A financial planner is someone who uses the financial planning process to help you find the way how to achieve your life goals.
Financial planner can see the "helicopter-view" of your financial situation and make financial planning recommendations that are suitable for you.
The planner can look at all your needs including budgeting and saving, tax planning, investments, insurance and pensions. Or, the financial planner can work for you on a single financial issue but within the context of your overall financial situation.
A comprehensive approach for your financial goals is what distinguishes financial planning with other financial advisers, where they may be trained to focus only on certain areas in your financial life.
Financial Planner Association Indonesia
Along with the growing need for financial planners, requires a standard for quality financial planners. A financial planner should receive special education that have a level of knowledge sufficient to provide an objective consultation to clients, not just selling investment products.
And this standard should be notified to the public, so that people can distinguish between the actual financial planner and sellers of financial products claiming to be a financial planner.
In Indonesia, there is the Financial Planning Association of Indonesia (F.P.A Indonesia) which provides basic standards of financial planners. This institution, in indenpendent and non-profit, establish minimum qualifications that must be owned by a financial planner.
People who open a financial planning service is expected to have a certificate of financial planning profession, such as C.F.P (Certified Financial Planner) or Ch.F.C (Chartered Financial Consultant). R.F.P issued his own F.P.A Indonesia-Indonesia (Registered Financial Planner - Indonesia) to local standards. University that provides education for professional financial planners numbers are still small.
Financial planner can see the "helicopter-view" of your financial situation and make financial planning recommendations that are suitable for you.
The planner can look at all your needs including budgeting and saving, tax planning, investments, insurance and pensions. Or, the financial planner can work for you on a single financial issue but within the context of your overall financial situation.
A comprehensive approach for your financial goals is what distinguishes financial planning with other financial advisers, where they may be trained to focus only on certain areas in your financial life.
Financial Planner Association Indonesia
Along with the growing need for financial planners, requires a standard for quality financial planners. A financial planner should receive special education that have a level of knowledge sufficient to provide an objective consultation to clients, not just selling investment products.
And this standard should be notified to the public, so that people can distinguish between the actual financial planner and sellers of financial products claiming to be a financial planner.
In Indonesia, there is the Financial Planning Association of Indonesia (F.P.A Indonesia) which provides basic standards of financial planners. This institution, in indenpendent and non-profit, establish minimum qualifications that must be owned by a financial planner.
People who open a financial planning service is expected to have a certificate of financial planning profession, such as C.F.P (Certified Financial Planner) or Ch.F.C (Chartered Financial Consultant). R.F.P issued his own F.P.A Indonesia-Indonesia (Registered Financial Planner - Indonesia) to local standards. University that provides education for professional financial planners numbers are still small.
One is the Bina Nusantara University. This private university is the first university that provides financial planning education in Indonesia. With its campus located in downtown Jakarta and teaching staff with professional degrees CFA, CFP and ChFC, UbiNus Diploma in Financial Planning provides a program designed to provide the basic capabilities needed by financial planners, which includes technical knowledge and financial applications, recognize the responsibility professional financial planner, and how to evaluate financial products that are currently outstanding.
Meanwhile, to get a degree ChFC, a financial planner must take part in education at The Singapore College of Insurance (SCI).
Fortunately, now SCI has entered into cooperation with the State College of Accountancy to conduct Diploma in Financial Planning program and Chartered Financial Consultant program in Jakarta.
So if you are interested to clinch the title ChFC, you do not need all the way to Singapore again.
The modules are taught also been adapted to local conditions of Indonesia, making it easier to digest and apply.
Indonesian Version:
Seorang perencana keuangan adalah seseorang yang menggunakan proses perencanaan keuangan untuk menolong Anda untuk mendapatkan cara bagaimana mencapai tujuan-tujuan hidup Anda.
Meanwhile, to get a degree ChFC, a financial planner must take part in education at The Singapore College of Insurance (SCI).
Fortunately, now SCI has entered into cooperation with the State College of Accountancy to conduct Diploma in Financial Planning program and Chartered Financial Consultant program in Jakarta.
