La norma ISO 22.222 de Planificación Financiera Personal

La Planificación Financiera Personal (norma IRAM-ISO 22222)

La norma IRAM-ISO 22.222 tiene como propósito promover las mejores prácticas por parte de los Planificadores Financieros Personales. El Instituto Argentino de Normalización y Certificación (IRAM) llevó a cabo la implementación en Argentina de esta norma, a través de una Comisión formada a tal efecto, sus miembros son (en orden alfabético): Antonio Anselmo,  Marta Barbieri, Leonardo Glikin, Ariel Gorodetzky, Gustavo Ibáñez Padilla, Emilio Peverelli y Guillermina Rocabado Castro.

Artículo completo:
La-Planificación-Financiera-Personal-y-la-norma-ISO-22.222

ISO 22.222 – Resumen: La Planificación Financiera como proceso. Análisis de los seis pasos descriptos en la norma ISO 22222. Identificación de metas, objetivos, deseos, necesidades y prioridades del cliente. Estudio del riesgo y nivel de tolerancia. Recolección de datos. Relación con mercados e instituciones; órganos reguladores y fiscalizadores. Desenvolvimiento y presentación de un plan financiero; implementación del plan. Monitoreo. El Valor del Dinero en el Tiempo. Patrimonio y cashflow. Estrategias frente al endeudamiento.

Fuente: Ediciones EP.

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Las Finanzas del siglo XXI

La revolución del mundo de las Finanzas le abrió las puertas al inversor individual permitiéndole acceder a los más sofisticados instrumentos de la Planificación Financiera. Para asegurar las mejores prácticas en esta disciplina surgió la Norma ISO 22.222.

Artículo completo:  Las Finanzas en el siglo XXI v2022

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What ISO 22.222 brings to my business

What ISO 22222 brings to my business

Paul Richardson, managing director of Concept Financial Planning, talks about what made him apply for ISO 22222, the process involved and what it has brought to his business

Adviser Business Review: Why did you apply for ISO 22222?

Paul Richardson: ISO 22222 is the only certification of its kind available to advisers and I liked the appeal of benchmarking our service and internal processes against the international standard of best practice. There is a huge difference between ISO 22222 and qualifications. Attaining a qualification requires you to study, go into the exam room and that’s that. ISO 22222 takes the process one step further; it is all about applying that technical aspect to your work on a daily basis and delivering the best possible service to clients.

ABR: How long did the application process take and what did it entail?

Richardson: I completed the application within three months, which is hugely exceptional, but I had a good base from which to start. During that time, I underwent a rigorous process of assessment, which included breaking the business down into segments and rebuilding it. Allowing a third party to provide an independent review of our processes taught me a lot about how the business should behave.

Working so closely with Standards International to achieve ISO 22222 was very helpful – the practice management system has changed the way we think about things and we strive to continually improve. It gave us the framework we needed to grow the business, bring on additional staff and have those new employees feel confident about the company they were joining.

ISO 22222 is not designed for an adviser who is happy to stand still; it is all about developing and advancing. It is hard work and takes commitment to achieve, but if you asked me if the whole process was worth it, I would definitely say yes. It was, and continues to be, a very rewarding experience.

ABR: How do you maintain your certification?

Richardson: We obtained the certification in June 2009. Advisers with ISO 22222 are assessed on a yearly basis and in order to maintain the certification, you need to be able to prove yourself over and over again. Every year they come and take an in-depth look at a certain part of the business. While that might sound daunting, if you’re doing the right thing on a daily basis then it shouldn’t be an issue. Maintaining ISO 22222 is about striving for improvement – it’s not a matter of quickly dusting off the manual once a year to see what they will ask. It’s about permanent change and making sure you live and breathe the process year on year.

ABR: How has it affected your business and client relationships?

Richardson: It’s both a personal and professional achievement. It’s a fantastic feeling knowing you’ve been awarded ISO 22222 and I told all my clients by letter. It’s important to me that both clients and professional partnerships can see that an independent party has come in and judged us as doing a really good job.

That said, simply saying “I’ve achieved ISO 22222” is not enough – it means nothing to the client until it’s put in context. Not a huge amount of advisers have it, therefore it’s not widely recognised as a benchmark and clients may not understand what it means for them or the service they receive. The same can be said for chartered status; some clients won’t really appreciate what it means until it’s explained to them and they can see the bearing it has on the advice they receive.

Achieving ISO 22222 has been well received across other professions too. Several other industries have their own benchmarks so there are people who really understand what it takes to achieve something like this and respect the time and effort that goes into it.

ABR: Would you recommend it to other advisers? 

