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Wealth Tiers

4 min read

Overview

Every questionnaire is assigned a wealth tier based on income and assets. This tier determines lead pricing and helps you target the right clients.

Understanding Wealth Tiers

Every questionnaire submitted to Riafin is automatically assigned a wealth tier based on the user's financial profile. This tier system ensures appropriate pricing and helps advisors target clients aligned with their practice.

The Four Wealth Tiers

Retail

Profile:

  • Standard investors and financial planning clients
  • Moderate income and asset levels
  • Entry-level or growing wealth

Pricing:

  • Base price (lowest tier)
  • May count toward monthly free limits for paid subscribers
  • Only unmatched retail leads eligible for free limits

Best For:

  • Advisors building client base
  • Volume-focused practices
  • Newer advisors gaining experience

Affluent

Profile:

  • Higher net worth individuals
  • Significant investable assets
  • Complex financial needs

Pricing:

  • Base price × 1.5 multiplier
  • Must be purchased individually
  • Does not count toward free limits

Best For:

  • Established advisors
  • Higher-value client relationships
  • Specialized service providers

HNI - High Net Worth Individuals

Profile:

  • Substantial wealth and assets
  • Sophisticated investment needs
  • Require comprehensive planning

Pricing:

  • Base price × 2.0 multiplier
  • Must be purchased individually
  • Does not count toward free limits

Best For:

  • Senior advisors
  • Wealth management specialists
  • Full-service practices

UHNI - Ultra High Net Worth Individuals

Profile:

  • Exceptional wealth levels
  • Complex multi-faceted needs
  • Premium service expectations

Pricing:

  • Base price × 2.5 multiplier
  • Must be purchased individually
  • Does not count toward free limits

Best For:

  • Elite advisors
  • Family office services
  • Ultra-high-net-worth specialists

Wealth Tier Assignment

How Tiers Are Calculated

The system automatically assigns a wealth tier based on:

Income Factors:

  • Annual income in lakhs
  • Income stability and sources
  • Growth trajectory

Asset Factors:

  • Cash and liquid assets
  • Investment portfolios
  • Real estate holdings
  • Retirement accounts
  • Stock investments

Composite Scoring:

  • Algorithm weighs multiple factors
  • Assigns appropriate tier automatically
  • Tier displayed on lead profile

Tier Characteristics

Tier Multiplier Free Eligible Typical Profile
Retail 1.0× Yes (retail unmatched only) Standard investors
Affluent 1.5× No High net worth
HNI 2.0× No Very high net worth
UHNI 2.5× No Ultra high net worth

Monthly Free Limits

Retail Unmatched Lead Limits

Free Plan:

  • 0 leads per month
  • Must purchase all leads

Bronze Plan:

  • 1 retail unmatched lead per month
  • Additional leads must be purchased

Silver Plan:

  • 3 retail unmatched leads per month
  • Additional leads must be purchased

Gold Plan:

  • 6 retail unmatched leads per month
  • Additional leads must be purchased

Important Notes

  • Only retail unmatched leads count toward monthly free limits
  • System-matched retail leads must still be purchased
  • Meeting-booked leads must always be purchased
  • Affluent, HNI, and UHNI leads are never free

Pricing Examples (Illustrative)

Note: The examples below use placeholder amounts for illustration. Actual pricing varies by lead type and is subject to change. Check your Pro Dashboard for current rates.

Example Calculations

Example 1: Retail Tier Lead

  • Base price: ₹X
  • Multiplier: 1.0×
  • Subtotal: ₹X
  • Plus GST (18%): ₹X × 0.18
  • Total: ₹Y
  • If on Silver plan and unmatched: May count toward free monthly limit

Example 2: Affluent Tier Lead

  • Base price: ₹X
  • Multiplier: 1.5×
  • Subtotal: ₹X × 1.5
  • Plus GST (18%)
  • Total: ₹Y
  • Must purchase (not eligible for free limits)

Example 3: HNI Tier Lead

  • Base price: ₹X
  • Multiplier: 2.0×
  • Subtotal: ₹X × 2.0
  • Plus GST (18%)
  • Total: ₹Y
  • Must purchase (not eligible for free limits)

Example 4: UHNI Tier Lead

  • Base price: ₹X
  • Multiplier: 2.5×
  • Subtotal: ₹X × 2.5
  • Plus GST (18%)
  • Total: ₹Y
  • Must purchase (not eligible for free limits)

Strategic Considerations

Targeting by Tier

Retail Focus:

  • Higher volume, lower individual value
  • Build broad client base
  • Good for newer advisors

Affluent/HNI Focus:

  • Moderate volume, higher value
  • Specialized services
  • Established practices

UHNI Focus:

  • Low volume, very high value
  • Premium services required
  • Elite advisor positioning

Tier Mix Strategy

Many successful advisors maintain a mix:

  • 60% Retail: Volume and steady growth
  • 30% Affluent: Higher value relationships
  • 10% HNI/UHNI: Premium opportunities

Viewing Wealth Tiers

In the Dashboard

  • Wealth tier displayed on each prospect card
  • Filter prospects by tier
  • See tier multipliers before purchase

At Purchase

  • Tier clearly shown in checkout
  • Final price calculated with multiplier
  • GST (18%) added to total

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