Understand What is Wealth Management? What is Financial Planning? How can you become a 'Wealth Manager? Careers in Wealth Management & Financial Planning. What current wealth manager say about being a 'Wealth Manager?

1. Foundations of Wealth Management

2. 01 Wealth Management
Wealth management is a broad topic that is often used to
describe investment and financial sector areas such as:
 Preferred Banking
 Private Banking
 Independent Financial Advisory
 Family Offices
 Insurance Brokers
 Stock Brokers, etc
Wealth management is an Investment Advisory
Discipline that incorporates financial planning, investment
portfolio management and a number of aggregated
financial services.

3. 02 Wealth Management
Wealth management has a greater emphasis on financial
advice and is concerned with gathering, maintaining,
preserving, enhancing and transferring wealth. It includes the
following types of products and services:
a) Brokerage.
b) Core banking-type products, such as current accounts,
time deposits and liquidity management.
c) Lending products, such as margin lending, credit cards,
mortgages and private jet finance.
d) Insurance and protection products, such as property and
health insurance, life assurance and pensions.
e) Asset management in its broadest sense: discretionary
and advisory, financial and nonfinancial assets (such as
real estate, commodities, wine and art), conventional,
structured and alternative investments.
f) Advice in all shapes and forms: asset allocation, wealth
structuring, tax and trusts, various types of planning
(financial, inheritance, pensions, philanthropic), family-
dispute resolution etc.
g) A wide range of concierge-type services, including yacht
broking, art storage, real estate location, and hotel,
restaurant and theatre booking.

4. Foundations of Wealth Management

5. 03
What differentiates
Wealth Management
 The relationship that wealth managers have with
their clients, both in terms of breadth (where
providers emphasize terms such as ‘holistic’,
‘comprehensive’ and ‘all-inclusive’) and depth
(‘intimate’ and ‘individualized’).
 The products and services provided, with a
particular emphasis on estate planning and multi-
generational planning services, as well as tax
advisory expertise and alternative investments.
 The specific objectives of wealthy clients, such as
investment performance, wealth preservation or
wealth transfer.

6. Wealth Management:

7. 04 Evolution of WM in Personal Banking
What is Wealth Management:
 Is it Private Banking?
 Is it Financial Planning?
 Is it Banc assurance?
 Is it Retail Financial Services?
 Is it the Financial Services “Supermarket”?
The definition of Wealth Management has evolved over
time & over markets…

8. 05 What is Wealth Management?

9. 06 Sales of Financial Products
Customer
Sophistication
Low
High
Direct
Agency
Low High
Product
Sophistication
High Counter
Bankers
The most sophisticated clients…
The most sophisticated products.
Low Counter
Bankers
Bancassurance
Private Bankers

10. 07 Segments & Roles
Financial Planning
Back Office Staff
Value/Volume of Products
Complexity
of
Products
Front Line Ops Staff Front Line Service Staff
Specialist Wealth Managers
Wealth Managers
Front Line Service Staff
Customer
Relationship
Managers
Standard Retail
Banking Products
Packaged Retail
Banking Products
Private Banking
Internet Wealth Managers

11. 08 What is Private Banking?
 High Net Worth Individual client base
 Who are these individuals?
 Very diverse internationally
 New money/old money
 Why do they use Private Banks?
 Sophisticated advice
 Anonymity
 Seeking to minimise political risk
 They may be taxed in several jurisdictions
 Pressure on Private Banks to disclose

12. 09 Key Highlights of CWM®
CHARTERED WEALTH MANAGER® (CWM®)
 Designed and developed by Global Academicians
and Industry experts: Global + Indian Content
 Focus on Wealth Management and Financial
Advisory Services Industry.
 Key Topics Covered:
 Global Financial System
 Relationship Management
 Behavioral Finance
 Derivatives
 Equity Analysis & PMS
 Real Estate Valuation
 Loan & Debt Management
 Intergenerational Wealth Transfer
 International Taxation
Key
Highlights

13. 10
Off Shore Vs. Onshore
Wealth Management
 Onshore wealth management is the provision of
products and services within the client’s main
country of residence.
 Offshore wealth management, by contrast, serves
clients wishing to manage their wealth outside their
main country of residence