Richardson: Absolutely, but you’ve got to look at it from the aspect of improving your business. It is certainly not a short cut or a box-ticking exercise. It is hard work and if your motivation is ‘how much business will I get off the back of this?’ then you’re coming at it from the wrong angle and are wasting your time. Ultimately, it refines your business and may, as a result, bring in more clients in the future but that should not be your only goal.

I feel very proud that I’m able to say I’m one of the few advisers to have achieved this certification. For those who want to deliver a first class service to their clients, I would definitely recommend going for it.

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About ISO 22222

ISO 22222 is the International Standard that helps people to decide whether or not they can be confident about the ethics and competence of professionals proposing advice on planning their personal finances.

The standard defines six steps of the personal financial planning process:

1. Establishing client/planner relations;

2. Determining goals and gathering data;

3. Evaluating the client’s financial status;

4. Developing and presenting the financial plan;

5. Implementing recommendations;

6. Monitoring the plan recommendations.

What are the benefits? 

The benefits, according to Michelle Hoskin of assessing body Standards International, differ from business to business, but include:

• slicker, more efficient, more effective internal and client-facing processes

• recognition from peers, professional connections and clients that business excellence is firmly at the heart of what they do

• increased business and marketing opportunities

• a central feeling of a TEAM (Together Everyone Achieves More) culture, created by a single focus on achieving the highest possible standards in financial services

• exemption from the Chartered Insurance Institute (CII) unit AF5 – Financial Planning Process (ISO 22222 certification only).

Source: adviserbusinessreview.com

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Beneficios de la norma ISO 22222

¿Para qué sirve la norma ISO 22222?

Por Gustavo Ibáñez Padilla.

La norma ISO 22222 define el proceso de planificación financiera personal y especifica el comportamiento ético, las competencias y los requisitos de experiencia para los Planificadores Financieros Personales y para mejorar la transparencia y eficiencia del proceso de planificación financiera personal. El proceso de acreditación es la evaluación más detallada de la calidad y el servicio prestado al cliente.

La adhesión a la ISO 22222 proporciona a los clientes la confianza de que se beneficiarán de los mejores estándares profesionales disponibles en el mercado.

Esta norma eleva la calidad de los niveles de servicio para los consumidores y establece un punto de referencia para los profesionales más allá de los requisitos reglamentarios mínimos actuales. En él se establecen requisitos para los Planificadores Financieros Personales, codifica las mejores prácticas en la Planificación Financiera en todo el mundo y aumenta la confianza del consumidor.

La norma ISO 22222 tiene un papel fundamental al proporcionar un punto de referencia aceptado internacionalmente que permite a los consumidores identificar los Planificadores Financieros que poseen los conocimientos adecuados, las habilidades, la ética y la experiencia para ofrecer el nivel de servicio deseado.

Fuente: Ediciones EP, 2016.

Ver: La-Planificación-Financiera-Personal-y-la-norma-ISO-22.222

Más información:

La norma ISO 22.222 de Planificación Financiera Personal

ISO 22.222

What is ISO 22222?

Norme ISO 22.222

Etiquetas: Norma ISO 22.222 de Planificación Financiera Personal, ISO 22222.

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What is ISO 22222?

What is ISO 22222?

ISO 22222 is a professional framework specifically designed for financial planners to allow them to demonstrate continuous improvement through third-party certification. ISO 22222 is not just about knowledge; it is so much more than that.

ISO 22222 is an internationally agreed benchmark that assesses and awards financial planners who can demonstrate that they have the knowledge, skills, experience and ethical values to deliver a first class service to their clients. By achieving the ISO standard it allows financial planners to demonstrate a commitment of adherence to an internationally recognised benchmark, which has been founded on ethical behaviour and professionalism.

At the heart of the ISO standard are the fundamental six steps of the financial planning process:

1. Establishing and defining the client-planner relationship.

2. Gathering client data, including goals.

3. Analysing and evaluating your financial status.

4. Developing and presenting financial planning recommendations and/or alternatives.

5. Implementing the financial planning recommendations.

6. Monitoring the financial planning recommendations.

Benefits To Clients

One of the major issues reported by consumers when seeking financial advice is uncertainty over whether they can trust their financial planners. And, with the vast amount of investment schemes and financial planners for customers to choose from, they are often confused about where to turn for advice on planning for retirement or how best to invest their savings.

BS ISO 22222 plays a crucial role in addressing this by providing an internationally accepted benchmark which enables consumers to identify financial planners who possess the right knowledge, skills, ethics and experience to deliver the desired level of service.

Wouldn’t you rather work with a financial planner who is in receipt of this accolade?

Fuente: Ediciones EP, 2015.

Etiquetas: ISO 22222, ISO 22.222, norma ISO de planificación financiera personal, norma ISO, finanzas personales, asesoramiento financiero, asesor financiero, asesor financiero personal, norma iram-iso 22.222, norma iram-iso 22.222, iso 22222, iso 22.222, consultor financiero personal.

