Independent financial planner, as its name implies, is a third-party professional who is independent of banks, securities and financial institutions and provides customers with all-round wealth management services.

1, with sufficient professional wealth management capabilities.

Wealth management refers to the customer-centered, perfect design of a comprehensive financial planning, providing customers with a series of financial services such as cash, credit, insurance and portfolio, realizing the management of customers' assets, liabilities and liquidity, so as to meet customers' financial needs at different stages, help customers achieve measures such as reducing risks, and realize the purpose of wealth appreciation.

The scope of wealth management includes: cash savings and management, debt management, personal risk management, insurance plan, portfolio management, retirement plan and inheritance arrangement.

The income that independent financial planners can obtain through financial services includes commissions that may be provided by financial institutions and consulting fees that may be charged to customers. However, the word "possible" among commission, consulting fee and management fee shows the unstable factor of this fee, or it is called "unsustainable". The level of this fee is directly proportional to the wealth management ability and service ability of independent financial planners. Imagine that if an independent financial planner's wealth management ability is average and unprofessional, and the effect of maintaining and increasing wealth is not reflected at all, how can other high-net-worth customers trust him to take care of it?

To sum up, only having enough professional wealth management ability is the first crucial factor for an independent financial planner.

2. Have your own fixed high-net-worth customer base.

Professional financial planners mainly gather in banks (four state-owned city commercial banks), wealth institutions (Noah, Hengtian and Haomai) and asset institutions (insurance, brokerage and fund companies), as well as some emerging Internet financial institutions (CreditEase and lufax).

In the long-term service process, they have formed their own high-net-worth customers whose quantity and quality have reached a certain scale. If they are professional enough and their services are more comprehensive and humanized, these customers will become their regular customers with a very low turnover rate. This is what we usually call "customer stickiness". Without customers, your professional ability is useless. With customers, professional ability is not strong, and customers will be lost. Of course, if your professional ability is strong enough, once you get these customers, you can not only keep them for a long time, but also bring you more customers.

Think about it before the independent financial planner becomes independent. Do I have enough trust in my clients? Can the income they bring me cover the cost of my independent operation? Of course, when you operate independently, if your brand image is well established, your wealth management ability is strong enough, and your team's customer development ability is ok, these customers will keep coming to you.

3. Have a comprehensive operation team.

As mentioned earlier, the "independence" of an independent financial planner means leaving the organization, and it also means leaving the brand protection and resource support of the financial planner.