What is a professional financial planner? What does a financial planner do?

A financial advisor, or financial advisor, is a professional who provides comprehensive financial planning to clients. According to the National Professional Standards for Financial Planners formulated by the Ministry of Labor and Social Security of the People's Republic of China, financial planners refer to those who use the principles, techniques and methods of financial planning to provide comprehensive financial consulting services for the financial goals of individuals, families, small and medium-sized enterprises and institutions.

Financial planning requires a full range of services, so financial planners are required to have a comprehensive grasp of various financial instruments and related laws and regulations, to provide customers with tailor-made and practical financial solutions, and at the same time to meet the long-term and changing financial needs of customers in the continuous revision of the plan.

Professional qualities

1. Rich knowledge of finance, investment, economics and law. A financial planner should be:"All-round + specialist"This means that financial planners should systematically master economic, financial, investment, and legal knowledge, and be experts in some aspects, such as insurance, and have specialties in other aspects.

2. Good character and professional ethics. The client is a financial planner"Food and clothing parents"Financial planners should serve the interests of their clients and always think about them, rather than simply selling products to clients. In addition, it is also important to keep the client's personal confidentiality, and the financial planning process involves a lot of client privacy, as the client's personal financial advisor, you should keep it confidential.

3. Relative independence. Financial planners working in banks, **, and insurance companies have more or less the purpose of promoting products while making financial plans for customers, which is an objective problem. But the promotion of the product should be based on the interests of the customer, not be"Money for the sake of pitching"。

There will be a lot of them in society in the future"Independent wealth management company"These wealth management companies are more independent and are not attached to certain financial institutions, they are from the perspective of customers, to help customers choose investment products and achieve their financial goals.

Generally, a bank's financial planner is the bank's lobby manager or relationship manager! They are not regular employees of the bank, but they have been hired by the bank! When the contract expires, the bank can hire you again based on your performance or contribution to the bank!

So it can be said that his salary mechanism is the basic salary plus commission! The commission is the commission obtained by promoting various financial products!

Obtaining the financial planner training certificate is the first condition for the financial planner qualification applicant to obtain the financial planner qualification certification. After completing the training, passing the final examination, and obtaining the financial planner training certificate issued by an authorized educational institution, the applicant can apply to the China Financial Management Standards Committee to participate in the financial planner qualification examination. Applicants for financial planner qualifications must meet the following basic requirements:

1. Engage in financial management or financial management-related work in financial institutions, accounting firms, law firms and other institutions recognized by the China Financial Management Standards Committee; 2. Master's degree or above with more than 1 year of work experience, bachelor's degree with more than 2 years of work experience, college degree with more than 3 years of work experience, college degree or below with more than 7 years of work experience. Very professional, approved!

What should a financial planner be needed by a client?

Learn the know-how.

If you want customers to trust you, financial planners must be professional enough, and only with the corresponding professional knowledge can they bring more suitable asset allocation solutions to customers to help them achieve their wealth management goals. So, how should financial planners improve their professionalism?

In addition to learning documentation, consulting with seniors and discussing with peers can also help improve your professional skills. When you encounter any difficulties and questions in the process of employment, ask your seniors or peers in the industry for advice, and through discussion, you can find out what deficiencies you still have in the work process, and what aspects you can improve from which you can also bring more obvious help to your work.

Learn to tap new users and develop new businesses.

A good financial planner should not be limited to his own "one acre and three points of land": only focus on his existing customers to develop business; After all, wealth management products are unlimited, and if you want to go further in the industry, in addition to having a certain degree of professionalism, it is also important to maintain stable and continuous customer resources.

On the premise of ensuring that it is professional enough, a qualified financial planner should also dare to expand new business, whether it is with the help of the old or new or with their own skills to develop business, in the process of serving customers, you must be professional and intimate enough, so that old customers according to your professionalism to achieve financial planning, and in your good service under the harvest of a good user experience, when friends around you have financial needs, will be referred to you. Even if there are no referrals from existing clients, financial planners should continue to improve themselves in their work and be prepared to wait for the right time to find new users and develop new business.

Have a strong sense of responsibility.

For customers, they don't know enough about the industry, so what they need when investing and managing money is a reliable financial planner who can help them solve problems and reduce losses as soon as they have any problems. Therefore, when dealing with customers, in addition to showing our professionalism, our sense of responsibility should also be seen by customers. We should try our best to do a good job of the reasonable requirements put forward by customers, and give timely feedback to customers, so that customers can grasp the progress in real time.

The professional requirement of a financial planner is that he must be able to manage money, and he must have a financial planner's license, so that he can work with a certificate. Well, do some money management business. The requirement is not to disclose some information between finances.

If you want to become a financial planner, you can choose to study economics, finance, management, accounting and other majors in college, which are helpful for becoming a financial planner.

Financial planners refer to financial planners, who use the principles, techniques and methods of financial planning to provide comprehensive financial consulting services for the financial goals of individuals, families, small and medium-sized enterprises and institutions.

Financial planning requires a full range of services, so financial planners are required to fully grasp a variety of financial instruments and related laws and regulations, provide customers with tailor-made and feasible financial solutions, and at the same time meet the long-term and changing financial needs of customers in the continuous revision of the plan, so studying finance and management in college can lay a solid foundation for becoming an excellent financial planner in the future.

It may not be enough to just learn finance-related knowledge, a qualified financial planner must also have the following 7 knowledge areas, namely the basic knowledge of financial management, the basic knowledge of financial asset use, the basic knowledge of life design, the basic knowledge of real estate use, the knowledge of financial design of risk and insurance, the basic knowledge of tax-saving financial design, and the basic knowledge of property and property transfer design.

If you want to become a financial planner, you can choose to study economics, finance, management, accounting and other majors in college, which will help you become a financial planner.

Financial planner refers to a financial planner, who uses the principles, techniques and methods of financial planning to provide comprehensive financial consulting services for the financial goals of individuals, families, small and medium-sized enterprises and institutions.

Financial planning requires a full range of services, so financial planners are required to fully grasp a variety of financial tools and related laws and regulations, provide customers with tailor-made, practical financial solutions, and at the same time meet the long-term and changing financial needs of customers in the continuous revision of the plan, so studying finance and management in the university can lay a solid foundation for becoming an excellent financial planner in the future.

It may not be enough to just learn finance-related knowledge, but a qualified financial manager must also have the following 7 knowledge areas, namely the basic knowledge of financial management, the basic knowledge of financial asset use, the basic knowledge of life design, the basic knowledge of real estate use, the knowledge of financial design for risk and insurance balance, the basic knowledge of tax-saving financial design, and the basic knowledge of property and property transfer design.

Summary. An AFP is a professional who follows the six steps of the financial management process to help clients achieve their life goals. As a "financial planner", you must be able to correctly analyze and evaluate the financial situation of your customers, and tailor a reasonable financial plan for your customers according to their career stage and risk tolerance.

What does a financial planner do?

An AFP is a professional who follows the six steps of the financial management process to help clients achieve their life goals. As a "financial planner", you must be able to correctly analyze and evaluate the financial situation of your customers, and tailor a reasonable financial plan for your customers according to their career stage and risk tolerance.

That's what I did.

Financial planner.