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Norme ISO 22.222

Norme ISO 22.222

Le Certificat de Conseiller en Gestion de Patrimoine est un titre professionnel reconnu par l’Etat (JORF du 29 novembre 2014). Ce diplôme permet d’avoir une vision générale de l’activité de conseil et de gestion de patrimoine : de la relation client à la rédaction d’un bilan patrimonial et financier.

Objectifs

A l’issue de cette formation, vous serez capable :

• De connaître tous les mécanismes juridiques liés à la profession de gestionnaire de patrimoine
• De maîtriser des règles de gestion patrimoniale nécessaires à la réalisation d’un diagnostic patrimonial et financier

Titre reconnu par l’Etat (publication au JORF du 29 novembre 2014), le Certificat de Conseiller en Gestion de Patrimoine permet d’obtenir un niveau II de formation, et ainsi répondre aux exigences de capacité professionnelle des activités règlementées suivantes :

• Conseiller en Investissements Financiers (CIF)
• Intermédiaire en Opérations de Banque et Services de Paiement (IOBSP) – Courtier et/ou Mandataire non exclusif – Immatriculation ORIAS Niveau 1
• Intermédiaire en Assurance (IAS) – Courtier ou Agent général – Immatriculation ORIAS Niveau 1
• Carte de Transaction immobilière (carte T)
• Conseiller en Investissements Participatifs (CIP)
• Intermédiaire en Financement Participatif (IFP)

Prérequis

Préalablement à cette formation, les participants devront :

• Avoir au moins 3 ans d’expérience professionnelle dans un secteur lié à la gestion de patrimoine (banque, commerce, assurance, immobilier), une activité stable
• ou Avoir un diplôme de niveau bac + 2 dans un domaine juridique, économique ou de gestion
• ou Etre titulaire de la Capacité en Investissement et Patrimoine

Modalités d’examen

L’évaluation du Certificat de Conseiller en Gestion de Patrimoine se déroule en 3 étapes :

• Première partie de la note : examen sur table de 3 heures (cas pratique) sur le module B. Une session de rattrapage est organisée pour les apprenants qui n’obtiendraient pas 10/20 à cet examen.
• Deuxième partie de la note : examen sur table de 3 heures (cas pratique) sur le module C. Une session de rattrapage est organisée pour les apprenants qui n’obtiendraient pas 10/20 à cet examen.
• Troisième partie de la note : le projet tutoré (modules A et D sont évalués), qui s’apparente à un cas client découpé en plusieurs étapes, et qui se déroule tout au long de la formation. A l’issue de ces différentes étapes, le dossier client est constitué du recueil d’informations, du bilan patrimonial et du bilan financier. Chaque apprenant est ensuite convoqué devant un jury professionnel pour argumenter ses préconisations (étape qui s’assimile au second rdv client).

Pour être lauréat de la formation, un minimum de 10/20 est requis (calculé à partir de la moyenne des trois notes).

Modalités pratiques

Nombre d’heures : 500 (440 heures d’enseignement à distance par internet dont 104 heures pour le « projet tutoré », 60 heures de formation présentielle)

Nombre de séances de regroupement : 3 séances de trois jours consécutifs dans la ville de regroupement choisie initialement

Formation organisée sur 10 mois consécutifs

Programme

Module A : Prospecter

• Communication commerciale
• Cadre législatif et réglementaire

Module B : Diagnostiquer

• Méthodologie juridique
• Régimes matrimoniaux
• Transmission du patrimoine (donations et successions)
• Sociétés (montage et transmission)
• Fiscalité des particuliers
• Modes d’acquisition du patrimoine
• Société Civile Immobilière

Module C : Préconiser

• Marchés immobiliers
• Marchés financiers
• Classes d’actifs
• Construction d’allocations d’actifs
• Financement
• Principaux supports d’investissements spécifiques (assurance vie, épargne salariale, épargne sociétaire, immobilier et investissement locatif)

Module D : Mettre en oeuvre

• Etudes de cas
• Mises en situation
• +Projet tutoré tout au long de la formation (cas client)

5 490,00 €

Fuente: Juriscampus, 2015.

Durée

500h sur 10 mois
Avec 63 Heures en présentiel

Prochaine Session

24 avril 2015

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Produits associés

Capacité en Investissement et Patrimoine

Master 2 mention Droit Notarial, Immobilier et du Patrimoine spécialité Ingénierie du Patrimoine (Cycle de formation continue)

Etiquetas: ISO 22.222 – ISO 22222 – Norma ISO 22.222 – Norma ISO 22222 – Norme ISO 22.222 – Norme ISO 22222 – Planificación Financiera Personal – Conseiller en Gestion de Patrimoine

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