Sean's        

     Answers    

For 

Ltausha Burge

Here Is The Answers Specially For Your Questions, Ltausha! Sincerely From Sean Toh.

Dear Ltausha,

I hope you have a great day. It's my honor meeting you because you are a very experienced financial advisor who has a wealth of personal experiences where some financial advisor do not have. You can relate and understand your future clients better because you will empathize and listen to them as you been through the process yourself. You will be in a better position to recommend financial products & services based on their needs and empower them to control their financial destiny. Going back to school is definitely a good move because only with new learning will you then reach the next level of achievement of wealth creation for yourself after 
clearing your debts.

You are not the only big fan of Suzi Orman. In fact, I'm also a big fan of Suzi Orman that I choose her as a leader to get advices from. Other things we have in common are we are in the same age group too and you felt there is a need to share your experiences and empowering others in the process.

It takes moral courage and discipline to clear off your debts and I believe you are holding onto a job in order to do that. I'm going to offer a few alternative answers to help you decide better.

Possible Choices :

1. Continue to hold on to your current job and clear off your debts and go back to school full-time and give yourself a few years to get your certifications in the relevant fields that you are interested to work in. 

2. Clear your debts and look for a job to get into the relevant industry that you are interested in while you are stilling holding onto the current job. In some countries like Singapore, there are shortage of people working in the banking, finance and investing industries that companies are interested to accept people who do not have the right qualifications but show an interest to learn from scratch to do the job. Companies are willing to sponsor the full tuition fees of the courses and bond them to work in the companies.

3. Take up any positions being offered in the respective industries and get back to school at night part-time to get your certifications. Use that beginning position and build on it to other positions in the company.


The options offered above has their pros and cons. You have to weight which options will suit you better.

Your intention to become an advisor to help people with bad credit and future planning shows that you are really generous and wealthy within that you are willing to give part of your life for this selfless act of empowering others. Here is some information to help point you in the right direction: 

Financial advisers help clients to choose financial products best suited to their present and/or future needs.

There are two types of adviser:

1. Independent financial advisers (IFAs) give advice on the financial products of a number of different organisations.

2. Tied advisers work for organisations such as banks, building societies and insurance companies. They are only able to advise on their own organisation's financial products. 

For both types of adviser the work involves:

- giving advice about appropriate products.
- meeting clients 
- asking questions about clients' finances and circumstances to understand their needs 


Routes to Becoming a Financial Adviser

Most tied advisors are graduates. A degree in finance and accountancy, business studies or related subjects may be an advantage, but a confident, professional character is just as important. Clients look for maturity in their advisor, so school leavers are rarely employed directly into this role.

Entry to a degree or equivalent qualifications will be different for different institutions in different countries.

Advisers have to do recognized industry training, regulated by the appropriate financial associations.

The following are possible associations or institutions to issue qualifications in this area and different countries have different associations and qualifications. Some example of possible associations includes

- Chartered Insurance Institute
- Institute of Chartered Secretaries and Administrators 
- Institute of Financial Services 
- Securities Institute
- Society of Investment Professionals 
- Chartered Institute of Bankers.

The Chartered Financial Analyst (CFA) program is a globally recognized standard for measuring the competence and integrity of financial analysts. Three levels of examination, administered by the CFA Institute, measure a candidate’s ability to apply the fundamental knowledge of investment principles at a professional level.

A list of professionals in banking, finance and investment industries who will get a CFA certification are :

• Financial analysts
• Securities managers, traders, or analysts
• Portfolio managers
• Compliance officers or analysts
• Financial planners
• Investment managers or analysts
• Client service representatives
• Relationship managers
• Finance, accounting, or economics majors

A Rough Roadmap With Instructions & Tips To Guide You To Take Steps On Finding Relevant Information To Get Started.

STEP 1: Contact the National Association of Personal Advisors, the Institute of Certified Financial Planners, International Association for Financial Planning or the Certified Financial Planners Board of Standards for information on becoming a financial planner in your country. 

STEP 2: Study courses given at colleges, universities and specialty schools in your country for courses in financial planning and what you can expect as a financial planner. 

STEP 3: Talk to several financial planners and ask them how they got their start in the business and where they received their education from. 

STEP 4: Search the internet under "Financial Planning In Country" for a list of resources for information on becoming a financial planner. Replace the word "Country" with the country in are residing in or interested to work in.

Although I have recommended and advise you on lots of matters, it takes more than education, resources and advice for you to be successful. You need to be patience and committed to your plan to achieve a bit of success. It’s that bit of success that will motivate you even more to learn and apply what you learned in life for your future success. Just in case, if you have been waiting the whole day for all the answers. I will like to apologize for the delay to your answers because I believe in giving my best advice to you personally and sincerely from my heart. I needed the time to understand the problems you faced, understanding them and finding the right resources for your education so that you have a higher success rate when you implement your plan.

Last but not least, may I wish you all the success implementing the plan and achieving some results that you can see for yourself. Do consult a proper financial planner or advisor if you are really in doubts. It's you that make the decision to decide if you want to be successful? Enjoy creating wealth with health. It’s has been my pleasure providing consultancy service to you, Ltausha!

 Your Sincerely

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