目录
简介 Intro
财务顾问为个人提供投资、现金管理和遗产规划等财务决策方面的咨询。 他们根据客户的目标制定个人财务计划，并指导他们实施可能随着情况发展而调整的拟议策略。 他们受雇于银行、信托公司和投资公司，也可能是个体经营者。
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.
随着经验的积累，可以晋升到财务管理职位。
虽然此类职位需要高水平的培训和资格，但担任这些职位的人员必须不断更新技能并追求专业发展。
- 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.
主要职责 Main Duties
财务分析员主要职责:
- 为客户制定个人财务计划，涵盖现金管理、财务、保险、投资、退休和遗产规划、税务和法律事务Develop personal financial plans for clients covering cash management, finances, insurance coverage, investments, retirement and estate planning, taxes and legal matters
- 分析客户的财务记录、设定目标并制定财务策略Analyze clients’ financial records, set goals and develop a financial strategy
- 为客户实施财务计划提供建议，帮助他们实现目标Advise clients on implementing the financial plan to help them achieve their goals
- 还可以根据持有的许可证安排金融产品和投资的购买和销售，并监控投资组合以确保其质量和盈利能力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
- 可能有助于扩大业务并吸引新客户May help to expand business and attract new clients.
任职要求 Employment Requirements
- 通常需要工商管理、商业、经济学或相关领域的学士学位。A bachelor’s degree in business administration, commerce, economics or a related field is usually required.
- 可能需要加拿大财务规划师标准委员会授予的注册财务规划师称号。The designation Certified Financial Planner, awarded by the Financial Planners Standards Council of Canada, may be required.
- 要销售受监管的金融产品和投资，例如年金、RRSP 和人寿保险，需要获得相应管理机构的许可。To sell regulated financial products and investments, such as annuities, RRSPs and life insurance, a licence is required from the appropriate governing body.
- 魁北克需要财务规划师认证。Certification as a Financial Planner is required in Quebec.
- 金融机构和组织（如加拿大证券协会、加拿大银行家协会、CFA 协会、投资基金协会、加拿大财务规划协会和加拿大信托公司协会）提供各种培训计划和课程，并且可能需要 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.
所有职称 All Titles
- 客户经理 Account manager
- 助理财务顾问 Associate financial advisor
- 助理投资顾问 Associate investment advisor
- 银行顾问 Banking advisor
- 注册财务规划师 Certified financial planner
- 财务顾问 Financial advisor
- 财务顾问 Financial consultant
- 理财规划师 Financial planner
- 财务安全顾问 Financial security advisor
- 金融服务顾问 Financial services advisor
- 金融服务顾问 Financial services consultant
- 投资专家 Investment specialist
- 个人理财顾问 Personal finance advisor
- 个人理财规划师 Personal financial planner
- 个人投资顾问 Personal investment advisor
- 个人投资顾问 Personal investment counsellor
- 证券分析师 – 个人财务 Securities analyst – personal finances
- 证券顾问 Securities counsellor
- 财富顾问 Wealth advisor
不包括职称 Exclusions
- 金融和投资分析师 Financial and investment analysts (11101)
- 其他财务人员 Other financial officers (11109)
- 证券代理人、投资交易商和经纪人 Securities agents, investment dealers and brokers (11103)
- 金融和商业服务经理 Managers in financial and business services (1002)