About Salma Sony CFPCM
Committed to helping our clients succeed
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I am Salma Sony. I am a SEBI RIA (Registered Investment Adviser), and my academic qualification is an MBA (Finance). I am a Certified Financial PlannerCM and practice Fee-Only Financial Planning.
Fee-only financial planning means pure financial advice that focuses on clients keeping their interests ahead of everything else and does not get any remuneration directly or indirectly from the product I recommend.
As a SEBI Registered fee-only Investment Adviser, I help individuals put their financial lives in order and live a financially disciplined life.
As an investor, we are working towards achieving our family’s financial independence by 2034.
As an individual, I love morning tea time, planting houseplants, trekking, cycling, and adventure. By nature, I’m a little workaholic type 😅, live a disciplined life, and feel planning is in my blood as I plan even cooking well in advance.
Before working as an independent SEBI RIA, I worked in the custodian bank as a Financial Adviser and Sr. Financial Adviser in other SEBI registered corporate firms.
In the middle of 2019, I got into a mutual fund distribution and surrendered my license in 2022. In this 3-year journey, I realized the mutual fund distribution was not for me and decided to give this up and work as an independent RIA, and that’s where I arrived at my tag line “Expert Financial Advice That Focuses On You, Not On Selling Financial Products.”
I have 13 years of work experience in finance and 8 years of experience consulting individuals in comprehensive financial planning, insurance planning, tax planning, and investment advisory.
I work with my clients jointly to help them plan and make well-informed financial decisions.
As an adviser, my primary responsibility is to help my clients make a solid financial foundation so they can easily handle any emergency and enjoy their present life while still planning responsibly for tomorrow.
As an expert financial planner, I help my clients set realistic financial goals and align their risk appetite, savings, and investments with their goals to have funds available in their time of need.
I don’t rely on luck, so my financial planning approach. It’s simple – follow the time-tested principle, be disciplined in investing, and avoid common mistakes so that the financial plan withstands even in unexpected situations.
Every suggestion in the plan is personalized, keeping today’s comfort in mind while still planning responsibly for tomorrow.
Trustworthiness is a BIG factor when it comes to money matters. I see myself as a financial doctor and believe in long-term relationships with all my clients.
So far, I have worked on 400+ comprehensive financial plans.
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My Vision
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FIDUCIARY
I have Fiduciary responsibility. Hence, I put clients’ interests ahead of everything else. Trust, Ethics and Integrity are the foundations of client engagement.
APPROACH
My goal is to simplify your financial life. I follow the simplistic approach of awakening a financial planner inside you by guiding you on how to control your behavior and manage the risk.
NO AFFILIATION
I am not affiliated (directly and indirectly) with any Mutual Fund Companies, Insurance Companies or sell you any products. I practice the fee-only financial planning module, where my approach revolves around you.
Everything I Do, I Do For You
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About
At Zeal Financial Planning, we understand your needs for financial planning. We offer Fee-only Financial Planning services. We are committed to your goals; our professional advice focuses on you, not on selling financial products. Hence our only earning is from the fees we charge our clients.