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How To

How To Become A Financial Advisor



How To Become A Financial Advisor

We all need advice from time to time. Be it medical, legal or financial. People generally tend to be wary about sharing the last one with complete stranger, even if he is a certified professional financial advisor. As per a survey by “Best Jobs” survey by U.S News[i] financial advisory is the 9th best business job and 19th in the list of best paying jobs. The unemployment rate in this profession is at a low 1.8%. A majority of households in the U.S are not yet using the services of financial advisory and 40% of the current crop of current advisors will retire in the next 10 years or so. The Bureau of Labor Statistics estimates this profession will grow by 14.9% 2016 and 2026. Interestingly developing countries like India[ii] have been found to have a 71% of investors are trusting of their financial advisors compared to 54% globally.

How Deep is the Need for Financial Advisory

In a survey, 87%[iii]of the financial planners had very high confidence and 75% had a very positive outlook towards the potential of their profession and earnings. Their confidence stemmed from three important behavioural aspects of people –

  • An early planning while entering adulthood,
  • Long-term focus found in young adults
  • Discipline of people meeting their financial planners on a regular basis and seeking fruitful advice

It was interesting to note that three-fourths of the people wanted to be happy and satisfied with a well-organized personal finance aspect while two-thirds of the people were keen on organizing and centralising their finances and investments.

Choosing the Field of Financial Advisory

So all this should give you a positive reinforcement to choose the field of financial advisory. If you are considering whether to become a financial advisor or not – consider this – what is a quality that you require to be a trusted and confident financial advisor? It is the ability to connect with your client and understand his exact needs while prescribing solutions to his financial woes.

If a client tells you he needs money to build a house – as a financial advisor who is smart, you will not just tell him about the best home loans but also keep a check on his expenditure. The client doesn’t always realise some obvious things which you as his financial planner need to make him realise.

Becoming a Financial Advisor

Financial advisory salaries in the UK can range from a base pay[iv] of £22,000 to an average of £97,286[v] for more experience. It is definitely lucrative enough to start your own practice once you have a stable client base and name in the industry. For a person to start off as a financial advisor, you need to understand FINANCE. While tracking stocks might not be your forte but seeing the big picture like a comprehensive coverage plan for a client – investments, insurance, retirement, children’s goals and daily needs – all with the sword of taxation hanging over your head. All have to be catered to keeping in view the aim of maximum returns and meeting financial goals.

Qualifications and Experience

You also have to be qualified by the FCA (Financial Conduct Authority) at a minimum Level 4. Some of the qualifications valid to becoming a financial advisor are as follows –

Diploma Regulated Financial Planning – Level 4 of CII (Chartered Insurance Institute)

Investment Advice Diploma – Level 4 of CISI (Chartered Institute for Securities & Investment) and IFS Diploma for Financial Advisers and Professional Certificate in Banking – Level 4.

You need to have a GCSE in Maths and English along with sales and finance experience along with customer service orientation. You should be able to have a work experience under a training scheme with a bank or financial institution. Once you graduate with your qualification, you can go for graduate level schemes for training. Once the Level 4 is complete, you can go for apprenticeship positions in various financial planner companies or banks.

Finally, you need to get a proficiency check from [vi]DBS – A Disclosure and Barring Service check from the tax authorities.

Skills and Discipline to be a Financial Advisor

Just alike doctor need to create a system of diagnosing the patients and following a protocol in prescribing or advising, a financial advisor also needs to have few specific thumb-rules to function. You need to have a proven proficiency in maths and arithmetic skills to be able to give quick estimates to you clients. You need to have an ability to be a good researcher and keep yourself updated with the latest products and regulations in all categories. This is essential to advisory as some products can suit few while for others you might need to find another product plan.

A sales skill is important to be able to generate trust in your abilities and also for you to be able to sell your comprehensive financial plan to the client.

Also a client is going to reveal crucial financial information to you and it is of utmost importance as a professional that you maintain confidentiality and are trustworthy. Your discretion will lead you to build a long-term trust with your client.

A motivation is required to analyse your client’s real issues which many times take the form of financial issues. Your determination to extract real and important information will determine how successful your advisory is.

Channels for Financial Advisory

You can either be attached to banks or financial institution with financial advisory, or become an Independent financial advisor (IFA) where you can get registered with the association and become an accredited member. IFAs can charge hourly rates ranging from a £75 upwards to whatever you can earn. Financial advisory is a large ocean where you can develop a niche to advise specific issues or segment of people. Debt management is one of the foremost issues for all age groups.

Specialties in Financial Advisory

If you are unaware of the kinds of advisory you can do, take a look at this list which divides specialities per subject areas where people need advice.

