大多数人都知道他们应该管理自己的钱用在刀刃，但他们并不总是知道该怎么做。 That’s when they turn to financial advisors, who have the expertise to help them. Financial advisors undergo rigorous education and training to attain the certifications and skills necessary to succeed in this career. The path to becoming a professional financial advisor can be direct, or may include a number of twists, turns and side trips depending on past education and experience. This guide provides information to assist in weighing all of the pros and cons—including job duties, salary expectations, degree options, and step-by-step, in-depth instructions to becoming a financial advisor—to help readers decide if this is the right career choice.
财务顾问帮助个人做出有关资金管理明智的决定。 They assess a person’s financial position, understand their needs and goals, and then make recommendations on how to best achieve them. Some financial advisors have diverse backgrounds and provide an array of general services, while others focus on a particular area such as retirement or tax law.
财务顾问在各种环境中工作。 Many are employed by large companies focusing on investments, finance or insurance, while others choose to work at a small firm or independently. Self-employed financial advisors are often part-salesmen. They must market their services to attract potential clients, so they spend a portion of their time teaching seminars or networking at various functions after office hours.
为财务顾问，也被称为财务顾问或最低学历要求辅导员，是一个学士学位，一般在财务，会计，商业，经济学，统计学或类似的领域。 Students should take classes in such topics as risk management, taxes, investments and estate planning. Financial advisors need to understand their clients’ short- and long-term financial goals—which may include retirement, saving for college, or other objectives—and offer ways to help their clients reach these goals. They explain and recommend various types of investments, decide the type and level of insurance that is necessary, and ensure that tax forms and other financial documents comply with regulations.
大多数金融顾问获取可用的多项认证，如注册理财规划师（CFP）或特许财务顾问（CHFC）中的至少一个。 In addition, a master’s degree in finance or a related subject can offer a competitive edge.
请问你的状态叠起来？ Use the map below to compare financial advisor salary estimates by state:
财务顾问正在寻找一个强大的就业前景，在未来几年。 The U.S. Bureau of Labor Statistics predicts the field will grow by 27% through 2022—nearly double the 14 percent growth rate projected for U.S. occupations on average. This translates into more than 60,000 new jobs in addition to the almost 225,000 that existed in 2012. Aging populations in particular are paying close attention to their finances and seeking investment advice as they near retirement. In addition, more people are becoming savvy to the benefits of smart saving and investing. They recognize the value of a personal financial advisor who can offer the individual attention not typically found with a traditional banker. Because the growing need for services puts more pressure on the time commitments for senior advisors, new entrants into the field should see increased opportunities.
学士学位需要事业作为财务顾问。亚博体育竞技投注平台 Majors in finance, economics, business, statistics or similar fields are acceptable. Financial advisors can be generalists, or they may specialize in one of several areas, including retirement, taxes, estate planning, or insurance and risk management.
大公司或高端客户可能会要求他们的财务顾问在研究生阶段继续接受教育。 Some pursue an MBA program after working in the profession for a number of years and while continuing their full-time employment.
在课堂上的学术教学提供了学习的基础，但实习提供财务顾问的机会，获得真正的世界的经验。 It’s important for students to attend a school that has forged relationships with financial firms or other companies that can provide training opportunities for students to practice what they have learned, and gain instruction and insight from mentors working in the field.
许多认证可用于财务顾问，一般经过他们已经累计三年的工作经验。 Certification typically requires specialized training or coursework, an exam, and continuing education. At least one of the following certifications is recommended by the National Association of Personal Financial Advisors (NAPFA):
一些专业领域需要许可。 For example, financial advisors who want to sell insurance must be licensed in their state as an accredited adviser in insurance. Advisors who focus on investments must register with their state or with the Securities and Exchange Commission (SEC) as a Registered Investment Advisor.
请与您学校的职业办公室，以确定工作的线索并获得援助亚博体育竞技投注平台以书面简历和求职信。 Take advantage of networking with other students, instructors and professional organizations to find employment opportunities and discuss market trends. Finally, don’t neglect social media as an excellent channel for posting resumes and searching for open positions.
总是有更多的了解，特别是在金融快速发展的世界。 Finance laws and strategies are always changing, and advisors must keep up with current trends. Many certifications in financial advising require continuing education, while senior positions often demand an advanced degree. A graduate degree in finance, typically offered as a master’s in finance (MSF) or an MBA with a concentration in finance, can provide a competitive edge.
财经度范围从通过博士学位的，可以采取数年才能完成一个为期两年的大专学历。 Courses can be taken in a traditional campus setting or online. Below is a quick look at each degree level, along with how each will suit a prospective student’s needs.
有可对应于学生的职业目标和理想教育4个财务度。亚博体育竞技投注平台 While each degree builds on the previous level, students may also choose to pursue a finance degree after completing a program in another field, such as economics, computer science, or mathematics. For example, a student with a bachelor’s degree in computer science may want to complement that degree with a master’s degree in finance or a student with a master’s degree in mathematics can hone their skills by pursuing a Ph.D. in finance.
