The future of financial planners

In China, with the continuous development of the social economy, more and more people’s living standards have been greatly improved compared to before. Bringing wealth to themselves is not a problem for many people, but Few people will manage their own money. As everyone knows, reasonable financial management is also a way to accumulate wealth. This is the case, the development prospects of financial planners can be described as bright.

Financial Planner is a professional financial planning client who provides clients with all aspects of financial analysis and advice based on their asset status and risk preferences, and finds the most suitable financial management method for their clients. To ensure the preservation and appreciation of customer assets. Financial planners are responsible for the development of savings plans, insurance, investment strategies, taxes, and other financial assistance, taxation, insurance, and real estate appraisers, depending on the changes in their income and expenditures. Countermeasures, property heirs, and solutions to business problems.

In many countries in the world, there are no titles in the country. The titles are mainly managed by professional qualifications and professional and technical positions. With the deepening of reforms or better integration with the world, it is necessary to downplay the title system and strengthen Through the five-year effort, the professional qualification system has reached 50 or so in the professional qualification system, and basically formed a relatively complete professional qualification system.

The financial responsibilities of the financial planner are mainly: analyzing the financial and financial needs of the individual or family by analyzing the life and financial status of the client, clarifying the financial goals of the client, applying scientific methods and specific procedures. Develop practical, actionable aspects or comprehensive financial solutions for our clients while constantly revising their solutions to meet their long-term, ever-changing financial needs. However, at present, the functions of “financial planners” in most units in mainland China are relatively simple. They are mainly to help investors analyze the market and products, and they are not real financial planners and financial planners. Because the sales-linked commission system affects the position of the “financial planner” and determines the direction of its sales. The marketing of wealth management products can only be an expert or promoter of a financial product, plus financial institutions. The limitations of its own business, the products recommended to customers are often limited to the varieties of their own operations, so when they develop their personal financial planning, they often start from the industry and their own interests regardless of the actual needs of customers. Such a financial planning is essentially a combination marketing plan for single or multiple financial products. It is difficult to stand in a fair and neutral perspective, without any propaganda and stance, to provide customers with a full range of financial services.

Financial planners can be divided into two categories: “buyer financial planner” and “seller financial planner”. For example, “financial planners” of commercial banks, insurance companies, and securities companies can be regarded as “seller financial planners”. As employees of financial product providers, they take the seller’s salary and commission commission. Their income is often linked to sales performance, so they can often provide financial planning for customers free of charge.