What do you need to be a personal financial consultant?

1, need to have good conduct and professional ethics.

Take the interests of customers as the service center, 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 adviser, we should keep secrets strictly.

2, need to have a wealth of financial, investment, economic and legal knowledge.

Financial planners should be "generalists+experts", that is to say, financial planners should systematically master the knowledge of economy, finance, investment and law, and be experts in some aspects, such as insurance and securities.

3, need to have rich practical experience.

Financial planning is a very practical business. Financial advisers should not only "say" but also "do". Talking about theory alone can't help customers achieve their financial goals. Therefore, rich practical experience is an important criterion for customers to choose financial planners.

4, need to have relative independence.

It is an objective problem that financial planners working in banks, securities and insurance companies have more or less the purpose of promoting products while making financial planning for customers.

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.

5, need to have a good personal brand.

In the future, there will be a group of "famous brand financial advisers" who have a good reputation in the society. Customers who choose these well-known brand financial planners should get better service. "Reputation" is an important foundation for the survival of financial planners.

Extended data personal finance rose in the United States in the early 1990s and matured in the late 1990s. After 65,438+00 years of development, independent financial consultant has become a new profession. China's domestic household savings have exceeded 10 trillion yuan. According to the survey of professional financial websites, 78% of the respondents have financial service needs; More than 50% people are willing to pay for financial services.

Financial adviser plays a very important role in modern society, and is a kind of person who provides investment advice and gets paid. The responsibilities of financial advisers are simply divided into the following points:

1. Conduct a comprehensive fund evaluation for customers.

2. Analyze the customer's financial situation.

3. Find out the funding gap.

4. Make a reasonable capital allocation plan, and recommend the investment direction for customers according to their different growth stages and risk preferences.

Generally speaking, the job of a financial consultant is to provide financial services to clients, and use their professional knowledge to make reasonable investment plans and fund allocation schemes for clients.

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