Who can enroll
Anyone who has passed 12th grade can register. Graduation is required before the final certification is conferred - final-year students can enroll and study now.
Recognized and accepted by leading institutions
Exams are booked through authorized testing partners across 75+ Indian cities.
Academic & institutional acceptance
Trusted & recognised worldwide
The shift
No HNI-specific framework
Retail banking training does not prepare you for the complexity of high-net-worth planning.
Fragmented product knowledge
Equity, insurance, real estate, alternatives and taxation held in isolation rather than one strategy.
No behavioral foundation
Without behavioral finance, even technically correct advice gets rejected.
Missing the credential employers screen for
A credential gap becomes a career ceiling.
What is the Chartered Wealth Manager® designation?
CWM® is a professional certification in wealth management and financial planning, conferred through American Academy of Financial Management® global standards and delivered in India by AAFM® India. It is a designation, not just a course: you complete a structured curriculum, pass the certification exams, and earn the right to use the CWM® mark after your name.
Who earns the CWM®?
Relationship managers & bankers
Move from selling products to advising portfolios. With 3+ years in BFSI, skip Level I entirely.
Financial planners & investment advisors
Extend a financial planning practice into holistic wealth management for affluent clients.
MF distributors & insurance advisors
Serve wealthier clients with a credential that signals advisory depth.
CAs & finance professionals
Add wealth management and financial planning to an existing practice.
MBA / B.Com / BBA students & graduates
Differentiate yourself in placements before you have experience to point to.
Stock brokers & equity advisors
Expand into holistic wealth, estate, and financial planning.
If you already work with clients' money - or intend to - CWM® is built for you. If you are looking for a basic personal-finance course, this program will be more than you need.
Trusted by Leading Employers
Our certifications open doors to top companies across the finance industry.
INDIA
INTERNATIONAL
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Program Overview
The fast-changing investment world demands professionals who can comprehend complex products and assess investors' needs and design appropriate investment strategies. The Investment Structures, Deal Mandates & Product Suitability course aims to build practical knowledge of investment products, advisory mandates, transaction frameworks and responsible investment client recommendations.
The course offers a systematic learning path on traditional and alternative investments, client profiling, designing mandates, product due diligence and suitability assessment. It facilitates linking investment goals with risk, return, liquidity, cost, tax and regulatory issues, and ensures transparency and protects the clients' interests.
- Investment Product Structures: Knowledge about Mutual funds, ETFs, Direct equity, Fixed income, REITs, InvITs, Insurance products, PMS, AIFs and Structured Products
- Deal Mandate Management: Take an in-depth look at the concepts of dealing mandate management, including the definition of mandate types, what the transaction objectives are, the scope of work, success criteria, and dealing documentation required for an engagement.
- Client and Product Suitability: Evaluate client objectives, risk appetite, time horizon and liquidity requirements to ensure products are suitable for the client.
- Responsible Advisory Practices: Build in-depth knowledge of due diligence, disclosure of risks, investor consent, conflict management and mis-selling prevention.
Why structured preparation makes all the difference
Most professionals struggle with investment structuring and product selection not because they lack knowledge, but because:
- They do not follow a structured framework for evaluating investment products and advisory mandates
- Product features are often studied theoretically rather than applied to real client situations
- Information about investment structures, risks, liquidity, costs and taxation remains fragmented
- Client objectives, risk profiles and product suitability are not connected through a guided decision-making process
How We Help You Succeed:
This course addresses these gaps by providing an organized, concept-driven learning journey that explains how investment structures and deal mandates work, how products are evaluated across risk, return, liquidity, cost and regulatory factors, and how suitable recommendations are developed for real client requirements.
A complete wealth management and financial planning skill set
Advise, not sell
Run the complete advisory process - discovery, analysis, planning, implementation, review - for affluent and HNW clients.
Construct portfolios
Apply asset allocation, risk-adjusted return measurement, and rebalancing across asset classes.
Plan across generations
Build plans spanning wills, trusts, HUFs, and succession - navigating Indian and international tax.
Use technology intelligently
Understand AI, robo-advisory, and algorithmic tools - and communicate recommendations that win trust.
Your journey from enrollment to charter
No uncertainty after payment
01
Enroll online
Pay securely. Your LMS access activates within 24 hours.
02
Receive study material
Digital courseware unlocks in your portal within 24 hours.
03
Learn on your schedule
236 lessons, 28+ hours of recorded instruction, on mobile and desktop, for 12 months.
04
Join a live batch Live tier
Weekend batches start every month. Our team notifies you of your batch after enrollment.
05
Revise with recordings
Every live session is recorded and available in your portal.
06
Test yourself
Chapter practice questions and full-length mocks mirror the real exam.
07
Book your exam
Schedule online via authorized testing partners across India.
08
Earn your CWM® charter
International certification and membership of the global alumni network.
