目錄
簡介 Intro
財務顧問為個人提供投資、現金管理和遺產規劃等財務決策的諮詢。 他們根據客戶的目標制定個人財務計劃，並指導他們實施可能隨著情況發展而調整的建議策略。 他們受僱於銀行、信託公司和投資公司，也可能是自僱者。
Financial advisors counsel individuals on financial decisions such as investments, cash management, and estate planning. They establish personal financial plans according to clients’ objectives and guide them through the implementation of the proposed strategies that may be adjusted as the situation evolve. They are employed by banks, trust companies and investment firms, or they may be self-employed.
隨著經驗的積累，可以晉升到財務管理職位。
雖然此類職位需要高水準的培訓和資格，但擔任這些職位的人員必須不斷更新技能並追求專業發展。
- Progression to financial management positions is possible with experience.
- While these kinds of positions require a high degree of training and qualifications, persons who occupy them must continually update their skills and pursue professional development.
主要職責 Main Duties
財務分析員主要職責:
- 為客戶制定個人財務計劃，涵蓋現金管理、財務、保險、投資、退休和遺產規劃、稅務和法律事務 Develop personal financial plans for clients covering cash management, finances, insurance coverage, investments, retirement and estate planning, taxes and legal matters
- 分析客戶的財務記錄、設定目標並制定財務策略 Analyze clients’ financial records, set goals and develop a financial strategy
- 為客戶實施財務計畫提供建議，幫助他們實現目標 Advise clients on implementing the financial plan to help them achieve their goals
- 還可以根據持有的許可證安排金融產品和投資的購買和銷售，並監控投資組合以確保其品質和盈利能力 May also arrange for the purchase and sale of financial products and investments depending on the licence held, and monitor the portfolio to ensure its quality and profitability
- 可能有助於擴大業務並吸引新客戶 May help to expand business and attract new clients.
任職要求 Employment Requirements
- 通常需要工商管理、商業、經濟學或相關領域的學士學位。A bachelor’s degree in business administration, commerce, economics or a related field is usually required.
- 可能需要加拿大財務規劃師標準委員會授予的註冊財務規劃師稱號。The designation Certified Financial Planner, awarded by the Financial Planners Standards Council of Canada, may be required.
- 要銷售受監管的金融產品和投資，例如年金、RRSP 和人壽保險，需要獲得相應管理機構的許可。To sell regulated financial products and investments, such as annuities, RRSPs and life insurance, a licence is required from the appropriate governing body.
- 魁北克需要財務規劃師認證。Certification as a Financial Planner is required in Quebec.
- 金融機構和組織（如加拿大證券協會、加拿大銀行家協會、CFA 協會、投資基金協會、加拿大財務規劃協會和加拿大信託公司協會）提供各種培訓計劃和課程，並且可能需要雇主。Various training programs and courses are offered by financial institutes and organizations, such as the Canadian Securities Institute, Institute of Canadian Bankers, CFA Institute, Investment Funds Institute, Canadian Institute of Financial Planning, and Trust Companies Institute of Canada, and may be required by employers.
所有職稱 All Titles
- 客戶經理 Account manager
- 助理財務顧問 Associate financial advisor
- 助理投資顧問 Associate investment advisor
- 銀行顧問 Banking advisor
- 註冊財務規劃師 Certified financial planner
- 財務顧問 Financial advisor
- 財務顧問 Financial consultant
- 理財規劃師 Financial planner
- 財務安全顧問 Financial security advisor
- 金融服務顧問 Financial services advisor
- 金融服務顧問 Financial services consultant
- 投資專家 Investment specialist
- 個人理財顧問 Personal finance advisor
- 個人理財規劃師 Personal financial planner
- 個人投資顧問 Personal investment advisor
- 個人投資顧問 Personal investment counsellor
- 證券分析師 – 個人財務 Securities analyst – personal finances
- 證券顧問 Securities counsellor
- 財富顧問 Wealth advisor
不包括職稱 Exclusions
- 金融與投資分析師 Financial and investment analysts (11101)
- 其他財務人員 Other financial officers (11109)
- 證券代理人、投資交易商和經紀人 Securities agents, investment dealers and brokers (11103)
- 金融與商業服務經理 Managers in financial and business services (1002)