered, investors should treat it as a serious red flag.

Typical fee structures charged by financial planners in Noida & Delhi NCR

SEBI Registered Investment Advisers generally follow one of the following models:

1️⃣ Flat or fixed advisory fee

This is a pre-decided annual or engagement-based fee, irrespective of product purchases.

Typical range in Noida & Delhi NCR:

• ₹15,000 – ₹30,000 per year for comprehensive  financial planning

This model works well for salaried professionals, families, and retirees who want clarity, structure, and discipline rather than frequent trading.

2️⃣ Assets Under Advice (AUA) fee

Here, the fee is charged as a percentage of the assets being advised (not managed).

Typical range:

• 0.5% – 1% per annum , SEBI allows a maximum cap.

Example:
If an investor has ₹1 crore under advice and the fee is 0.5%, the annual advisory fee would be ₹50,000.

This model is common among high-net-worth individuals seeking ongoing wealth management and periodic reviews.

What does “fee-only” financial planning mean?

A fee-only financial planner earns income only from the client, and not from Mutual fund commissions ,Insurance commissions ,Product distribution incentives

This model is particularly relevant for investors seeking transparent wealth management and retirement planning, as recommendations are not influenced by product payouts.

For example, myguide2wealth, a fee-only, SEBI Registered Investment Adviser based in Noida, follows a structure where advice fees are clearly disclosed and no commissions are earned from financial products. This ensures alignment between the planner’s advice and the client’s long-term goals.

How to evaluate fees beyond the number

Instead of asking only “How much do you charge?”, investors in Noida and Delhi NCR should ask:

• Are you a SEBI Registered Investment Adviser?
• Do you earn commissions from any products?
• What services are included in the fee?
• How often will my retirement and wealth plan be reviewed?
• Is the advice goal-based or product-based?

The true value of a financial planner lies in clarity, discipline, and long-term alignment, not just in the fee amount.

Final takeaway

For investors in Noida and Delhi NCR, choosing a SEBI Registered, fee-only financial planner is a crucial step toward effective wealth management and retirement planning.

A transparent advisory fee is not a cost—it is an investment in:

• Unbiased advice
• Better financial decisions
• Long-term peace of mind

In financial planning, how an adviser is paid often matters more than how much they are paid.