CFP®理財規劃顧問服務評價之研究

臺灣理財顧問認證協會( FPAT )於2003年開始在臺灣地區推動CFP® (Certified Financial Planner)這張專業證照。本研究針對臺灣理財規劃產業的現況，去了解CFP®持證人可以提供顧客的專業服務來探討該證照的價值及未來性。以目前有效的CFP®持證人中篩選出十位金融業界有在從事理財規劃顧問諮詢工作者，針對這十位理財規劃顧問採用質化分析中的深度訪談方式來探討。根據國際理財規劃顧問認證協會(Financial Planning Standards Board, FPSB)建議消費者在選擇優秀財務顧問時該注意的十大原則，整理歸納出選擇優秀理財規劃顧問的準則，目前具有國際水準的專業CFP®不僅具備全方位專業能力外又有足夠的工作經驗，加上以客戶利益為優先的崇高職業道德，可依據每位客戶不同的需求客製化提供全方位財務規劃。現今民眾面臨著社會福利改變退休金縮水的窘境，臺灣社會人口高齡化少子化,此時更需要找專業的CFP®協助規劃退休需求，以現有資源做資產分配投資運用，以期達到好的理財規劃實踐人生夢想。

關鍵字

認證理財規劃顧問；理財規劃顧問；理財顧問

並列摘要

FPAT has landed impetus to the CFP certificate since 2003. Based on the professional service CFP certificate holders can offer in the current condition of Taiwan financial management industries, this study aims to probe into the value and the feasibility of the CFP certificates. Ten consulting CFP certificate holders were recruited to accept qualitative interviews. Accoriding to the ten principles of sellect financial planners advised by FPSB(Financial Planning Standards Board),the researcher organized the norms of sellect financial planners.The superb professinal CFP holders have not only all-inclusive specialties but profound working experiences. They prioritize clients’advantages and customize integrated financial plans.The public presently confronts the plights that social welfare and pensions fall short of his/her expectation as well as the aging society with fewer children. In this circumstance, he/she needs professinal CFP to assist plan his/her retiring need and to invest and make good use of his/her properties for achiving great financial management and realizing his/her life dreams.