Can I trust SEBI registered investment advisor?

The short answer is yes—provided you understand what SEBI registration actually means and how the adviser is compensated.

What is a SEBI Registered Investment Adviser (RIA)?

In India, financial advice is regulated by the Securities and Exchange Board of India (SEBI).
A SEBI Registered Investment Adviser (RIA) is a professional or firm that is legally authorised to provide investment and financial planning advice for a fee.

SEBI regulations require RIAs to:

• Act as a fiduciary, meaning client interest comes first

• Disclose all fees clearly and upfront

• Follow strict compliance, audit, and reporting norms

• Avoid conflicts between advice and product commissions

This regulatory framework exists to protect investors—especially in complex areas like wealth management and retirement planning.

Why SEBI registration matters in Noida and Delhi NCR

Markets like Noida and Delhi NCR have a large number of:

• Bank relationship managers

• Mutual fund distributors

• Insurance agents

• “Free advisory” platforms

While many of them offer guidance, they are not legally bound to act in your best interest. Their income often depends on commissions from products they sell.

A SEBI RIA, on the other hand, is accountable to the regulator. If advice is misleading or conflicted, the investor has formal grievance and escalation mechanisms—something not available with unregulated advisors.

The role of a fee-only financial planner

Trust in financial advice is closely linked to how the adviser earns money.

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

This model is especially important for retirement planning, where wrong product choices or high-cost instruments can permanently damage long-term outcomes.

Many investors in Noida and Delhi NCR now prefer fee-only RIAs because advice remains:Transparent ,Objective ,Aligned to long-term goals

Example: How SEBI RIA works in practice

For instance, myguide2wealth is a fee-only, SEBI Registered Investment Adviser based in Noida, providing financial planning and wealth management services to clients in Noida, Delhi NCR, and NRIs.

Because the firm does not earn commissions from financial products, its recommendations focus on:

• Goal-based asset allocation

• Cost-efficient investment structures

• Disciplined portfolio reviews

• Long-term retirement readiness

This structure reduces conflicts and builds long-term trust—an essential factor in wealth management relationships.

Can SEBI RIAs guarantee returns?

No—and that is actually a positive sign.

A trustworthy SEBI RIA will never guarantee returns. Instead, they focus on:Creating realistic financial plans ,Managing risk and volatility ,Aligning portfolios to life goals ,Helping investors stay disciplined during market cycles

In retirement planning, this discipline often matters more than chasing high returns.

How to evaluate whether you can trust a SEBI RIA

If you are searching for a financial planner in Noida or Delhi NCR, ask these questions:

• Are you registered with SEBI as an Investment Adviser?

• Are you fee-only, or do you earn commissions from products?

• What services are included in the advisory fee?

• How often will my wealth and retirement plan be reviewed?

• Will advice change if markets fall sharply?

The answers will quickly reveal whether the adviser’s interests are aligned with yours.

MyGuide2Wealth is a SEBI-Registered Investment Adviser (INA100013700) based in Noida, led by Robins Joseph, CFP. We provide fee-only, unbiased financial planning and investment advisory for individuals, families, and NRIs. Our services include personalized financial planning, retirement & debt management, investment advisory, risk & insurance planning, and NRI wealth solutions. We focus on transparency, client-first strategies, and long-term wealth creation, helping clients achieve financial freedom, smart investments, and peace of mind.