FinancialPlanner is a professional who provides comprehensive financial planning for customers. Use the principles, methods and techniques of financial planning to provide comprehensive financial consulting services for individuals, families, institutions and small and medium-sized enterprises.
Financial planning requires providing all-round services, so financial planners are required to master all kinds of financial instruments and relevant laws and regulations, provide customers with practical and tailor-made financial plans, and meet customers' long-term changing financial needs in the process of continuous revision of the plans.
Professional financial planners should provide customers with all-round professional financial planning, guide people to manage money and make investment plans, avoid financial risks, and ensure financial independence and capital safety.
quality character
1, rich in finance, investment, economy and law. Financial planners should be "generalists+professionals", that is to say, financial planners should systematically master economic, financial, investment and legal knowledge, and be professionals in some aspects, such as insurance and securities.
2. Customers with good personality and professional ethics are the "food and clothing parents" of financial planners. Financial planners should take the interests of customers as the service center and always think of customers, rather than aiming at selling products to customers alone. In addition, it is also important to keep customers' personal secrets. The financial planning process involves the privacy of many customers. As a client's personal financial advisor, it should be kept strictly confidential.
3. Financial planners who work in banks, securities and insurance companies are relatively independent. While making financial planning for customers, they have more or less the purpose of promoting products. This is an objective problem. However, the promotion of products should be based on the interests of customers, and should not be "managing money for promotion".
There will be many "independent wealth management companies" in the future society. These wealth management companies are independent and not attached to some financial institutions. They help customers choose investment products from the customer's point of view and realize their financial goals.
professional ability
The financial planner exam is divided into theoretical knowledge exam and professional ability exam. Both the theoretical knowledge test and the professional ability test are closed books, which are based on the 100 scoring system. Those with a score of 60 or above are qualified and can obtain the national vocational qualification certificate of financial planner. Financial planners also need to conduct a comprehensive audit. Those who have scored 60 points or above in theoretical knowledge examination, professional ability assessment and comprehensive evaluation are qualified and can obtain the second-class certificate of national professional qualification of financial planners.