  • Equities or Stocks – You can be a stock market guru and become a register advisor after taking the required stock trading certifications as well. People are keen on jumping in the stock market and making a kill. As a holistic financial advisor you can view your client’s financial health and advise him for or against stocks or specific investments.
  • Retirement – This is another area where people need to start planning well in advance. This is a slippery slope for many as they get caught up in planning for the near future and taking care of children’s education or paying for the mortgage.
  • Inheritance – There are various tax advantages people can take by transferring money to their heirs within the specified timelines. English law has clearly laid down laws which you can educate your clients on and how they can plan their inheritance transfer
  • Creation and Execution of Will – Writing a will is an important aspect in inheritance which affects to who the executor is and in how many ways is the wealth divided. An experienced financial advisor can be a boon to people
  • Real Estate –an advisor is required to clear the haze of confusion over land laws and commercial rules when people are trying to manage their properties
  • Taxes – Personal income tax can be confusing when people have multiple income sources or they are unaware of how to invest under various deductions to gain tax breaks. Tax planning can be a complicated exercise for many and a smart financial advisor always catches the pulse of the client on how he/she plans to plan for taxes. People with large estates and wealth need continuous monitoring and management of tax liabilities that might arise due to movement of assets or even change in values of those assets.
  • Investments – planning for a house or financial goals can be a tough job with a daily grind. A financial advisor is an outsourced , trusted “finance doctor” who can manage these investments for them without any hassles.

Growth Prospects

Not just in the UK but across the Atlantic and in other countries, becoming a financial advisor is fast becoming a profession of first as well as second careers. A report called 2017 Best Business Jobs by the U.S News & World Report ranked financial advisor as the No. 3 profession with top growth prospects. People are now looking at this as a second career as well after retirement from a company based job as this can be conducted from anywhere with valid licenses.

When Should You Think of Becoming a Financial Advisor

Not everyone can become everything. If you are considering if this is the right profession for you – ask yourself these questions first[vii]

  • Do you like interacting with people about various problems> Can you become a ‘financial agony aunt’? Most people will come to you when they are in deep debt or need serious advice. Your temperament should be such that you can not only give them strong advice but comfort them
  • Do you see yourself helping people and making a difference in their lives by their goodwill or sometimes even by force when you need to force a change of habit?
  • Do you find meeting new challenges and complicated problems interesting?
  • Do you have an inclination for calculations and comfort with numbers ?
  • Do you find investments interesting and you can add up different solutions give a holistic one to your clients?

It is important that you understand the nature of the job and the demands it will have not just on your time but mental faculties. People tend to get jittery with regards to their money and they are bound to be calling every time and anytime they might have a question. You need to be ready and smart enough to create a distinction between your personal and professional life.

Also, you need to be tough in facing situations where a client might lose money over your advice. These are part and parcel of the long haul of the profession.

If you are comfortable with these questions then you can be a good financial advisor.

Pros and Cons of Becoming a Financial Advisor

Finally, let us look at a final good and bad of this profession to help you make your decision. While you might have the requisite characteristics and a keenness to earn in this profession, sometimes specific cons can be a deal-breaker. Likewise even one or two points can help the tilt the decision in this profession’s favour.


  • You are a trusted and well-aware person in the field of investments and financial planning
  • It adds to your personality and makes you more confident and responsible even as a person
  • You can earn either with a company or go solo and become a freelancer and independent consultant
  • You can multiply your earnings as you gain a large network and your services are trusted
  • You can make difference in someone’s life by providing correct financial advice or saving their debt. People turn to an advisor when they are lost on their own
  • Work life scheduling becomes much more possible if you work independently and this profession gives you that financial stability and courage


  • You have to be on your feet to be out there and prospecting and finding new clients if you work with a company or if you have aggressive personal goals. As opposed to working for a fixed salary, this can be a never ending process
  • It can be a stressful role[viii]for most people as you have to be personally liable for the advice and the high and lows of the markets will affect your clients’ fortunes
  • There are multiple laws and regulations you need to comply with while providing financial advisory as you are a trustee of confidential information.


The UK has a large earing population from an age group of 15 years onwards. While people might assume financial advisory is only for the rich, the truth is everyone can do with a well-organized and comprehensive plan for their finances. A financial planner’s success is determined by the client’s success in maintaining his finances. A financial advisor is personally involved with the creation and monitoring of these goals.









How To

Guest Posting



Guest Posting 1

The internet has set up brands at every corner of the street and getting people to visit yours is a mix of skill and art. The attempts to layout customer roadmaps to your brand which aren’t abandoned are not new and the struggles are the same as before. In fact, the struggle to have your brand heard has piled up as competition keeps emerging and viewer attention span keeps getting fragmented. This has led to a surge in brands using conventional advertisements to highly compress their message to the audience.

This is not the best gameplan to bet on. Ads are perceived by many as intrusive, insincere and housing an ulterior motive. The audience is bombarded with ads from every angle and making it shorter does not really help. Most people don’t react the same way to guest posting.