So if you are interested to clinch the title ChFC, you do not need all the way to Singapore again.
The modules are taught also been adapted to local conditions of Indonesia, making it easier to digest and apply.
Indonesian Version:
Seorang perencana keuangan adalah seseorang yang menggunakan proses perencanaan keuangan untuk menolong Anda untuk mendapatkan cara bagaimana mencapai tujuan-tujuan hidup Anda.
Perencana keuangan dapat melihat secara “gambaran besar” atas situasi keuangan Anda dan membuat rekomendasi perencanaan keuangan yang cocok untuk Anda.
Perencana keuangan dapat melihat seluruh kebutuhan Anda termasuk membuat anggaran dan menabung, perencanaan pajak, investasi, asuransi dan pensiun. Atau, perencana keuangan dapat bekerja untuk Anda atas satu persoalan keuangan tapi tetap dalam konteks situasi keuangan Anda secara menyeluruh.
Pendekatan menyeluruh atas tujuan-tujuan keuangan Anda inilah yang membedakan perencana keuangan dengan penasihat keuangan yang lain, dimana mereka mungkin dilatih untuk fokus hanya ke area tertentu dalam kehidupan keuangan Anda.
Seiring dengan pertumbuhan kebutuhan akan perencana keuangan, dibutuhkan suatu standar baku untuk kualitas perencana keuangan. Seorang perencana keuangan perlu menerima pendidikan khusus sehingga memiliki tingkat pengetahuan yang cukup untuk memberikan konsultasi secara objektif kepada kliennya, bukan hanya sekedar menjual produk-produk investasi.
Dan standar baku ini perlu diberitahukan kepada masyarakat luas, sehingga masyarakat dapat membedakan antara perencana keuangan yang sebenarnya dan penjual produk keuangan yang mengaku sebagai perencana keuangan.
Di Indonesia, terdapat Financial Planning Association Indonesia (FPAIndonesia) yang memberikan standar baku mengenai perencana keuangan. Lembaga ini, secara indenpenden dan nirlaba, menetapkan kualifikasi minimal yang harus dimiliki oleh seorang perencana keuangan.
Orang yang membuka jasa perencanaan keuangan diharapkan memiliki sertifikat profesi perencanaan keuangan, seperti CFP(Certified Financial Planner) atau ChFC (Chartered Financial Consultant). FPA Indonesia sendiri mengeluarkan gelar RFP-Indonesia (Registered Financial Planner - Indonesia) untuk standar lokal.
Univesitas yang menyediakan pendidikan untuk profesi perencana keuangan jumlahnya masih sedikit. Salah satunya adalah Universitas Bina Nusantara. Universitas swasta ini merupakan universitas pertama yang memberikan pendidikan perencana keuangan di Indonesia.
Dengan kampusnya yang terletak di pusat kota Jakarta serta tenaga pengajar dengan bergelar profesional CFA, CFP, dan ChFC, UbiNus menyediakan program Diploma Financial Planning yang dirancang untuk memberikan kemampuan dasar yang diperlukan oleh perencana keuangan, yang mencakupi pengetahuan teknis serta aplikasi keuangan, mengenal tanggung jawab profesi perencana keuangan, serta cara menilai produk-produk keuangan yang sedang beredar.
Sementara untuk mendapatkan gelar ChFC, seorang perencana keuangan harus mengikuti pendidikan di The Singapore College of Insurance (SCI).
Untungnya, sekarang SCI sudah mengadakan kerjasama dengan Sekolah Tinggi Akuntansi Negara untuk menyelenggarakan program Diploma Financial Planning dan program Chartered Financial Consultant di Jakarta.
Jadi apabila Anda tertarik untuk meraih gelar ChFC, Anda tidak perlu jauh-jauh ke Singapura lagi. Modul-modul yang diajarkan juga sudah disesuaikan dengan keadaan lokal Indonesia, sehingga lebih mudah untuk dicerna dan diaplikasikan.
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