14. 11
Divisions of a Wealth
Manager Business
 Domestic Business
 International Business
Domestic Business can be divided into:
 Domestic Onshore
 Domestic Offshore
International Business can be also divided into:
 International Onshore Business
 International Offshore Business

16. 12 What is the CWM® Designation?
CWM® are revered for their skills and expertise by Top
Wealth Management Organizations across the Globe which
give preference to CWM® Designation Holders in their
recruitment process.
 The CWM® Designation sets the
standard in the Wealth Management
profession and is a symbol of
excellence
 It signifies that an individual has:
 Demonstrated the knowledge and
skills required to perform
competently in today's complex
wealth advisory environment.
 Passed rigorous examinations.
 Agreed to abide by a professional
code of ethical conduct
 Committed to keeping knowledge
current by meeting Continuing
Education requirements.

17. 13
Chartered Wealth
Management® (CWM®)
 Chartered Wealth Management® (CWM®) is an
international certification in the field of Wealth
Management, Financial Planning, and Financial
Advisory Services.
 50000+ CWM® Certificants Worldwide.
 The AAFM CWM® program is a TUV Accredited and ISO
certified 9001 and ISO certified 29990 training program.

18. 14
What will I learn in Chartered
Wealth Management Certification?
Wealth
Management
Wealth
Enhancement
Strategies
Wealth
Protection
Strategies
Wealth
Transfer
Strategies

19. Know More About Us

20. 15 AAFM® as a Global Body
Background
 Founded in Year 1996 – 25 Years Old Organization
 Offices in 17 Countries like USA, UK, China, Hong
Kong, Singapore, Taiwan, Dubai, Europe, India and
more…….
 Approx. 3,00,000 Certificants Globally and 50,000
CWM®
 Members Present in 151+ Countries
 Top 800 Business Schools Globally are now
recognized and registered educational programs
that qualify for educational credit for AAFM™
Membership

21. 16 AAFM® as a Global Body
Credentials of the Institution
 AACSB Accreditation
(http://www.aacsb.edu/membership/MemberListings/corpli
st.asp)
 ACBSP Accreditation
(http://www.acbsp.org/p/cm/ld/fid=15)
 Prof. G Mentz, Global CEO is a Distinguished Fellow of
Royal Society of Fellows (http://royalfellows.org/id12.html)
 Contributory Recognition by US Dept. of Labor in their
Occupational Handbook
(http://books.google.co.in/books?id=5oxGNtegbzsC&pg
=PA105&dq=%22american+academy+of+financial+ma
nagement%22+occupational+outlook&hl=en&ei=T9n7T
PW8PIKsQPRnND2DQ&sa=X&oi=book_result&ct=result
&redir_esc=y#v=onepage&q=%22american%20academ
y%20of%20financial%20management%22%20occupationa
l%20outlook&f=false)
 Top Designations in the USA in Forbes News
(http://www.forbes.com/sites/investor/2011/07/05/how-to-
check-out-your-stock-broker/3/)
 AAFM India Tie-Up with BSE INDIA for conducting
Financial Literacy Programs all across India
 CWM Designation Recognized in WiseAdvisor.com
(http://www.wiseradvisor.com/designations-
detail~id~45~des~chartered-wealth-manager-cwm.asp)

22. 17 AAFM® @ Indian Financial Industry
Many Financial Services Organizations have joined
AAFM as Corporate Members
 These Corporate Members have agreed in writing to:
 Promote CHARTERED WEALTH MANAGER®
(CWM®) Certification at the organizational level by
encouraging their employees to undergo the
certification.
 Recognize the CWM® Certification as an eligible
advantageous qualification in the financial domain
area in their organization.

23. Promotes Wealth
Management and
Financial
Advisory
Standards in the
country
1.Offers SEBI &
Globally
recognized
CWM®
Certification
Establish
curriculum
design,
certification of
membership and
licensing
standards in
India
18 AAFM India
3
2
1

24. Events
 1. Annual
Wealth
Management
Convention
 2. Investor
Awareness &
Financial
Literacy
Programs
 3. AAFM
India as a CPE
Provider
1.Customized
Trainings & Content
2. 1. CPE Training
Provider
3. 2. One Day
Workshops
4. 3. E –Learning
Content
5. 4. Courseware,
Books or Booklets
6. 5. Corporate
Training’
7. AAFM finance Club
Membership
SEBI & Globally
Recognized
Certifications
1. 1. CWM®
2. 2. CTEPTM
3. 3. AFA®
4. 4. Ch.E®
5. 5. CREP®
6. 6. AWMTMs
19 What AAFM India offers?