A guest post is a piece of brand journalism which lives on a publisher’s website. Sponsored posts are an advertorial piece of long-form writing that is created to be highly engaging. They avoid the intrusive and abrupt conventional-approach of ads and indulge in a more respectful and subtle modern-approach for recommending your services or products.

Choosing the right platforms to publish your guest post is crucial as the platform is seen as your partner and representative. Your chosen platform must balance between writing a blog post and a traditional advertisement, stray away from being intrusive and stick with being subtle and respectful. At Global Banking and Finance (GBAF), we offer the opportunity to bank on our decade-long experience and expertise in writing balanced content like this.

How Can Guest Posts on GBAF Help You?

Constantly investing time and effort into writing and publishing on your blog is great for fostering and strengthening your already existing audience relationship but this doesn’t help you reach a new audience.

Guest posting opportunities on our platform gives you access to an untapped audience base. This is a significant advantage in two ways:

  • Familiarity: We have built our audience through our authentic, thought-provoking and storytelling writing nature. Our audience is familiar and receptive to this writing style. When we adapt your content in the same format, it allows your content to have better reception compared to traditional ads. Also, your content will adapt to the environment of content which makes it feel natural and less abrupt or intrusive.
  • Trust: When a consumer learns about your brand through someone they trust (someone like a renowned brand, friend, some industry authority, etc), they are more likely to trust you, too. Our audience’s trust means a chance for your brand’s voice to be heard. It also means having customers who have completed their journey of brand choice. When they choose you, it will be an additional choice of transition from our platform rather than a new choice of approaching you. They only have to go half-way.

With amplified brand reach and redefined trust, your brand visibility and credibility will be boosted. We also help you boost visibility by leveraging our social media channels which currently have 135k followers and keep growing every day.

Another major area of impact when doing guest posts with GBAF is the focus, delivery and expertise of writing. The audience members will engage with your content much more than they do with your traditional ads. This will increase the chances of convincing the customers who doubt, skepticize and speculate becoming customers of your brand from afar. Writing to deliver your promotion with value-driven content also allows you to plug in a recommendation at a crucial point of the problem with your brand as the solution.

Lastly, value-driven content avoids the intrusive BUY THIS! style of writing. Here, the focus is on communicating your knowledge and therefore allows you to establish yourself as a thought-leader in your niche.

All of these combined benefits act as a catalyst to boost your brand reach, funnel attention to your brand, gain a competitive advantage and knock down all other challenges presented in separating yourself from your competition.

Final Thoughts

Brand adoption is slow. Abandoning an old familiar brand route for a new one is difficult. People rarely reach out to brands and they sprint the other way if they see brands reach out to them through conventional and dull ads. In such a deadlock scenario guest posts can provide the perfect strategy to bet on.

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How To

Why Guest Posting is Your Best Bet



Why Guest Posting is Your Best Bet 2

In a scenario where new businesses are popping up everyday, one of the major challenges brands face is that of devising an organic and effective way to get the attention of their target audience. And one of the first solutions that comes to mind is the internet and consecutively, digital marketing. Even though its all-pervasive nature has made it both super-easy to reach people across the globe, the internet also comes with its own set of challenges. In this article, we will discuss the tough-to-crack parts of digital marketing, things that almost every brand representative or marketing executive has to face in the present date.

The oversimplification of digital communication has deceived many brands into believing that it’s the only way to reach their audience. However, the reality is hardly so. Today, there are more platforms and media formats than there have ever been before and newer ones keep emerging everyday. As a result, the netizens have developed a rapidly decreasing attention span. As a result, brands are wrestling to fit their message into as tiny a space as possible in what can only be called conventional methods of advertising.

For many brands, digital marketing proves to be an ordeal that takes years to crack, all the while draining the brand’s potential for more business and/or larger reach. It is worth noting that one of the major challenges that most businesses face is that of people avoiding ads altogether; no matter how good your ad is, chances are that people don’t want to see it, resulting in zero engagement. The second and bigger challenge is that short messages don’t convert those who are unaware of your brand, to brand loyalists. Instead, these ads are likely to affect only those who are already considering buying into what your brand is offering, which might be a small share.

This is where Global Banking & Finance Review (GBAF) comes in. We offer you the opportunity to overcome both the challenges (and more) in one go through our guest post services.

Guest Posts Have An Edge Over Normative Advertisements

Guest posts are advertorial pieces of long-form writing, created with an aim to engage the audience by taking away the impression of normative ads. How? Sponsored posting articles are so designed that they address the audience’s demands or queries, and also offer your brand as a solution instead of point-blank marketing. Consequently, this makes the audience spend a longer time engaging with your brand than they would do with, say, a pop-up ad. Through a guest blog post, your brand has the space to engage in a fair exchange because the article delivers value to your audience rather than being a conventional sales-driven advertisement.

