{"id":62420,"date":"2024-04-01T18:56:06","date_gmt":"2024-04-01T10:56:06","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=62420"},"modified":"2024-06-24T09:54:04","modified_gmt":"2024-06-24T01:54:04","slug":"finding-the-right-financial-planner","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/finding-the-right-financial-planner","title":{"rendered":"How To Choose The Right Financial Planner"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are looking for financial tips, you can find a near infinite amount of them on the internet via financial related social media groups and forums. But keep in mind that not everyone giving you such tips will be a professional with a background in finance (or even know what they\u2019re talking about).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Actual financial advisors are people or companies that are approved by Bank Negara Malaysia (BNM), under the Financial Services Act 2013 (FSA), to carry out financial advisory business, analyse financial planning needs relating to an insurance product, and recommend or arrange a contract in respect of banking products and services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These people are expected to represent clients\u2019 interest, by providing independent advice and recommendations through multiple product providers. Even then, there are quite a few of them to choose from. When seeking the services of a financial advisor, one must ensure that they pick the one that best fits their financial needs, goals, and personality.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are a few things to consider:<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Make-a-list\"><\/span><b>Make a list<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Don\u2019t just pick a financial planner as you go about researching. Start by first listing out what your priorities are.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is it you want to accomplish?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you need help with investments?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you budgeting for your children\u2019s future?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is there a specific financial goal you wish to achieve?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once you know what your goals are, you can match it with the best financial advisor for the job.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After that, you can start making a list of financial planners and advisors that might fit your criteria. By doing this, you make it much easier to organise your thoughts and research. You can also try asking family and friends if they have engaged with any of the financial advisors on the list. Their past experiences can help give you an idea of what to expect from them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, you should take the time to check if a planner on your list has the required licence from Securities Commission Malaysia\u2019s database. This can be found <\/span><a href=\"https:\/\/www.sc.com.my\/regulation\/licensing\/licensed-and-registered-persons\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. Once you have a decent list, you can start calling each financial planner to arrange for a meeting to learn more.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Find-out-your-planners-communication-style\"><\/span><b>Find out your planner\u2019s communication style<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are going to hire a financial planner, then you are going to have to be comfortable talking to them. A financial planner is not someone you can simply hire and then forget about. Communication is key. A good financial planner must understand your situation and show an interest in getting to know you, your spending and saving habits, and will respect your decision-making process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are dozens upon dozens of communication styles out there. Your financial advisor could be action-oriented, focusing on moving forwards quickly. Or maybe they prefer looking at things from multiple perspectives, engaging with you in debates regarding the best course of action. They could even be more people-oriented, being mindful of your feelings and building strong partnerships with you. The best course of action is to choose a financial advisor that is compatible with you.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Evaluate-your-planners-team\"><\/span><b>Evaluate your planner\u2019s team<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Financial planners usually come in two flavours. Those that work alone, or those with a team behind them. Apart from research into the financial planner\u2019s background, you should also do a little digging into the credentials of their team as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As finance is a very broad topic, a good financial planner usually specialises in a particular field and works with another financial planner or other professionals (such as lawyers and accountants) to handle other parts of the planning and solution implementation. After all, there is only so much one person can do. A team of financial planners means that you can gather experience and expertise from a diverse background.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understand-how-financial-planners-get-paid\"><\/span><b>Understand how financial planners get paid<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Generally speaking, you can expect to see three different kinds of payment structures when you engage with a financial planner. These include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fee-based<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fee-only<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In Malaysia, we usually see commission only and fee-based planners. Fee only financial planners are much rarer. Financial planners that receive commission only works great with someone that wants a product that they already have some idea in mind. This kind of relationship is for the most part transactional in nature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fee-based financial planners earn their fee for developing a financial plan for their clients. They also tend to earn a commission if you require them to service your insurance policies or investment portfolios. You will also need to make sure that your financial planner is being transparent with you regarding fees and payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.trustedmalaysia.com\/best-financial-advisors-malaysia\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-63946 alignleft\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/04\/21153833\/Trusted-300x300.jpg\" alt=\"Trusted Malaysia\" width=\"125\" height=\"125\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/04\/21153833\/Trusted-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/04\/21153833\/Trusted-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/04\/21153833\/Trusted-200x200.jpg 200w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/04\/21153833\/Trusted.jpg 500w\" sizes=\"auto, (max-width: 125px) 100vw, 125px\" \/><\/a>Just like any other major purchases, it is important to do your homework. Not all financial planners are made equal. Some will have better levels of training, while others may have a better range of services. It is important to talk to several financial planners and choose someone that best meets your current and future needs. Check out this list of <a href=\"https:\/\/www.trustedmalaysia.com\/best-financial-advisors-malaysia\/\" target=\"_blank\" rel=\"noopener\">best financial advisors<\/a> in Malaysia for more information.<\/span><\/p>\n<p><strong>Read More: <a href=\"https:\/\/www.imoney.my\/articles\/own-financial-planner\" target=\"_blank\" rel=\"noopener\">How To Be Your Own Financial Planner<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting good financial advice is not as easy as you might think.<\/p>\n","protected":false},"author":58,"featured_media":62422,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[242,218,240],"tags":[1162,2114,2113,1000,766,650,1048],"class_list":["post-62420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-management","category-money-management","category-retirement-planning","tag-finance","tag-finances","tag-financial-advisor","tag-financial-planning","tag-money-management","tag-retirement-planning","tag-saving-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What To Look For In A Financial Planner<\/title>\n<meta name=\"description\" content=\"Getting financial advice is easy, but getting good financial advice can be difficult. 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