A Few Words

About Me

Exceptional Service

Practical Financial Advice You Can Count on

At Apana Dhan, we understand your needs for financial planning. We offer Fee-only Financial Planning services. We are committed to your goals and hence to avoid any conflicts of interest, we are not into the distribution of any financial products. Hence our only earning is from the fees we charge to our clients.

A Fee-only Financial Planner is someone who charges a fee for financial plan creation and advisory. He/she does not receive any kind of commission/incentives from mutual fund houses, insurers, or other financial product sellers. He/she is no way associated or represented by Mutual fund Companies, Insurance companies, or any other form of products.

Our leader Preeti is a SEBI Registered Investment Advisor (RIA) (Licence No: INA000012777) and Fee-only Financial Planner based in Navi Mumbai India. She is an Associate of Insurance Institute of India ( AIII ) and has a post-graduate Diploma in Business Finance from ICFAI university. She also holds a Masters’s degree in Commerce from Pune University.
Preeti is associated with the Insurance and Finance industry since long having experience in both administration and marketing of Financial products.

She had worked as a Medical and Non-medical Underwriter and was heading a Quality check team in Reliance Life Insurance Company. She also worked with ICICI Prudential Life Insurance Company’s sales and marketing team.

Preeti is a ‘Registered Investment Adviser’ (RIA) with the ‘Securities and Exchange Board of India’ (SEBI), one among the few thousand individual advisers in India and only a handful in Navi Mumbai Maharashtra, licensed to provide holistic financial advice.

This registration mandates that RIAs follow a Fee-Only Investment Advisory revenue model and where the RIA is a fiduciary i.e.

  • RIAs should put the client’s interest ahead of his own interests
  • RIAs owes the client reasonable duty of care
  • The spirit of this regulation is that RIAs should provide the service as a profession and not as a business

Financial Plan Navigated From An Expert Is A Key Component To The Success Of Your Wealth Creation Journey

Difference between Fee-Only Financial Planners and Fee-Based Financial Planners

 

Which expert should you hire?

Fee-Only Planner

A Fee-Only Planner is someone who charges a fee for financial plan creation and advisory and does not receive any kind of commissions/incentives from mutual fund houses, insurers or other financial product sellers. Because he is in no way associated or represented by Mutual Fund Companies, Insurance Companies or any other form of the product. Hence, his only earning is from the fee he charges to his clients upfront.

Fee-Based Planner

A Fee-Based Planner receives a fee for financial advisory and also receives commissions from fund houses and/insurers etc. for the products he/she recommends. The investment is done through the planner. Hence, there is always the possibility of CONFLICT of interest when you work with such fee-based planners.

Preeti Zende

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