Financial planning is a new industry in financial services, which first appeared in the United States. Although it has only a history of more than 30 years, it has become an indispensable part of modern society with the gradual maturity of the economic system.
Financial planning, also known as financial planning or wealth management, is a comprehensive process of evaluating personal financial situation and risk tolerance to achieve financial goals at different stages of life. Its scope includes savings plan, investment plan, insurance plan, tax plan, retirement plan and estate management. And it covers a wide range.
Financial planner is an employee who is engaged in financial planning services and has obtained relevant professional qualification certification. In Europe and America, financial planners have won public recognition and become an independent profession like doctors, lawyers, engineers and other professionals.
In recent years, the American occupational rating yearbook has always rated financial planners as the top ranks of the best occupations in the United States, tied with biologists and actuaries, ranking first at 200 1 and third in 2002. This rating is based on six criteria: working environment, income, employment prospects, physical needs, job security and stress in 250 occupations in the United States.
In China, the financial service market is undergoing profound changes. The concept of personal financial management has just emerged, and the position of financial planner needs to be established urgently. With the continuous enrichment of financial products, people increasingly need the help of professionals to make up for their lack of financial knowledge and limited time. At the same time, the management mode of financial institutions has also entered a customer-oriented era. Therefore, the demand for talents with professional level and experience in international financial planning will become more and more urgent. If you want to devote yourself to this high-demand and high-income industry and show your potential, you must have the professional identity and qualified identity required by your occupation.
At present, there are dozens of professional qualification certifications awarded to the financial services industry in the world, but only two titles are titled "Financial Planner", one is "CFP· International Financial Planner" and the other is "Certified Financial Planner".
The Association of Certified Financial Planners (RFPI) was established in the United States on 1983, and it is a professional organization with an international reputation in the global financial planning industry. The institute is the first in the world to use and award the title of "RFP registered financial planner". RFP is an international trademark registered in the United States with members all over the world.
UNESCO pointed out that modern people in the 2nd/Kloc-0th century should have three education passports-diploma education passport, technical and vocational qualification passport and entrepreneurial knowledge and skills passport. The practical experience in North America shows that when RFP and its? 0? When the logo is printed on your business card, it is an affirmation of your professional ability and an international pass for the financial planning industry.