How to Start a Financial Investment Consultant Business in UK USA (Business Plan)

Investment Planning Business

Do you have these questions in your mind?

  • How do I start a Financial Investment Planner Business?
  • Is Financial Investment Planner a good business?
  • What is the Financial Investment Planner?
  • Are Financial Investment Planners High in Demand?
  • How does a Financial Investment Planner earn money?

In this article, you will find answers to all your questions. So please grab a cup of coffee, and let’s get started.

Table of Contents

What is the Financial Investment Planner Business

A Financial Investment Planner Business is a type of financial services business that offers advice and assistance to clients in managing their investment portfolios. The primary goal of this business is to help clients achieve their financial goals by creating and implementing investment plans tailored to their specific needs and risk tolerances.


Financial investment planners typically offer various services, including investment advice, portfolio management, retirement, tax, and estate planning. They may also provide additional services, such as insurance and financial education.


To start a financial investment planner business, one typically needs a strong finance, economics, and investment management background. Additionally, obtaining relevant certifications, such as the Certified Financial Planner (CFP) designation, can help establish client credibility and increase the likelihood of success.


Overall, a financial investment planner business can be a rewarding and lucrative career for those passionate about finance and helping others achieve their financial goals.

Investment Planning Business

Types of Investment Planning Business Models?

There are several business models in the investment planning industry in the US and UK. Some of the most common ones are:


1. Fee-Only Model:
In this model, the investment planner charges clients only for the advice and services provided and does not receive commissions or other payments from financial product providers.


2. Commission-Based Model:
In this model, the investment planner receives commissions or other incentives for recommending specific financial products to clients.


3. Assets Under Management (AUM) Model:
In this model, the investment planner charges clients a percentage of their total assets under management as a fee for providing ongoing investment advice and direction.


4. Hourly Model:
In this model, the investment planner charges clients hourly for investment advice and services.


5. Hybrid Model:
This model combines fee-only and commission-based models, where the investment planner charges a fee for some services and receives commissions for recommending certain financial products.


6. Robo-Advisor Model:
This model uses automated algorithms and technology to provide investment advice and management to clients, often at a lower cost than traditional investment planners.


The choice of business model will depend on several factors, such as the investment planner’s expertise, target market, and the services they offer.

Investment Planning Business

How to Start an Investment Planning Business 

Starting an investment planning business involves several steps, including acquiring the necessary education and licenses, developing a business plan, building a client base, and creating a marketing strategy. Here are some steps to follow:

1. Acquire the necessary education and certifications:
A finance, economics, accounting, or business administration degree can be a good starting point. In addition, obtaining the required certificates, such as the Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), or the Series 65 license, is essential.

2. Develop a business plan:
This will serve as the blueprint for your business, outlining your goals, target market, pricing strategy, services, and marketing strategy.

3. Choose a business structure:
Decide whether to operate as a sole proprietor, partnership, LLC, or corporation. Each has advantages and disadvantages, so it’s essential to research and choose the best option for your business.

4. Register your business:
Obtain any necessary licenses and permits required in your state or local area.

5. Create a marketing strategy:
Determine your target audience and develop a marketing plan that includes advertising, networking, and referrals.

6. Build a client base: Network with potential clients, advertise your services, and establish a solid online presence through a professional website and social media platforms.

7. Provide ongoing client service:
Build strong relationships with your clients by offering personalized service, regular communication, and continuous monitoring of their investments.

Note: Starting an investment planning business can be challenging, but with hard work, dedication, and a strong plan, it can be a rewarding and successful venture.

Investment Planning Business

Pros and Cons of an Investment Planning Business

Here are the pros and cons of starting an Investment Planning Business:


  • Expertise and Knowledge
  • Personalized Investment Strategy
  • Long-term Planning
  • Access to Investment Products
  • Regulatory Oversight


  • Fees and Costs
  • Potential Conflicts of Interest
  • No Guarantee of Performance
  • Limited Control over Investments
  • Lack of Transparency
Investment Planning Business

Certification Required

The skills and certifications required for an investment planner may vary depending on the specific role and services offered. However, here is a general idea of the skills and certifications that may be required:


In the US, an investment planner may require the following:


1. Certified Financial Planner (CFP) certification
This is a recognized professional certification for financial planners and requires passing a rigorous exam and meeting other education and experience requirements.


2. Series 7 license
This license is required to trade securities on behalf of clients.


In the UK, an investment planner may require the following:


1. Chartered Financial Planner certification
This is a recognized professional certification for financial planners and requires passing a rigorous exam and meeting other education and experience requirements.


2. Financial Conduct Authority (FCA) authorization
The FCA must authorize investment planners to provide financial advice and services.



The specific skills and certifications required will depend on the individual investment planner’s role and the services offered.



The Licenses Required for Investment Planning

In the US, investment planners typically need specific licenses and registrations to offer services. The required permits will depend on the services provided and the products involved. For example:


1. Investment advisors who manage more than $100 million in assets must register with the Securities and Exchange Commission (SEC).


2. Investment advisors who manage less than $100 million in assets must register with the appropriate state securities regulator.


3. Investment planners who sell securities must pass the FINRA-administered Series 7 exam.


4. Investment planners who offer investment advice must pass the FINRA-administered Series 65 exam or hold specific other designations.



In the UK, investment planners may need specific permissions and authorizations from the Financial Conduct Authority (FCA) to offer their services. The special permissions required will depend on the types of services offered and the products involved. For example:


1. Investment planners who provide advice on securities must hold a valid Statement of Professional Standing (SPS).


2. Investment planners who manage client funds must obtain authorization from the FCA to do so.


3. Investment planners who advise on certain types of products, such as derivatives or complex financial instruments, may need additional authorizations.


