Guides
All PFS guides and questions
Every guide and answer on Personal Financial Stage by Quant Finance Lab (PFS by QFL), grouped by who it is for. PFS is education, not financial advice.
Start here (13)
- Before Choosing a Financial Product
- Before Making an Important Financial Decision
- Financial Clarity Before the Financial Decision
- Financial Surplus Assessment
- How PFS Works
- Know Where You Stand Financially
- PFS Assessment: Understand Your Personal Financial Stage
- PFS Disclaimer
- PFS Privacy and Data Control
- Prepare Before Speaking With a Financial Adviser
- Replace Financial Confusion with Financial Clarity
- Understand Your Financial Position
- What Is Personal Financial Stage (PFS)?
Real-life money questions (33)
- Am I financially ready to buy a house?
- Can I afford a car on my current salary?
- Financial Questions & Decisions
- How do I know whether my investments match my goals?
- How much can I actually afford to spend each month?
- How much do I need to retire in India?
- How much should I keep in my bank account?
- How much should I save for my child's education?
- How much term insurance do I need if I have dependants?
- How should couples combine finances after marriage?
- I am 40 and have not started retirement planning. What now?
- I changed jobs. What happens to my tax planning?
- I changed jobs. What should I review financially?
- I earn a lot but still cannot save. Why?
- I got married. What should I change financially?
- I have a lump sum. Should I invest it all at once?
- I have credit-card debt and SIPs. What should I do first?
- I have multiple loans. Which one should I pay off first?
- I lost my job and have EMIs. What should I do first?
- I received an inheritance. What should I do first?
- My employer gives health insurance. Do I still need my own?
- My father died and had a personal loan. What should I do?
- My spouse died. What financial things should I deal with first?
- Should I buy term insurance or investment-linked insurance?
- Should I invest now or wait for the market to fall?
- Should I prepay my home loan or invest the extra money?
- Should I take a personal loan to invest?
- We are having a baby. What should we change financially?
- What happens to a guarantor when a borrower dies?
- What happens to a home loan when the borrower dies?
- What happens to a personal loan after death?
- Where does my salary go every month?
- Why do people read my financial content but never enquire?
Financial clarity guides (56)
- Anonymous Financial Assessment
- Before Choosing a Loan
- Before Choosing an Investment
- Before Choosing Insurance
- Before Speaking to a Financial Adviser
- Can I Choose My Own Adviser on PFS?
- Choosing a Financial Professional
- Financial Assessment After New Financial Obligations
- Financial Assessment for Changing Income
- Financial Assessment for New Financial Goals
- Financial Assessment Without Adviser Pressure
- Financial Assessment Without Product Sales
- Financial Categories in PFS
- Financial Clarity Before Buying Insurance
- Financial Clarity Before Estate Planning
- Financial Clarity Before Investing
- Financial Clarity Before Retirement Planning
- Financial Clarity Before Taking a Loan
- Financial Clarity for Couples
- Financial Clarity vs Financial Advice
- Financial Conversation Preparation
- Financial Decision Readiness
- Financial Health Check: Know Where You Stand Financially
- Financial Position Check
- Financial Readiness Check
- Financial Report Before Meeting an Adviser
- How Long Is a PFS Assessment Valid?
- How Much Can I Afford to Invest?
- How to Choose a Financial Adviser in India
- How to Prepare for a Financial Adviser Meeting
- Multiple PFS Assessments
- Personal Financial Situation
- Personal Financial Stage Assessment
- PFS and Financial Professionals
- PFS and Financial Surplus
- PFS and Product Recommendations
- PFS and Return Guarantees
- PFS Assessment Privacy
- PFS Assessment Without an Account
- PFS Before Financial Products
- PFS Credits Explained: Assessment, Connection and Intake Credits
- PFS for Changing Life Stages
- PFS for Families
- PFS for First-Time Investors
- PFS for High-Income Households
- PFS for Irregular Income
- PFS for Multiple Financial Obligations
- PFS for People Starting Over
- PFS for People Who Feel Financially Confused
- Prepare for a Financial Conversation
- Reassess Your Finances After a Life Change
- Understanding Household Financial Surplus
- What Information Should I Give a Financial Adviser?
- What Is a PFS Assessment Report?
- Where Did My Financial Surplus Go?
- Who Built Personal Financial Stage (PFS)?