25. 20 Milestones of AAFM India
1. AAFM India is an accredited CPE Provider for
NISM Certifications for Continuous Professional
Education
2. AAFM India premier certification i.e. Chartered Wealth
Manager (CWM) certification is accredited by NISM
under the Securities Exchange Board of India for
(Investment Advisers) Regulations, 2013 as one of the
mandatory certifications for the Financial Advisory
Services in India
3. Proud partner of Aditya Birla Sunlife Mutual Fund and
State Bank of India (SBI Wealth Dept.) for conducting
the training on Wealth Management for their employees
on the launch of Wealth Services by SBI. We are also
exclusive partners to SBI Wealth Department for E-
Learning Platform for their employees as part of their
mandatory learning process

26. 21 Milestones of AAFM India
4. AAFM India has already trained 15,000+
Professionals and is present across India by virtue of its
Education Providers & Trainers. AAFM India has
been handling corporate training's / events for State
Bank of India, Reliance Mutual Fund, Birla Sunlife
Mutual Fund, LIC Mutual Fund, DHFL Pramerica, NSDL,
CDSL, NSE, NISM, etc.
5. AAFM India certifications are well recognized by the
Financial Services Industry which includes our
Corporate Member like Angel Broking, Bharti-AXA Life
Insurance Co. Ltd, Birla Sunlife, Bajaj Capital, Indiabulls
AMC, L & T Mutual Fund, UTI Mutual Fund, ICICI
Securities, Reliance AMC, Karvy Private Wealth, Motilal
Oswal Wealth Management, etc,
6. As our Corporate Members they have agreed to give
preference to our certificants in the recruitment's at their
organization* and also by establishing the Financial
Services Industry Standards in India by undergoing our
certifications

27. 22
Global Presence - 150+ Countries &
Truly Global Since 1996…
USA Doha, Qatar Dubai, UAE
Mainland -
China
Kuwait City
Hong Kong
(SAR)
Taipei, Taiwan China Athens, Greece
Ghana, Africa

28. 23 AACSB Accreditation

29. 24 Press Release
Announce your new credential to your community.
Use the CWM press release template and send an
announcement to industry publications and the
business section of your local paper. The CWM Press
Release Template can be found at:
http://www.aafmindia.co.in/cwm-award-press-release

30. 25 Now that You are a CWM®
Always use CWM® after your name.
 Use it on:
 Business Cards
 Email Signature
 Resume (See below for sample language.)
 Corporate Photo ID
 Cover Letters
 Web Site
 Company Directories, Staff Listings
 Articles in Professional Publications
 Certificates, Diplomas, Name Plates, Badges
 Bios appearing on company web sites or in related
print materials
 We Give Design of Business Card and Logo on Card

31. 26 Continue to be a CWM®
Recertify.
You've worked hard to earn your credential, make
sure you hold on to it. Be sure to fulfil your
recertification requirements so you can remain a
CWM® throughout your career. Map out a plan to
earn the continuing education credit you need to
recertify and to stay up-to-date in the industry. See
the Recertification page for more information.

32. 27 Make a Mark with CWM®
1. Higher Salaries. Earn up to 26% more than your non-
certified peers.
2. Increases Job Security. Validates your competency in
fund management, capital and risk management
functions.
3. Better Career Flexibility. Prepares you for greater on-
the-job responsibilities.
4. Improves Marketability. Stand out against other
applicants in a tough job market.
5. Boosts Credibility. Attaining the Globally Coveted
Designation helps in boosting your credibility.
6. Cutting Edge Skills and Knowledge: The knowledge
and skills you gain on pursuing the program improves
your on job performance.

