Are you interested to become a professional? What is a professional? A professional is one who has these characteristics:

• One who possesses specialized knowledge not generally understood by the public;
• One who have qualification which acts as a threshold entrance requirement;
• One who has a sense of altruism; and
• One who subscribes to code of ethics

Let me be frank with you so that you will not be surprised: the financial advisory industry is generally not regarded as a professional. If you join the industry as a financial adviser, it is not likely you will be regarded as a professional. The following are some obstacles in achieving professionalism in this industry: 

• According to regulation, the “O” level is the minimum academic qualification. Thus, there is no threshold entrance requirement;
• The compulsory examinations required by regulation are too basic. Many members of public possesses knowledge surpasses that of these examinations. Thus, the financial adviser does not possess specialized knowledge.
• Many advisers sell according to what pays them a commission, not necessarily because of what is good for their clients. Their companies also encourage and train its advisers to sell commission-paying products. Clients’ interest take a back sit. Thus, there is no sense of altruism.
• The recent large-scale massive misselling of unsuitable products is evidence that code of ethics do not exist.

Nevertheless, I strongly believe professionalism can be achieved even in this industry. While others are not doing it, those who are striving to achieve it will find their niche market. The financial adviser meets many people and families. The impact that one can have on these families can be tremendous.  Believing strongly that professionalism can be achieved and well respected, I am building up a team of highly qualified individuals who will be regarded by our clients as true professionals defined by having the four characteristics listed above.  This is what our team will do:

• To conduct comprehensive financial planning for individual clients.
• To implement and monitor these financial plans for these clients.
• To conduct risk management such as buy-sell agreements, group employee benefits and general insurances for corporations.
• Participate in educational seminars to promote professionalism.
• Compensated primary through fees paid by clients. I will guide team members on how to use theoretical financial planning knowledge to practical application worthy of charging fees.
• The team has no sales quota to meet but must demostrates professionalism in their field of work.
  
  

Mandatory requirements are:

• Holds at least a bachelor honor degree from a recognized university
• Passed all examinations either in CFP or ChFC
• Passed MAS’s compulsory examination in CMFAS M5, M8, M9 and HI
• Excellent communication skills both in writing and oral.
• Pleasant personality.
• Able to work independently and as well as excellent team player.
• No criminal record and not currently a bankrupt.
• Does not have a poor reputation. Those from the financial advisory industry must not have been disciplined for mis-selling, churning and misrepresentations.
• Full-time, no part timer. Willing to work at least 40 hours a week.
• Submit two testimonials from (1) previous employers/companies (2) university lecturers or (3) church pastors
• In addition to the two testimonials above, applicants from the same financial advisory industry are to submit testimonials from 2 of their existing clients. Both clients cannot be related to each other and cannot be related to the applicant.
• No prior experience is required. On the job training will be provided.

Successful applicants are required to pursue one of the following and are expected to complete these within 4 years: 

• CII Advanced Diploma in Insurance
• CFA Chartered Holder or
• Diploma in International Trust Management

Compensation scheme:

• Primary through fees paid by clients

Sent your resume to This email address is being protected from spam bots, you need Javascript enabled to view it . Those who do not meet the mandatory requirements need not apply.

We are only able to revert back to those who are short listed. Short listed candidates will be called for interview and is expected to sit for a test which consists of writing a comprehensive financial plan based on a case study. The financial plan must be written conforming to the standards of either CFP or ChFC.

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