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Learn about certification in another territory

CERTIFIED FINANCIAL PLANNER professionals may become certified to use the CFP Marks in more than one territory by obtaining CFP certification from the FPSB Member in the new territory. Those Individuals must abide by the certification renewal requirements of FPSB Members in both the home and new territories. Use the form below to determine what the across-border certification requirements are in your territory:


 

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Financial Planner Blog

Insurance Must Be Sold, Not Bought…Right?

Tony VidlerBy Tony Vidler, Former Chairperson of IFA, New Zealand

A well established belief in financial services is that life insurance must be sold as consumers will not seek it out and buy the product themselves. It has become an accepted truth that advisers globally repeat to each other every time a new report on underinsurance, or inadequate financial literacy is released.

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Avoiding Regulatory Rigor Mortis

Tony Vidler By Tony Vidler, Former Chairperson of IFA, New Zealand

As with most of the developed world New Zealand has undergone significant regulatory reform in recent years. It has been done well by international comparison, though it is apparent that regulation alone will not create an advice profession. It may be a catalyst, but not a cure.

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Tony Vidler

New Zealand

Tony VidlerTony has been working in the New Zealand financial services industry in advisory and management capacities since June 1990, beginning as a tied life agent. Over his career he has been involved in agency management roles; started, grown and sold a sizeable investment and insurance brokerage business of his own; been personally involved in business development with hundreds of advisers; heavily involved in professional development and the evolution of regulation in the financial services industry; executive sales and marketing management and been a leading figure for many years.

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Does a Financial Planner NEED to be able to Write Comprehensive Financial Plans?

Simon Hassan, CFPBy Simon Hassan, CFP, New Zealand

Should surgeons be able to do surgery, or pilots fly planes! Of course a financial planner (and a CFP professional is supposed to represent the top rung on financial planning’s ladder) needs to be thoroughly capable of creating sound financial plans. If this was not the case it would be high time to invent another name for our profession!

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Investment Behavior: How to Help Clients Steer Clear of Irrational Decisions

By Simon Hassan, CFP, New Zealand

It’s a real challenge protecting clients and ourselves from natural “thinking mistakes”.

Behavioral economics has drawn our attention to the fact that the central assumption of traditional economics – that we behave rationally, often fails to hold.

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Building Consumer Trust Through Better Communication

By Simon Hassan, CFP

More than almost anything, a financial planner needs to be trusted by clients, referral sources and prospects. Trust comes from who you are and what you do: you need to be competent, confident, honest, and place the interests of clients first (avoiding or at the very least, clearly disclosing any conflicts of interests).

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Professionalism is MUCH more than Exams and CPD

By Simon Hassan, CFP

Financial planners still have a way to go before we will be widely recognised as professionals. No one could disagree with Martin Bamford that there’s more to it than getting qualifications, signing a code of ethics and doing CPD.

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Can Investment Fees From Financial Advisers Be Justified?

By Simon Hassan, CFP

Yes, no, and it depends.

Yes, if the fees or commissions are reasonable in relation to the value of the services they provide.

No, if the adviser (and let’s include the firm they work for here) is just ‘clipping the ticket’ – whether the ‘clip’ is taken as commission or fees. Particularly so where conflicts of interest exist (as when an adviser claims to be, or gives the impression of being independent when this is not really the case).

Continue reading Can Investment Fees From Financial Advisers Be Justified?