33. 28 Contribute Articles and Case Studies
Contribute Articles and Case Studies:
AAFM encourages CWM Certificants to contribute
articles and case studies which will be published on
AAFM Website with your authorship.
To know more mail at : info@aafmindia.co.in

34. 29 Inform Your Superiors
Immediately inform your Supervisor, CEO, and
HR manager of your new credential.
Request letters on AAFM stationary be sent to
announce your achievement. An Award Notification
Request Form can be downloaded at:
http://www.aafmindia.co.in/award-notification

35. 30 Join AAFM on Social Media
Get LinkedIn.
LinkedIn is a networking Web site that connects you to
your professional relationships. The CWM Group on
LinkedIn is a group where you can connect with your
certified wealth and finance peers, and boost your profile
by promoting your credential.
 You should also follow the AAFM Page on LinkedIn.
 Are you on Facebook? Join the CWM group on
Facebook, too.
 Are you on Twitter? Follow AAFM on Twitter

36. 31 Testimonial

37. 32
Scenario of Wealth
Management In India
ANUP BAGCHI
MD & CEO
ICICI Securities Ltd.
We are witnessing a very exciting phase in the financial
services sector and I believe that this phase is here to stay,
which will eventually change the way financial services
business is conducted in the Indian subcontinent.
India as an economy has embarked on a high growth
trajectory which results in higher GDP with higher
disposable income in the hands of individuals. This, coupled
with India's growing interaction with developed nations, has
exposed Indians to global financial service standards. These
and many more favorable factors have given rise to an
untiring demand for specialised financial services which
match the growing aspirations of young & emerging India
CWM® certification has emerged as a respected standard to
justify an individual's proficiency in understanding Wealth
Management Services and render world class Wealth
Management Solutions to affluent clients with the highest
standards of integrity.
Source: ICFL Customer Presentation

38. 33
Scenario of Wealth
Management In India
ASHISH KEHAIR
EVP & Head-Wealth Mgmt.
ICICI Securities Ltd.
The cornerstone of a successful Wealth Management firm is
the confidence it earns from its clients. These clients entrust
their financial desires and aspirations with the firm through
professional Wealth Managers representing the firm. It is
imperative that the Wealth Managers should have highest
levels of professional integrity backed by a deep
understanding of investment solutions that cater to the
exclusive needs of affluent individuals.
CWM® certification reinforces the high competency levels of
Wealth Managers and hence is fast gaining acceptance as a
preferred certification amongst many reputed Wealth
Management firms.
Source: ICFL Customer Presentation

39. 34 Corporate Members

41. 35 Eligibility
Eligibility Requirements:
 Minimum Graduation in any stream.
Renewal Requirements:
 Earn Continuous Professional Development
Point every year.

42. 36 CWM® Academic Requirements
Project Work
Level 2
Level 1
CWM®

43. 37 CWM® Curriculum
CWM® Level 1
 Concept of Wealth Management
 Indian & Global Financial System
 Investment Vehicles in Wealth Management
 Measuring Investment Risk & Returns
 Concept of Insurance & Risk Management
 Role of Wealth Management in Banking
 Legalities in Wealth Management
 Tax Laws in Wealth Management
 Life Cycle Management
 Intergenerational Wealth Transfer & Tax Planning

44. 38 CWM® Curriculum
CWM® Level 2
 Equity Analysis
 Alternative Products in Wealth Management
 Real Estate Valuation & Analysis
 Behavioral Finance in Wealth Management
 Relationship Management by a Wealth Manager
 Loan and Debt Management
 Portfolio Management Strategies
 International Tax & Trust Planning
 Wealth Management Planning
 Advanced Wealth Management

45. 39 Project Work
The candidates registered for the CWM® have to
mandatorily submit the project/assignment work to
AAFM India.
There are 2 Stages of Project Work
 Stage 1
 Project Objective: Gathering Financial Data from
a Real Client.
 Client Profile: Ideal client from whom we gather
the Data sheet should be married person with
kids and currently employed.
 Tools: Data Gathering Sheet and Excel Sheet
Provided to you at the time of Registration.
 Project Work:
1. Identify a Prospect fulfilling the above
criterion.
2. Tell the prospect about the benefit of Wealth
Planning and the steps involved in it.
3. Assure the prospect about the confidentiality
of Data. (We do not require the contact details
etc. of the prospect.)
4. On getting a consent from the prospect
ensure that the Data Gathering Sheet is filled
in your presence.

