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Financial planners with a Federal Diploma of Higher Education advise and support private households and the self-employed on financial planning issues. They can assess and explain products such as insurance policies, funds or mortgages and combined services from banks, insurance companies or fund companies. Based on an analysis of the situation and the client's needs, they draw up long-term financial plans.
Financial planners help people make important financial decisions. For example, they advise on pensions, asset accumulation, financing, taxes or estate planning and help people to achieve their individual financial goals.
Both technical knowledge and personal skills are important for this demanding job. After all, financial planning involves far more than just calculating figures or drawing up financial concepts. To be successful in this field, you need to understand complex interrelationships, be able to explain them clearly and build long-term relationships of trust.
The good news is that many of the skills you need can be developed through continuing education, further training and work experience.
An important foundation is an interest in financial issues. Financial planners regularly deal with topics such as:
Anyone who enjoys dealing with these topics and following current developments will have a good basis for continuing education, further training.
In financial planning, numerous factors often have to be considered simultaneously. A decision in one area can have an impact on other financial issues.
For example, questions about retirement provision can have an impact on tax planning, asset accumulation or the financing of a property.
The following skills are therefore particularly helpful as a financial planner:
Financial planning is an advisory profession. That's why the focus is on people.
Clients expect financial planners to provide not only specialist knowledge, but also support with important decisions. This often involves personal life situations such as starting a family, retirement, home ownership or estate planning.
It is therefore helpful:
Anyone who enjoys working with people and developing individual solutions will find a varied field of activity in financial planning.
Financial planners often gain insight into very personal financial circumstances. Discretion and trustworthiness are therefore essential.
Customers must be able to rely on their data being treated confidentially and recommendations being carefully prepared.
Important properties are therefore:
Trust is often the most important basis for long-term customer relationships.
Many financial issues are complex and not easy for laypeople to understand.
An important task is therefore to convey specialist knowledge in an understandable way. Good financial planners can explain complicated issues in such a way that customers can make informed decisions.
Help with this:
The more comprehensible the advice is, the greater the trust of the customer.
Financial planning is often based on figures, calculations and legal frameworks.
As a financial planner, even small mistakes can lead to incorrect conclusions. This is why accuracy and a careful approach are particularly important.
In everyday working life, this means, among other things:
A structured way of working contributes significantly to the quality of advice.
The financial sector is constantly evolving. Legal adjustments, tax changes or new pension options require regular continuing education, further training.
Successful financial planners are therefore characterized by a high willingness to learn. They keep their specialist knowledge up to date and follow developments in the economy, financial markets and legislation.
If you enjoy learning new things and constantly expanding your knowledge, you are well placed to be successful in the long term.
Not every successful financial planner has the same strengths. Nevertheless, some skills are particularly common in practice:
Many of these skills can be further developed and deepened in the course of continuing education, further training and professional practice.
Financial planners need a combination of professional expertise and social skills. In addition to sound knowledge of pensions, assets, taxes and financing, communication, trust and a sense of responsibility play a key role.
If you enjoy working analytically, advising people and developing long-term solutions, you already have the key prerequisites for a successful career in financial planning. Continuing education, further training provides you with the necessary specialist knowledge and helps you to develop your skills in a targeted manner.
