1, understanding principle:
On the basis of fully understanding the real needs of customers, choose financial products and services that meet the customer's situation, financial objectives and plan implementation requirements.
2, the principle of good faith:
Financial planners should conduct in-depth investigation and proper evaluation of the products and services provided to customers, form professional judgments on the basis of effective information, and help customers choose and determine the corresponding financial products and services.
3, the principle of continuity:
Because the implementation of financial planning scheme may take a long time, financial planners should provide customers with continuous information feedback, suggestions and professional guidance on the one hand.
On the other hand, it is necessary to establish a complete customer file for customers. Even when I can't serve customers because of job transfer and other reasons, different financial planners can provide continuous financial services for the implementation and execution of a specific customer's financial plan.
Interpretation and division of financial planners
First of all, the financial planner explained:
Financial planner is a professional who provides comprehensive financial planning for customers. According to the National Professional Standard for Financial Planners formulated by People's Republic of China (PRC) and the Ministry of Labor and Social Security, a financial planner refers to a person who provides comprehensive financial consulting services for individuals, families, small and medium-sized enterprises and institutions by using the principles, techniques and methods of financial planning.
Financial planning requires providing all-round services, so financial planners are required to master all kinds of financial tools and relevant laws and regulations, provide tailor-made and feasible financial plans for customers, and meet customers' long-term and ever-changing financial needs in the process of constantly revising the plans.
Second, the division of financial planners:
1, agent financial planner:
He is an agent and broker of insurance companies, securities companies, trust companies and fund companies. They often sell the products of specific companies. Commission is their main source of income. For financial planners in commercial banks, wages are their source of income. Generally speaking, they don't charge consulting fees and commissions.
This kind of financial planner can only provide the products of his own company, and the financial planner who mainly collects commissions will often design financial plans for customers from the perspective of maximizing commissions, rather than maximizing the investment value of customers.
2. Comprehensive consulting financial planner:
He is a comprehensive consulting financial planner. Such financial planners charge consulting fees according to time or asset size. Their charging standards are open. Such financial advisers are usually not brokers and agents of specific commercial banks, insurance companies, securities companies, fund companies or trust companies.
They will choose the right portfolio for their customers in all similar products such as banking products, insurance products and fund products, and will not limit their investment advice to a few specific products.