46. 40 Project Work
5. Replicate the Contents of the Data Gathering
Sheet to Excel File provided to you.
6. Ensure that you gather Complete, Correct
and Accurate Data.
7. Mail both the Files to AAFM India
 Due Date:
1. Compulsory Pathway: Before appearing
Level 1 Examination.
2. Experience Pathway: Before Appearing for
Level 2.
 Note: We do not require the contact details of the
client filling the Data Gathering Sheet.
 Stage 2
 Project Objective: Prepare a ‘WEALTH PLAN’
for a Real Client.
 Client Profile: Real Client Data is shared with the
Candidate.
 Tools: Data Gathering Sheet of a Real Client is
shared with the candidate. A sample Wealth Plan
is also shared.

47. 41 Project Work
 Process:
1. Thoroughly Study the Data Gathering Sheet.
2. Prepare the Personal Financial Statements for
the Client based on the Data Provided.
3. Follow the Wealth Planning Steps to prepare
a Wealth Plan for the Client.
4. Assume data that is required and not
provided put these as assumptions in the
Plan.
5. Prepare the working sheets on MS Excel to
do Scenario Analysis.
6. Present the Plan in a simple and easy to
follow format.
7. Use Graphics and Tables extensively.
 Due Date:
1. Candidate is sent the Project Work After
Clearing Level 2 Examination and Applying
for the Certification.
2. A time period of 15 Days is provided to
submit the Project Work.
3. The Candidates details would be forwarded
for issuance of the Designation only after
approval of the Project Work.

48. 42 Mode of Registration for CWM®
Compulsory Pathway
 The eligibility criterion to register for the CWM
certification through Compulsory Pathway is that
the candidate must have passed minimum 12th
Standard but minimum a graduate to hold the
certification.
Experience Pathway
 The eligibility criterion to register for the CWM
certification through Experience Pathway is that the
candidate must have passed Graduation with 3
years of minimum work experience.

49. 43 About CWM® Examination
2 Examinations- Level 1 and Level 2
 Compulsory Pathway Both Exams,
 Experience Pathway only One exam.
 Standardized Test randomly administered with
over 2000 Question Bank.
 Instantaneous Pass/Fail and Grade results.
 Delivered via a computer (5,000+ Pearson VUE
Centers worldwide)
 Level 1 Exam 55 Questions, 115 Minutes, 100
Marks, 50% Passing , No Negative Marking.
 Level 2 Exam 85 Questions, 175 Minutes, 160
Marks, 50% Passing , No Negative Marking.

50. 44 How to Enroll?
 Click on the link:
https://www.aafmindia.co.in/Certifications/Student
Registration.aspx

51. 45 Procedure to Enroll
1. Personal Details (Fill up personal details)
2. Certification / Education Provider
 Certification: CWM
 Pathway Mode:
 Compulsory Pathway (If the Relevant Experience
< 3 Years)
 Experience Pathway (If the Relevant Experience
>=3 Years)
 Corporate Pathway (If you are an employee of any
of the corporate members )
 Franchisee - AAFM INDIA DIRECT (In case of SELF
STUDY or else select the Franchisee)
 Franchise Branch - AAFM INDIA / Location of
Franchise
 Corporate Member: Select the Company Name in
case of Corporate Pathway or else SKIP the field

52. 46 Procedure to Enroll
 Work Experience - (Fill up work experience in
financial sector)
 Courseware - Online Study material and Paper back
Books ( Additional cost of 5500/- + GST)
3. Login Details
 Email ID: Fill your email id
 Upload Image: Upload Passport size Photograph
(Not Mandatory)
 Password: (Your Google Account Password)
Confirm the password
4. Contact Details ( Fill up your Correspondence Address)

53. 47 Fee Structure (Regular)
Fee Structure (Regular):
 Registration & Study Material FEE : Rs.29500-
(25,000/- + 18% GST)
 Examination FEE Level 1 : Rs.3000+18% GST
 Examination FEE Level 2 : Rs.3000+18% GST
 Certification FEE : USD 100
Note *: Registration & Certification Validity is 365 Days.
(Total Fee Payable at the time of Registration: Rs. 29500/-
(Inclusive of Online Study Material, Registration & Tax)

54. 48 AAFM Key Members
Deepak Jain, CWM
Country Head
Knowledge Management
91 9811033215
deepak@aafmindia.co.in
Dimple Mittal
Head-Admissions
91 9650159583
dimple@aafmindia.co.in
Vyas Rai Nagpal, CWM
Country Head-Marketing
91 9711797800
vyas@aafmindia.co.in
info@aafmindia.co.in
91-11 45120800, 43607455
For Admissions: