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为什么客户应该选择独立理财顾问，尤其是收费咨询的顾问

在如今复杂的金融环境中，选择一个合适的理财顾问对个人和家庭的财务健康至关重要。独立理财顾问（IFA），尤其是那些收取咨询费的顾问，提供了许多显著的优势。

独立理财顾问与金融机构理财顾问的主要区别

1. 客观中立的建议

独立理财顾问不依附于任何金融机构，如保险公司、基金公司、银行等，因此能够提供更中立、客观的理财服务。例如，独立理财顾问可以根据客户的需求推荐最适合的金融产品，而不是推销自家产品。

2. 量身定制的服务

每个家庭的财务状况和目标都是独一无二的。独立理财顾问能够提供更加个性化的服务，比如为客户量身定制保险理财方案，考虑到家庭的收支、资产负债和未来规划。

3. 透明的收费模式

收费咨询的理财顾问通常会采用透明的收费模式，如按小时收费或固定费用。这种模式使客户能够清楚地了解所支付的费用，并减少潜在的利益冲突。

4. 长期合作关系

独立理财顾问更注重与客户建立长期的合作关系。他们的目标是帮助客户实现长期财务目标，而不是仅仅关注短期利益。这种长期视角有助于客户在复杂的市场环境中保持稳定。

5. 专业知识与经验

独立理财顾问通常拥有丰富的行业经验和专业知识。他们会持续更新自己的知识，以适应不断变化的市场条件，从而为客户提供最新的投资建议。

不选择独立理财顾问可以吗？

当然可以。隶属于某个单一金融机构的理财顾问中，也不乏专业度高、口碑好的顾问。只是由于所在本身平台能提供的产品和服务限制，可能无法为客户提供全面的协助，客户在选择时需要考虑这几点：

1. 利益冲突

选择隶属于金融机构的理财顾问，是否与您之间存在利益冲突。比如，顾问是否会优先考虑机构的利益，而非客户的最佳利益，导致客户的投资决策受到影响。

2. 服务个性化不足

金融机构的理财顾问往往提供标准化的服务，无法根据客户的独特需求进行个性化定制。这可能导致客户的财务规划不够全面，无法有效实现其目标。

3. 收费不透明

一些金融机构的理财顾问可能会通过销售佣金等方式收费，这种模式往往不够透明，客户可能难以了解实际的费用结构。

4. 短期视角

金融机构的理财顾问可能更关注短期业绩，以满足机构的销售目标，而忽视了客户的长期财务规划。

总之，客户在选择理财顾问时应注意的要点：

  1. 明确需求：在选择理财顾问之前，明确自己的财务目标和需求，包括风险承受能力和投资期限。
  2. 检查资质：确认顾问是否有相关的专业资质和认证，如AFP、AEPP 等。
  3. 评估经验：了解顾问的工作经验和行业声誉，尤其是他们处理过的客户案例。
  4. 沟通能力：确保顾问能够清晰地解释复杂的金融概念，并能够耐心回答你的问题。
  5. 收费模式：了解顾问的收费结构，确保费用透明且合理。
  6. 独立性：选择独立的理财顾问，以确保他们不受特定金融机构的影响。
  7. 服务态度：评估顾问的服务态度和客户反馈，确保他们能够提供优质的客户服务。
  8. 长期关系：考虑顾问是否注重与客户建立长期的合作关系，而不仅仅是短期的销售。

通过选择独立理财顾问，尤其是收费咨询的顾问，客户可以获得更客观、个性化和专业的财务规划服务。这不仅有助于实现财务目标，还能在复杂的市场环境中保持稳定。选择理财顾问时，关注专业能力与服务态度的平衡，将为你的财务未来打下坚实的基础。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Yin Ni

殷妮 | 新加坡跨境財富规划师

专业背景

作为 Financial Alliance（新加坡最大独立理财咨询公司）的资深顾问，我拥有15 年新加坡在地经验和丰富的财富管理实践。在加入金融行业前，我曾在全球 50 强科技企业工作 8 年，这段经历让我深刻理解科技精英和新加坡新移民的财务需求和挑战。

过去 5 年，我已成功服务超过 1500+ 家庭的财富规划需求，帮助他们改善财务状态并达成财务目标。我持有多项国际认证，包括新加坡跨境财富规划师、国际金融理财师(AFP®)、国际遗产规划师(AEPP®)和Fee-Based咨询顾问资格。

专业服务

我专注于为客户提供全方位的财富管理解决方案，包括：

– 全球资产配置规划：根据客户风险偏好和目标，设计多元化的全球投资组合
– 家族财富传承方案：通过专业工具和策略，确保财富顺利传承给下一代
– 退休财务规划：量身定制退休策略，优化CPF和SRS，确保退休生活无忧
– 保险组合优化：分析现有保障，消除重复覆盖，填补保障缺口
– 个人所得税筹划：合法优化税务结构，最大化税后收益

服务理念

我的服务建立在三个核心价值观之上：

1. 专业定制：每位客户都获得完全个性化的财务方案，而非标准化产品
2. 长期陪伴：我注重与客户建立长期信任关系，随时调整策略以适应人生变化
3. 简明透明：我以简单直接的沟通风格，确保客户完全理解每个财务决策

客户群体

我目前主要为这些客户群体提供咨询服务：
– 科技行业精英和企业管理层
– 高收入专业人士
– 新移民家庭
– 成功创业者
– 关注财富传承的家庭
– 新加坡本地企业

联系方式

– WhatsApp：+65 92399908
– 电子邮箱：yinni@fapl.sg
– 微信：Yinni-sg
– LinkedIn：https://www.linkedin.com/in/ni-yin/
– 官方主页：https://engage.fa.com.sg/yinni/
– 预约咨询：https://wa.me/6592399908

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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策