两年制学位选项，副学士学生提供关于金融领域的基本知识，准备为入门级的角色或转移到学士学位课程毕业生。 In addition to introductory courses in finance, students also explore foundational business topics and complete general education in areas such as English composition, math, humanities, and social and behavioral sciences.
大学本科金融计划的程度提供了一个更深入的了解融资，包括股市以及国内和世界经济的动力。 Students learn how to use computerized financial programs, and work on projects that hone their investment skills. A bachelor’s degree can lead to careers such as financial analyst and personal financial advisor. This degree also prepares students to take the Chartered Financial Analyst (CFA) or Certified Financial Planner (CFP) exams.
在获得作为大学生的基础建设，主在金融程度是理想的人谁想要追求在企业环境中的领导角色的学生。 At this level, students develop advanced skills in managing risk and critically evaluating information using financial models and methodologies. A master’s degree may be offered as a Master of Science in Finance (MSF) or a Master of Business Administration (MBA) with a concentration in finance.
博士学位的，可以提供作为金融博士或工商管理博士学位，在金融的浓度。 The doctorate degree is ideal for those who want to work in an academic setting or assume a financial leadership position at a large organization. The PhD program offers in-depth exploration of new developments in the field such as theory of rational investor portfolio choice and efficient corporate decision-making. Depending on the program, students may be required to participate in regular seminars to gain exposure of developing research. Students will also be required to conduct their own independent research in the form of a dissertation.
经过多年的严格和紧张的学习中，博士毕业生获得了大量的先进技术，使在金融领域的专家他们。 Some of the most highly sought after skills include:
一些学生住得远离学校，提供在他们的教育日程安排适当的金融学位或必要的灵活性。 When on-campus education is not possible, prospective students may find that online learning is an ideal choice. However, students investigating online finance programs should consider the following criteria:
网上或校园 - - 任何融资计划最重要的标准之一是其认可资格。 Accredited programs have received a stamp of approval from a respected overseeing organization, verifying the quality and integrity of the program. Additionally, accreditation determines such factors as the student’s ability to transfer credit hours to another school and to receive financial aid. Finance programs should be accredited by such organizations as the Association to Advance Collegiate Schools of Business (AACSB) or the Distance Education Accrediting Commission (DEAC).
即使他们通过一个认可的学校完成课程，学生不应该承担这些积分将自动转移到另一个机构。 Unfortunately, non-transferrable credits mean wasted time and money, since students would be obligated to retake courses at their new school. It’s best to check with known, reputable schools well in advance to see if they will accept finance degree transfer credits from the prospective school’s program.
融资方案的总体质量齐头并进在手与教师的质量。 Most schools post faculty biographies on their websites, with information on the education and work experience of their professors and other instructors. This information can help students determine if faculty members have sufficient educational background, credentials, and professional experience. Students should look for faculty who have worked in relevant careers such as financial analysts, financial managers, bank executives, and insurance underwriters. The faculty should also have experience in corporate finance, mergers and acquisitions, insider trading, etc. Publication in respected journals such as the Journal of Portfolio Management, Journal of Risk and Assessment, Journal of Financial Management, and Journal of Banking and Finances are another indicator of prior experience and success.
该课程应提供涵盖财务和关键的金融概念的原则，相关金融学位课程。 While specific classes may vary by school, the program should offer coursework in such subjects as investments, accounting and statistics for financial analysts, financial management, and analysis of financial statements. Courses should be designed to help students hone such skills as critical thinking and decision-making.
除了学术工作，学校的财政计划还应该提供机会让学生获得现实世界的经验，比如通过实习。 While no degree can guarantee a job, the program should have an active and effective job placement program, allowing students access to companies that hire finance degree graduates.
沟通技巧是至关重要的。 Financial advisors work with a variety of people who have different financial backgrounds and levels of knowledge. Advisors must be able to present complicated information and explain technical jargon in understandable terms. Finally, they must engender trust with their clients and adhere to the industry’s set of ethical standards, including integrity, objectivity, fairness and confidentiality.
认证标识的财务顾问为符合严格的竞争力，道德和专业标准。 Some are general certifications, while others represent specialty areas. Certified Financial Planners, Personal Financial Specialists and Chartered Financial Consultants are all qualified to provide overall financial services. A financial advisor might also choose one of the following specialties:
金融领域是广阔的。 Each career varies in its typical salary, growth rate, and required training. Here’s how it stacks up:
财务顾问通常与个人客户的工作，但在金融领域的其他工作可以在各种技能和个人喜好，从分析消费趋势来研究股市的波动来管理企业财务借鉴。 Finance professionals have plenty to choose from to match their areas of interest or expertise.
对于金融度的选项可以感到不知所措。 Which schools offer the desired degree level? What specializations do they offer? The search tool below can help you find the schools that best suit your requirements.