It’s important to note that the specific requirements for licenses and permissions can vary depending on the jurisdiction and the particular circumstances of the investment planner. Therefore, it’s recommended to consult with a qualified legal or financial professional for guidance on the specific requirements in your area.

Investment Planning Business

How much you will earn in an Investment Planning Business 

The commission and charges that clients will pay to an investment planning company in the US can vary depending on the investment products and services offered. Here are some standard fees that clients may encounter:
  • Asset management fees:
    This fee is a percentage of the client’s assets that the investment planning company manages. The industry average is around 1% per year.
  • Commissions:
    Some investment products, such as mutual funds and annuities, may charge a commission fee to the client. The amount of the commission can vary depending on the specific product and the investment planning company.
  • Account maintenance fees:
    Some investment planning companies may charge a fee to maintain the client’s account. This fee may be charged annually or monthly and can range from a few dollars to a few hundred dollars.
  • Performance-based fees:
    Some investment planning companies may charge a fee based on the performance of the client’s investments. This fee is typically a percentage of the profits earned by the assets.
It’s important to note that these fees can vary widely between investment planning companies, and it’s always a good idea to ask for a clear breakdown of all costs before investing.

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Investment Planning Business

List of primary Services to offer in an Investment Planning Business

Here is a list of some of the leading products and services that an investment planner may offer:

  1. Financial planning and goal setting


  2. Investment portfolio management


  3. Retirement planning


  4. Tax planning and preparation


  5. Estate planning and wealth transfer


  6. Risk management and insurance planning


  7. Education funding planning


  8. Socially responsible investing


  9. Alternative investments


  10. Asset allocation and diversification


  11. Debt management and credit counseling


  12. Business planning and succession planning


  13. Charitable giving and philanthropy planning


  14. Cash flow analysis and budgeting


  15. Financial education and literacy programs


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Investment Planning Business

Trends & Challenges in an Investment Planning Business

Here are some current trends and challenges in the world of Investment Planning Business:



  • Increased Adoption of Technology
  • Greater Emphasis on Sustainable Investing
  • Shift toward Passive Investing
  • Growing Demand for Financial Planning Services
  • Increased Focus on Client Experience and Engagement



  • Competition from Robo-Advisors and DIY Investing Platforms
  • Regulatory Compliance and Changes in Legislation
  • Fee Compression and Margin Pressure
  • Market Volatility and Economic Uncertainty
  • Client Retention and Attracting New Clients.
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Checklist of essential equipment required for Investment Planning Business

Here is a general list of some of the necessary equipment and tools that an investment planner may need:


1. Computer and Internet access


2. Financial analysis software, such as Bloomberg or Morningstar


3. Client management software, such as Salesforce or Hubspot


4. Financial modeling tools, such as Microsoft Excel or Google Sheets


5. Telephone and email communication tools


6. Access to financial news and research, such as The Wall Street Journal or Financial Times


7. A dedicated office space or workspace


8. Business cards and marketing materials


9. Accounting and bookkeeping software


10. Printer, scanner, and copier

Investment Planning Business

A typical day in Investment Planning Business:

Here is a glimpse of what a typical day in the life of an investment planner might look like:

  • Reviewing and Analyzing Client Portfolios

  • Conducting Market Research and Analysis

  • Developing Investment Strategies for Clients

  • Communicating with Clients to Discuss Goals and Objectives

  • Monitoring Investment Performance and Making Adjustments as Needed

  • Researching and Selecting Investment Products for Clients

  • Meeting with Prospective Clients to Discuss Investment Planning Services

  • Networking with Other Professionals in the Industry

  • Attending Industry Conferences and Seminars

  • Staying Up-to-Date on Regulatory Changes and Compliance Requirements
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Some top Investment Planning Companies

  • Vanguard
  • Fidelity Investments
  • Charles Schwab
  • T. Rowe Price
  • BlackRock
  • Hargreaves Lansdown
  • Nutmeg
  • AJ Bell
  • Interactive Investor
Please note that this is not an exhaustive list, and other investment planning companies may also be successful in their respective countries.


The Investment Planning business industry in the US and UK is a growing field that offers opportunities for entrepreneurs who have a passion for finance and helping others achieve their financial goals. Starting an investment planning business involves taking a series of steps, including obtaining necessary certifications, establishing a business plan, and developing a client base. 


There are various business models in this industry, including fee-only, commission-based, and hybrid models. Investment planners need to be equipped with the right tools and resources to manage their businesses effectively.


In addition, there are several financial planning consultants in the US and UK who have built successful businesses and are providing valuable services to their clients. With the right skills, knowledge, and dedication, anyone can become a successful investment planning business owner.

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A. A strong background in finance, economics, and investment management is typically necessary. Obtaining relevant certifications, such as the Certified Financial Planner (CFP) or Chartered Financial Planner designations, can also help establish credibility with clients.

A. In the US, investment planners typically need licenses and registrations such as the Series 7 or 65 exams, depending on the services and products involved. In the UK, permissions and authorizations from the Financial Conduct Authority (FCA) may be required. The specific requirements can vary depending on jurisdiction and circumstance, so consulting a professional is recommended.

A. Building a strong reputation and brand through effective marketing and networking can help attract clients. Providing exceptional service, personalized advice, and regular communication can help retain clients.

A. It is essential to stay up-to-date on relevant laws and regulations governing the financial services industry. Implementing effective risk management strategies and conducting regular compliance checks can also help minimize risk.

A. Setting fees and pricing depends on factors such as the scope of services offered, the size of the client’s portfolio, and the level of expertise required. Conducting market research and analyzing competitors’ pricing can help in setting competitive fees.

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