If you’re in your 20s or 30s and just starting your career or getting used to steady employment, you might believe hiring a financial advisor is something you’ll worry about “later.” But here’s the truth: the greatest time to hire a financial advisor is now, when you’re young. If you start early, you’ll have a huge head start on making money, staying out of debt, setting large life goals, and adopting good money habits that will last a lifetime.
A financial advisor can help you make better decisions about your money, whether you’re planning your investments, managing your salary, purchasing your first home, or just learning how to save correctly. This is especially true if you’re just starting out. Platforms like ET Money, Scripbox, INDmoney, and Purplepond even provide financial planning tools and expert help that are easy for beginners to use and are made just for young professionals.
This blog will talk about why it’s important to get financial advice early on, what sort of help you truly need, and how to pick the best financial advisor or platform for your specific goals.
Why Young Professionals Shouldn’t Put Off Getting Financial Advice
Let’s do rid of the fallacy that “I don’t make enough money yet to need a financial advisor.
That’s exactly why you should think about getting one immediately. Here’s why seeking financial guidance early can change your life:
1. You Start Making Good Habits Early
No one teaches you how to budget, save, invest, or handle debt in school. An advisor can help you get a good start on your money before you start making terrible choices.
2. You Have Time
Investing merely ₹5,000 a month in your 20s can make you far richer than starting with ₹15,000 a month in your 40s, according to the power of compounding.
3. You Don’t Make Costly Mistakes
It could seem good to try to manage your money on your own, but you could end up with the wrong insurance policy, a bad investment, or missing out on ways to save on taxes.
4. Make a Plan for Your Big Life Goals
Want to buy a house, see the world, get married, or retire early? Planning is necessary for all of them, and a financial advisor can help you see the way.
What a Financial Advisor Can Do for Young Professionals
You don’t need a lot of money or complicated portfolios to get help from an advisor. Here’s how they support people like you who are just starting off in their careers:
- Budget planning based on your income and expenses
- Debt management (especially if you have education loans or credit card balances)
- Emergency fund creation so you’re ready for the unexpected
- Investment planning based on your goals and risk appetite
- Tax optimization using the right mix of instruments (like ELSS, PPF, NPS)
- Insurance guidance for life, health, and even critical illness
- Goal-setting for short-term and long-term financial goals
The finest advisors will help you do more than just “save money.” They’ll assist you make sensible, forward-thinking choices that fit with the life you want to build.
Should you hire a traditional advisor or use an online platform?
As a young professional, you may be more comfortable with apps than with appointment-based financial planners. And that’s perfectly okay. Today’s online financial advisor platforms are designed to be beginner-friendly, affordable, and effective.
Let’s compare both briefly:
| Type | Pros | Cons |
|---|---|---|
| Traditional Advisor | Personalized attention, custom strategies | Higher fees, longer turnaround times |
| Online Platforms | Lower cost, mobile-friendly, fast setup | Less human interaction (in some cases) |
For most young professionals, starting with an online platform (and upgrading to hybrid/human advisors later) is the smartest move.
Best Financial Advisor Platforms for Young Professionals in 2025
Here are some of the best platforms for young people who want to manage and develop their money:
1. ET Money
Why it’s great: It has a simple, easy-to-use app that helps with budgeting, mutual fund investing, insurance, and saving money on taxes.
- Smart suggestions based on your goals
- Automatically finds and helps you keep track of your spending
- Includes tools for saving on insurance and taxes
Best for: People with jobs who want to save the most money
2. Scripbox
Why it’s great: It helps you figure out where you are financially and make plans for the future.
- Investing based on goals (for a house, car, travel, or retirement)
- Regular reviews and rebalancing
- SEBI-registered advisors on premium plans
Best for: people who want to invest without paying fees
3. INDmoney
Why it’s great: It lets you see everything about your finances in one place.
- Keeps track of credit cards, insurance, investments, debts, and even net worth
- Also lets you invest in U.S. stocks
- Has free tools and paid plans available
Best for: Young professionals who want to see the whole picture
4. Purplepond
Why it’s great: It’s a 100% direct mutual fund platform, so there are no hidden fees.
- Lets you invest based on your goals
- Gives you free access to tools and advice
- No ads on the UI
Best for: People who seek a clear financial plan with help from experts
Important Things Young Professionals Should Look For
When choose a platform or advisor, look for these things:
✅ Low Costs
You’re only getting started, so stay away from sites that impose large fees that cut into your returns.
✅ Mapping Out Your Goals
It should help you set objectives like “buy a car in three years” or “retire early at 50” and teach you how to attain them.
✅ Easy to get to and use on the go
The platform should be easy to use, especially if you’re managing money while you’re on the go.
✅ Help from People When You Need It
Even if you like applications better, being able to chat to a live advisor every now and then is quite helpful.
How to Get Started (Even If You Don’t Know What to Do)
You don’t have to know everything. Just go one step at a time:
1. Keep track of your monthly income and expenses
2. Make an emergency fund (3 to 6 months’ worth of costs)
3. Start investing in mutual funds through SIPs (even ₹500 a month counts)
4. Get basic health and life insurance
5. Use a platform that helps you
And don’t forget that no objective is too modest or too far away to plan for.
Final Thoughts
Getting financial guidance early is one of the finest things you can do for your money right now, even if you don’t make a lot of money yet. The sooner you start, the easier it will be to make money, stay out of debt, and live the life you want without worrying about money.
It’s crucial to take action, whether you choose an app like ET Money, Purplepond a whole platform like Scripbox, or just wish to start with simple SIPs on Groww or Kuvera.
