About financial planners, the career requirements of financial planners

Based on my personal experience, I hope it will be helpful to you.

Generally speaking, the recognition of wealth management certificates issued by the Ministry of Labor is not as high as that of the AFP CFP, because the founder of the latter, Mr. Liu Hongru, served as the chairman of the China Securities Regulatory Commission and has a very good relationship with the four major banks, which has promoted the tendency of banks to recognize financial professional qualifications. In addition, the international recognition of the institution is also good, which has caused the company to understand the situation of the bank, and will ask how many Ps it has, and the banking industry regards this as an important indicator.

If you want to get into a bank and the financial conditions allow, it is recommended to take this down, it will be more helpful. Not necessarily if you want to find a job in financial sales, and if you want to do investment research, CFA may be a better fit for you.

Another thing to talk about is that if you want to be a third-party financial planner, you may need to make more preparations for starting a business, and as a third-party financial planner who is already running, I am willing to communicate with you more. msn

Of course, the Financial Standards Council's "AFP.""with"CFP". The Ministry of Labor, banks and insurance companies do not recognize it, and of course the tuition fee is much more expensive. After learning it all, about 30,000.

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.

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 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.

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.

<> application requirements are:

1. Continuously engaged in the profession for 6 years;

2. College degree or above in finance;

3. College degree or above in non-financial related majors, engaged in finance-related work for 1 year.

The job description of a financial planner includes:

1. Provide professional financial products and services according to the needs of customers;

3. Regularly receive professional financial management business counseling and lectures;

4. Follow-up service for insured customers;

5. Set up and manage the team.

Certificate Levels Financial Planner Beginner, Intermediate, Advanced.

A real financial planner does not belong to any traditional financial institution (the traditional institutions here refer to banks, brokers, and insurance). Restricted by the country's financial supervision, traditional financial institutions cannot be truly comprehensive. Although some financial groups, such as Ping An, Everbright, and China Merchants, have almost all obtained all their financial licenses.

But they are all operated separately, and working in these financial institutions, we have no access to all the investment tools and projects.

What's more, what I mean by really comprehensive is not only to understand the investment projects and tools of a single company, but also to understand all the investment projects and tools on the market, and even to understand the investment projects and tools around the world. This is something that no traditional financial company can do at present.

At present, traditional financial institutions still prefer to do the sales of financial products. For example, if you work in a bank, you mainly take deposits or sell some wealth management products.

If it is an insurance company, it is mainly to sell insurance, or with some other sales services. If it is a brokerage, it is mainly to do brokerage business, or sell some brokerage wealth management products. In addition, there will be pressure on income and performance, so in traditional financial institutions, there is no way to produce real financial planners.

However, true independence is something that many people can't do at present, after all, we need an income to support us to continue living. Without a complete system, it is directly independent, and there is no income at the beginning, which is also an important reason hindering the development of financial planners. However, only when we are truly independent can we plan and provide services from the perspective of customers without being restricted by financial institutions.

1.Financial Expertise:

Expertise refers to concepts, principles, theories, etc., that have been rigorously certified and tested over time, similar to the knowledge we receive in universities. The most effective way to test the professional knowledge of financial planners is to obtain a professional license.

Market knowledge refers to the new forms and new problems that are constantly emerging in various elements related to wealth management business. The improvement of market knowledge should be "updated" to be precise. The delivery of this kind of knowledge should be carried out at a steady frequency.

However, different frequencies of advertising target different types of knowledge.

2.Professional appearance.

Make your customers feel that your dress, speech and demeanor match who you are. Those who sell fodder are dressed up as working people; Those who sell airplanes are dressed up as business people; To sell financial products, of course, you have to dress professionally. Whatever you do, you have to look like, and your behavior must also be in line with it.

This is the foundation of primary trust.

First of all, if you want to become a financial planner, obtaining a financial planner certificate is the most basic condition for financial planners, but in order to become a qualified financial planner, it is far from enough to have a certificate.

A financial advisor, or financial advisor, is a professional who provides comprehensive financial planning to clients.