{"id":208714,"date":"2026-08-18T10:12:14","date_gmt":"2026-08-18T04:42:14","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=208714"},"modified":"2026-08-18T10:12:16","modified_gmt":"2026-08-18T04:42:16","slug":"financial-planning-investment-adviser","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/financial-planning-investment-adviser\/","title":{"rendered":"When Does Financial Planning Become Part of Investment Advisory?"},"content":{"rendered":"
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Financial planning is within SEBI investment adviser scope when it relates to investing in, purchasing or selling securities or investment products. Goal-based investment plans, asset allocation ad…<\/em><\/p>\n

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Quick Answer<\/strong><\/p>\n

Financial planning investment adviser scope is defined by SEBI’s IA regulations: financial planning falls within investment advisory when it relates to securities and investment products. A registered IA who helps a client plan how to invest for retirement by recommending an asset allocation across equity, debt and gold is providing financial planning within the IA scope. A service that helps with insurance planning, real estate acquisition or tax structuring is working outside the IA scope regardless of what the adviser is registered as.<\/p>\n<\/div>\n

The financial planning investment adviser boundary is practically important because many financial services present themselves as holistic financial planners. Investors should understand which elements of a holistic financial planning service fall under the SEBI IA framework (with its regulatory protections) and which fall outside it (where different professional qualifications apply).<\/p>\n

This guide explains the financial planning investment adviser intersection, what is within scope and what falls outside.<\/p>\n

Click Here – Get Free Investment Predictions<\/strong><\/a><\/p>\n

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