Faculty
◆Learn from practitioners, not presenters
Dr. Deepak Jain
Director & Co-founder, AAFM® India
25+ years in wealth management and estate planning. Author of 26 books on finance; has led AAFM India to train 45,000+ individuals including 30,000+ wealth managers.
Saurabh Jain
Faculty, AAFM® India
CA, CS, CFA, FRM, CFP (US), CWM®, CTEP, CISI (UK), CCRA, CIRA, AIM
A multi-credentialed finance professional bringing deep expertise across accounting, risk, wealth management and estate planning.
Himanshu Patodi
VP – HSBC Bank
CWM, CTEP, IIM-Mumbai
A transformational leader with 2 decades of experience in global premier banking, designing wealth strategies that bridge borders, insights and legacies.
The curriculum: 20 units, two levels, one integrated framework
Foundation builds your base across markets, tax, insurance, banking, financial planning, and estate transfer. Advanced develops specialist depth in analysis, alternatives, behavioral finance, and portfolio strategy. Every unit maps directly to the CWM® certification exams.
Investment Structures Deal Mandates and Product suitability 72 Lessons 00:00:00
Chapter-1 The-Investment-Advisory-Landscape-and-Investment-Structures
3 Lessons
00:00:00 Hours
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E-book The Investment Advisory Landscape and Investment Structures
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The-Investment-Advisory-Landscape-and-Investment-Structures
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Chapter-2 Advisory Mandates Discretionary vs. Non-Discretionary
3 Lessons
00:00:00 Hours
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E-book Advisory Mandates - Discretionary vs. Non-Discretionary
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Advisory Mandates Discretionary vs. Non-Discretionary
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Chapter-3 Investment policy statement design
3 Lessons
00:00:00 Hours
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E-book Investment Policy Statement - Design, Governance and Review
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Investment-policy-statement-design.pptx
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Chapter-4 Mutual Funds ETFs and Direct Equity.pptx
3 Lessons
00:00:00 Hours
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E-book Mutual Funds, ETFs and Direct Equity
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Mutual-Funds-ETFs-and-Direct-Equity.pptx
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Chapter-5 Fixed Income Debt Funds REITs AND InvITS.pptx
3 Lessons
00:00:00 Hours
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E-book Fixed Income, Debt Funds, REITs and InvITs
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Fixed Income Debt Funds REITs AND InvITS.pptx
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Chapter-6 Insurance Linked and Retirement Products.pptx
3 Lessons
00:00:00 Hours
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E-book Insurance-Linked and Retirement Products
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Insurance Linked and Retirement Products.pptx
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Chapter-7 Portfolio Management Services (PMS).pptx
3 Lessons
00:00:00 Hours
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E-book Portfolio Management Services (PMS)
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Portfolio Management Services (PMS).pptx
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Chapter 8: Alternative Investment Funds Categories and Structure
3 Lessons
00:00:00 Hours
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E-book Alternative Investment Funds - Categories and Structure
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Alternative-Investment-Funds-Categories-and-Structure.pptx
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Chapter-9 Private Markets, Private Credit and Venture Capital Structures.pptx
3 Lessons
00:00:00 Hours
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E-book Private Markets, Private Credit and Venture Capital Structures
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Private Markets, Private Credit and Venture Capital Structures.pptx
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Chapter 10: Structured Products International Investments and Family Office Structures
3 Lessons
00:00:00 Hours
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E-book Structured Products, International Investments and Family Office Structures
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Structured Products International Investments and Family Office Structures.pptx
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Chapter 11: Client Profiling Goals Objectives and Life Stage Planning
3 Lessons
00:00:00 Hours
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E-book Client Profiling - Goals, Objectives and Life-Stage Planning
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Client Profiling Goals Objectives and Life Stage Planning.pptx
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Chapter 12: Risk Profiling Tolerance Capacity and Behavioural Biases
3 Lessons
00:00:00 Hours
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E-book Risk Profiling - Tolerance, Capacity and Behavioural Biases
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Risk Profiling Tolerance Capacity and Behavioural Biases.pptx
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Chapter 13: Investment Objectives Time Horizon and Liquidity Assessment
3 Lessons
00:00:00 Hours
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E-book Investment Objectives, Time Horizon and Liquidity Assessment
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Investment Objective Time Horizon And Liquidity Assement pptx
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Chapter 14: Product Suitability Assessment and Mis-Selling Prevention
3 Lessons
00:00:00 Hours
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E-book Product Suitability Assessment and Mis-Selling Prevention
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Product Suitability Assessment and Mis Selling Prevention.pptx
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Chapter 15 : Understanding Deal Mandates Types Scope and Engagement Structures
3 Lessons
00:00:00 Hours
