What professional qualities should a financial planner have?

When I participated in AFP training in the bank, I chose the most difficult book, Investment Planning, in the face of many professional books.

As we all know, investment planning is the most obscure of all the courses planned by financial planners, and the formulas in it are a headache for everyone. Although I am still a graduate of the Accounting Department of Zhongnan University of Finance and Economics, I got 142 in the advanced mathematics full mark paper that year, which is still a good result.

I find it difficult to master many calculations of variance data of final value and present value and various data models. Almost an inch thick book, full of these formulas and quantitative analysis.

Think about working in a bank. How widely are these models applied? I can't help feeling a little discouraged.

Bored, I read it from the beginning. It is said that the best age for a qualified professional and competent financial planner should be 45. I was only in my thirties at that time. In my impression, people in their forties should be the kind of people who should leave school in their lives. Think of the great investors Benjamin Graham, Charles Munger, Peter Lynch and Buffett, all of whom are old people in their seventies and eighties.

At this age, they have accumulated a lot of investment experience and witnessed many ups and downs in the international market, and they should have experienced all the ups and downs. Think about it this way, and you will be relieved.

Now 14 years have passed, and I deeply feel that this sentence is very useful. It is also mentioned in the book that a qualified financial planner should not only have accurate professional knowledge, but more importantly, have a diligent and practical work attitude, a sophisticated and harmonious world, and a psychological endurance that is not impacted. In addition, there are valuable qualities that are not mercenary.

The previous points have been difficult to achieve, and the most important thing is the last point. In my financial career of more than 20 years, I think the most important thing is to have a precise professional attitude, strive for perfection and perfect work spirit, and improve my moral character, which is the foundation for my long-term survival in this industry.

The trust of customers is not built overnight. If we have bad moral character and take an opportunistic approach, we will not hesitate to sacrifice the interests of our customers and let them see our shortcomings. He must be shooting himself in the foot.

The troika of banks, insurance and securities in the traditional financial industry, of course, has now joined the trust, futures companies and third-party wealth companies, which constitutes the financial system of our society today. The quality of employees determines the height of the industry.

If you want to work hard in this industry for a long time and have a good reputation, you must be inseparable from your spirit of continuous enterprising study, hard study and assiduous study. As we all know, the financial industry is under great pressure and has a high risk coefficient. If you don't have a strong professional quality and learning ability, you will soon be on the verge of being eliminated and even challenged from all sides.

At present, no industry dares to say that it is unique, and it must be inextricably linked with other industries. Only by eclecticism and extensive absorption of nutrients can our cause be evergreen.

Fortunately, I accepted very strict work requirements and discipline requirements in the bank, and constantly deepened my professionalism in thought and service consciousness; As for winning the first insurance financing competition in Hubei Province, it is inseparable from the strict requirements of the accounting section chief of the central branch company.

I remember that the work pressure was very high at that time. I go out at 7 o'clock every morning, go to the central branch, open the door, turn on the computer, and then print the report. Followed by cleaning, boiling water and cleaning the house, this kind of work has been done for more than ten years.

This pressure of not allowing any mistakes keeps me awake all the time. The sequela is often waking up in the middle of the night. When dreaming, I dreamed that I didn't sign off when I left my post. In the early morning, when the head office was processing in batches, I was woken up by the people in the accounting center and went to work again.

Of course, I have never experienced such a thing myself, but listening to the accounting section chief and other colleagues, I was simply shocked. I don't want to get up in the middle of the night and take a taxi to work in cold weather.

This serious and rigorous work habit has kept me going until now. Sometimes when I close the door at home, I will push it back to make sure it is locked and leave after a few times. Maybe this is really a good habit. Anyway, since we got married, we haven't met any thieves at home so far.

Later, I was constantly honed in the insurance company and encountered unprecedented rejection and frustration. This process can be said to be tempered. On this road, I encountered numerous difficulties and setbacks, and even fell into the business adversity at the end of my tether.

Even in the third year of my career, I can remain resilient and turn the tide under the pressure of various performance appraisal, all of which are related to my indomitable character.

I deeply understand that it is easier to give up than to persist. People living in this world, the most important thing is to have the quality of integrity and kindness, to have the consciousness of serving customers for others, and to have the important principle of putting customer interests first when personal interests conflict with customer interests. Also, when we treat our clients' financial plans, we must ensure an objective, fair and serious attitude. You can't seek personal gain by short-term behavior.

No one in this world is a fool. Some things, even if they gain short-term benefits, will definitely lose their long-term trust when customers understand. I would rather not do such a thing. He who treats others as fools is the biggest fool himself.

I believe that after a long time, as long as we diligently establish our own brand, we will certainly gain the trust of our customers and be able to live up to their full trust with our specialty.

Someone once said that I can have profound professional knowledge in an industry and must work hard to exceed 1000 hours. I calculated that it has been almost ten years. In this process, continuous practice and intensive cultivation are the important reasons for consolidating your professional foundation and ensuring a certain strength in this industry for a long time.

Industry is good at diligence, diligence can make up for it, and human nature rewards diligence. These three hard-working words can make you better and better. I will make myself a professional and cautious financial planner.