Several Individuals develop the habit of financial confident when going is good and all your needs & wants are being met without any scarcity of financial resources. They seem oblivion to the fact that it is during good times that planning should be done to face tough times with ease so that they can maintain the balance in life. Also many have the feel that they are knowledgeable and capable enough to take financial investment & planning decision on their own without any external help. This misguided approach often leads to bad decisions and choices often under the influence of some external sources who are more bent on selling the products without any need & risk analysis of the person buying the products. Once invested, the individual may feel satisfied in having taken a decision but its the time when the investment utility is demanded that the real test of the decision taken is judged and more often than not, Individual regret the decision taken. And this is where come the role of Registered Investment Adviser certified by SEBI who undertakes comprehensive review with risk analysis for each individual and advises on the best course for financial path to be undertaken and choice of products suitable to achieve the desired financial goals.