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E-book Understanding Deal Mandates - Types, Scope and Engagement Structures
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Understanding Deal Mandates Types Scope And Engagement Structures.pptx
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Chapter 16: Transaction Objectives Sell Side Buy and Fund Raising Dynamics
3 Lessons
00:00:00 Hours
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E-book Transaction Objectives - Sell-Side, Buy-Side and Fund-Raising Dynamics
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Transaction Objectives Sell Side But Side And Fund Raising Dynamics.pptx
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Chapter 17: Scope of Work, Success Criteria and Mandate Documentation
3 Lessons
00:00:00 Hours
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E-book Scope of Work, Success Criteria and Mandate Documentation
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Scope of Work, Success Criterian and Mandate Documentation
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Chapter 18: Risk, Return and Investment Mathematics Across Product Categories
3 Lessons
00:00:00 Hours
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E-book Risk, Return and Investment Mathematics Across Product Categories
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Risk, Return and Investment Mathematics Across Product Categories.pptx
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Chapter 19: Cost, Liquidity, Lock-in and Tax Comparison Framework
3 Lessons
00:00:00 Hours
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E-book Cost, Liquidity, Lock-in and Tax Comparison Framework
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Cost, Liquidity, Lock-in and Tax Comparison Framework
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Chapter 20: Product Due Diligence Regulatory Complexity and Investor Protection
3 Lessons
00:00:00 Hours
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E-book Product Due Diligence, Regulatory Complexity and Investor Protection
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Diligence Regulatory Complexity and Investor Protection.pptx
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Chapter 21 : Building the Recommendation Client Fit Asset Allocation and Product Alignment
3 Lessons
00:00:00 Hours
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E-book Building the Recommendation - Client Fit, Asset Allocation and Product Alignment
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Building-the-Recommendation Client Fit Asset Allocation and Product Alignment.pptx
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Chapter 22: Suitability notes risk, disclosure and Client Consent
3 Lessons
00:00:00 Hours
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E-book Suitability Notes, Risk Disclosure and Client Consent
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Suitability Notes Risk Disclosure and Client Consent.pptx
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Chapter 23: Conflict of Interest Ethics and Professional Conduct
3 Lessons
00:00:00 Hours
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E-book Conflict of Interest, Ethics and Professional Conduct
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Conflict-of-Interest-Ethics-and-Professional-Conduct.pptx
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Chapter 24: Review Processes Transparency and Responsible Advisory Practice
3 Lessons
00:00:00 Hours
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E-book Review Processes, Transparency and Responsible Advisory Practice
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Review Processes Transparency and Responsible Advisory Practice.pptx
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Our alumni work at India's leading wealth institutions
CWM® charterholders serve in private banking, wealth advisory, financial planning, and portfolio roles across these organizations — part of a 300,000+ global alumni network.
Your charter - tangible, verifiable, yours
Verified in seconds
Every CWM® charter can be verified online by employers and clients at AAFM India's official verification page. Your designation is a credential, not a claim - and verification is what separates the two. Use the CWM® mark after your name on your resume, LinkedIn, business card, and client communication. CertificationValidityChecks
Two routes, one charter
Eligibility & pathways
Compulsory Pathway
For students and early-career professionals - study both levels, pass both exams. Exam eligibility after 60 days of registration.
Experience Pathway - the professional fast track
Graduates with 3+ years of work experience in BFSI are exempt from the Level I exam and its fee, and sit directly for Level II, with exam eligibility after just 30 days. One exam stands between you and the CWM® charter.
Email employment proof to confirm eligibility →Career outcomes
◆What CWM® roles pay in India
| Role | Typical range | Average |
|---|---|---|
| Chartered Wealth Manager® | ₹10–29 LPA | ≈ ₹12 LPA |
| Relationship / Wealth Manager | ₹6–19 LPA | — |
| Private Banker | ₹12–30 LPA | — |
In an AAFM® India alumni survey, CWM® holders reported a ~27% average salary increase within 12 months.
Market salary ranges in India from public sources (Glassdoor, Indeed, 6figr), 2025. Compensation varies by employer, city, experience and individual performance; AAFM® India does not guarantee employment or salary levels.
Why now
◆The demand behind the credential
8.5L+
HNI & UHNI families in India
Hurun India Wealth Report 2025
22%
BFSI industry growth, CAGR
Business Standard
1L+
Wealth advisors needed by 2030
McKinsey, 2025
30+
Corporate hiring partners
AAFM® India
In their own words
◆Charterholder stories
CWM® holders on what the credential changed for them.
How CWM certification fast-tracked his career - an honest review.
Adarsh Kumar Provitt Consultants
Why CWM is the program he recommends.
Naimish Kumar Parmar Bank of BarodaGlobal community
◆ AAFM®-certified professionals practise in the world’s major financial centres
Self-paced or live
◆Choose your Study Mode
Two ways to earn the CWM® charter. Both include your student registration fee and 12-month LMS access, both lead to the same charter, and exam fees are separate.
Study on your own schedule
₹11000
+ 18% GST
₹12980 payable today
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