For financial advisers (94)
- Accept or Decline PFS Connection Requests
- Adviser Choice of Clients on PFS
- Adviser Contact Sharing and Consent
- Anonymised Financial Snapshot for Advisers
- Anonymous Client Financial Profile
- Can a financial assessment replace a CRM?
- Can a financial assessment replace a fact-find?
- Can an Adviser Add a Website to PFS?
- Client Readiness for Financial Advisers
- Does Declining a PFS Request Cost an Adviser a Credit?
- Does PFS Call Advisers to Sell Credits?
- Fee Transparency Before Adviser Connection
- Financial Adviser Client Discovery
- Financial Adviser Client Intake Assessment
- Financial Adviser Client Onboarding and Intake
- Financial Adviser Client Readiness
- Financial Adviser Experience on PFS
- Financial Adviser Fee Transparency on PFS
- Financial Adviser Fees: What to Understand Before You Connect
- Financial Adviser Introduction Video on PFS
- Financial Adviser Languages on PFS
- Financial Adviser Lead Generation: What Happens Before the Lead?
- Financial Adviser Photo on PFS
- Financial Adviser Products Covered
- Financial Adviser Profile Transparency
- Financial Adviser Registration Verification on PFS
- Financial Adviser Specialisation on PFS
- Free Financial Adviser Listing
- How can a financial adviser build trust before the first meeting?
- How can financial advisers get clients from Instagram?
- How can financial advisers get clients from LinkedIn?
- How can financial advisers get clients from referrals?
- How can I get clients to prepare their financial information before a meeting?
- How can I get quality financial advisory clients?
- How can I qualify financial advisory enquiries before the first meeting?
- How can I reduce the time I spend collecting basic client information?
- How can I show value before asking someone to become a client?
- How can I tell whether a financial planning prospect is actually ready to talk?
- How do I choose a financial adviser?
- How do I collect structured financial information from prospects?
- How do I compare two financial advisers?
- How do I measure whether my marketing produces useful financial prospects?
- How do I reduce time spent on basic client discovery?
- How much does a financial adviser cost in India?
- How much does it cost to acquire a financial-advisory client?
- How much should a financial adviser spend on Meta ads?
- Is buying financial leads better than building my own audience?
- Is Connecting to an Adviser Mandatory?
- Is Meta advertising worth it for financial advisers?
- Is PFS a Lead Generation Platform for Advisers?
- PFS Adviser Directory
- PFS Adviser Directory and Paid Ranking
- PFS Adviser Intake Audience Size
- PFS Adviser Intake Link
- PFS Adviser Listing Free and No Time Limit
- PFS Adviser Listing Setup
- PFS Adviser User Chat
- PFS and Professional Selection
- PFS Before Financial Consultation
- PFS Connection Credit for Advisers
- PFS Connection Credits
- PFS for Financial Advisers
- PFS Frequently Asked Questions
- PFS Intake Credit
- PFS Intake Credits
- PFS Intake for an Adviser’s Existing Audience
- PFS Intake vs Connection
- PFS vs CRM
- PFS vs CRM for Financial Advisers
- PFS vs Lead Generation
- Prepare Clients Before the First Financial Meeting
- Prepared Clients for Financial Advisers
- Professional Profile on PFS
- Qualified Financial Adviser Leads vs Prepared Clients
- Reduce Basic Discovery Time for Advisers
- Should a financial adviser build a website or focus on social media?
- Should I send prospects a financial questionnaire before the first meeting?
- Structured Client Discovery for Financial Advisers
- Use PFS With Existing Financial Audience
- User Choice in the PFS Adviser Directory
- What can a financial adviser offer before asking for a meeting?
- What financial information should a new client prepare before meeting an adviser?
- What Happens When an Adviser Runs Out of PFS Credits?
- What information should a prospect provide before meeting a financial adviser?
- What is the difference between a financial lead and a prepared prospect?
- What Should a Financial Adviser Put in a PFS Profile?
- What should I ask a financial adviser before investing?
- What should I ask a new financial-planning client before the first meeting?
- When Are Adviser Contact Details Revealed on PFS?
- Where can I get financial advisory clients without paying for leads?
- Where can I get financial planning clients?
- Who Pays for PFS Assessments Through an Adviser Intake Link?
- Why am I paying for financial-adviser leads that do not convert?
- Why are my financial advisory leads not converting?