To sum it up, sponsored posts fall right on the sweet spot between a blog post and a traditional advertisement on the spectrum of advertising.

Here’s Why You Should Run Guest Posts on GBAF

At GBAF, our team understands the importance of the environment in which your brand is introduced to an audience, something that leaves a lasting impact on their minds. It goes without saying that this very impression will influence and drive their future decisions on whether they want to engage with your brand and buy what you’re selling. Hence, it is our staff that is usually responsible for writing the posts that go up for your brand on our website. This allows for the sponsored post to merge in seamlessly with the existing content in our website instead of sticking out like a sore thumb. The aim in doing so is to create these posts in a way that does not distract or seem abrupt as guest posts are meant to be adaptive to an existing environment. So, even though it is essentially promoting your brand, a sponsored post is more of a brand journalism piece than an ad.

On our platform, we understand the importance readers attach to authenticity and value. This also allows GBAF to have a firm grip on introducing your brand effectively while simultaneously catering to the audience’s needs. Our team works around the clock to gain our audience’s trust by continually delivering authentic and value-driven content to our readers for more than a decade. When you partner with us, that resource pool is easy to tp into. When a consumer learns about your brand through a reliable source (for instance, someone like a renowned brand, friend, some industry authority, etc), they are more likely to trust you, too.

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How To

Why You Need to Take Guest Posting Seriously



Why You Need to Take Guest Posting Seriously 3

When customers are largely in control of marketing conversations, traditional advertisement has lost its touch. How you educate your prospects and out-educate your competitors now win the battle and generate leads.

If you’re the spokesperson of a brand or if it is your job to tell a story that your customers care about, you know how important it is to be generous, to share your ideas on a platform that promotes storytelling, and to position your brand as the most trusted partner for your customers.

The challenge with quick, easy micro-copy is that it fails to make an impact. It’s like a quick-fix that we try to use in everything we do. However, quick-fixes don’t heal a burning pain-point. A thoughtful, easy-to-read, user-friendly guide does.

At Global Banking & Finance Review (GBAF), we help you help your customers. Here’s how.

Guest Posting: How it Works

Guest posting is the art of telling your story to your audience without shoving it down their throats. It’s not an advertisement, but a thought-leadership content piece that educates & promotes your brand to your target audience without interrupting them.

  • Our editorial team works your content piece to present your brand on our website
  • The sponsored articles adhere to the context, the tone, the voice of your brand and represent it in the way you’d like to portray to your audience
  • The content piece is lucidly written and only does one job, i.e. educating your audience
  • The piece is long-form of content that allows your target audience to engage with your brand longer (much more than an advertisement)
  • It doesn’t distract, interrupt, or intrude the audience
  • Sponsored posts are designed and articulated to solve the audience’s pain-point and showcase your brand as a solution-provider

Why Should You Run Guest Posts on GBAF?

GBAF is a platform that garners a community of over 135,000. Here are four reasons for which you should run guest posts on GBAF:

  1. We help you increase the engagement with your audience: We don’t depend on surveys to understand what your target audience wants. For the last ten years, we have been serving various kinds of readers. And we know them personally. Thus, we know how to place your content to increase engagement.
  2. We put your audience ahead of the marketing funnel: When you run an ad, you start from scratch. And as a result, the first step is always to start with the beginning of the marketing funnel. When you publish a guest post on our platform, your target audience already begins to trust you since we’ve put years of work in building the community.
  3. We help you generate leads: An ad is interruptive. When you submit a guest post on GBAF, it teaches instead. And directs the audience to take action. As a result, you generate more leads. In this era of marketing, the brand that educates better, profits more.
  4. We offer you cost-effective solutions: When you run sponsored articles on GBAF, you’re in charge of your budget. You decide how much you’d like to spend per month. And we support you with cost-effective solutions backed up with the results so that you can calculate your ROI upfront.

How to Submit a Guest Post on GBAF

  • Check categories:
  • B2B: CSR, Green Tech, AI & Big Data, Ongoing Training for Employees, Manufacturing
  • B2C: Travel Destinations, Trends on Buying a Home, Working Remotely, Electronics
  • Follow guidelines:
  • Format: Word format
  • Send at: [email protected] (or use this page to submit a guest post)
  • Length: 750 – 1000 words
  • Image: We need an image of the author (specifications: width – 800 px. & heigh – 600 px.) with original credits
  • Additional requirements:
  • Author Bio: Provide an author bio (name, title, affiliation, bio, and contact). You can add a link
  • Profile: Give a brief overview of the company, key information about the company, major projects, certifications, and company logo. Please submit the profile in word format

We review your submission and if it adheres to our submission guidelines and quality standards, we will connect with you before publishing the article.

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