What does your financial adviser cost you? If you cannot answer in one number, you already have the answer.

Fiduciary obligation — your interest must come first.

When you invested, did you pay a single rupee directly to the person selling you the product? The fee was real — it was built into the product, not billed separately.

India has fewer than 1,000 SEBI-registered Investment Advisers. It has over 61 lakh people licensed to sell you a financial product on commission — 31.23 lakh insurance agents, 27.18 lakh Point-of-Sale Persons, 2.75 lakh mutual fund distributors.