{"id":425,"date":"2025-09-04T13:23:16","date_gmt":"2025-09-04T11:23:16","guid":{"rendered":"https:\/\/financialplanning.adrirodrigom3.es\/?p=425"},"modified":"2025-09-04T13:37:23","modified_gmt":"2025-09-04T11:37:23","slug":"mi-articulo-en-la-revista-de-la-asociacion-no-34","status":"publish","type":"post","link":"https:\/\/capitalsurplanning.com\/en\/mi-articulo-en-la-revista-de-la-asociacion-no-34\/","title":{"rendered":"My article in the association\u2019s magazine, issue no. 34"},"content":{"rendered":"<h2 data-start=\"248\" data-end=\"276\"><span style=\"color: #333333;\">More than just advice<\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3 data-start=\"278\" data-end=\"296\"><span style=\"color: #333333;\">My career<\/span><\/h3>\n<p data-start=\"297\" data-end=\"798\"><span style=\"color: #333333;\">Since 1997, I have been working as a financial adviser at various institutions specialising in private banking for high-net-worth clients.<\/span><br data-start=\"428\" data-end=\"431\" \/><span style=\"color: #333333;\">In 2015, somewhat earlier than I had planned, I decided to set up a business and begin my professional career as a self-employed entrepreneur. I wanted to provide financial advice independently, prioritising my clients\u2019 interests without any commercial commitments, using an agency model which I considered best suited to my client base and the market.<\/span><\/p>\n<h3 data-start=\"800\" data-end=\"835\"><span style=\"color: #333333;\">From adviser to financial educator<\/span><\/h3>\n<p data-start=\"836\" data-end=\"1073\"><span style=\"color: #333333;\">Over time, I realised that my work should not be limited to making recommendations and implementing proposals. I felt it was important for my clients to understand the <strong data-start=\"991\" data-end=\"1001\">why<\/strong> from every decision, a vocation as a financial educator took root within me.<\/span><\/p>\n<p data-start=\"1075\" data-end=\"1430\"><span style=\"color: #333333;\">In my 27 years\u2019 experience, I have observed that many clients lacked financial literacy, which led to haphazard decisions, inefficient investments and procrastination when it came to making decisions. Financial literacy alone was not enough: what was needed was support that would generate <strong data-start=\"1366\" data-end=\"1388\">changes in habits<\/strong> and help to improve quality of life.<\/span><\/p>\n<h3 data-start=\"1432\" data-end=\"1457\"><span style=\"color: #333333;\">Meeting with the AEPF<\/span><\/h3>\n<p data-start=\"1458\" data-end=\"1601\"><span style=\"color: #333333;\">During this search, I met the <strong data-start=\"1487\" data-end=\"1551\">Association of Financial Educators and Planners (AEPF)<\/strong>, which opened my eyes to a different approach:<\/span><\/p>\n<ol data-start=\"1602\" data-end=\"1859\">\n<li data-start=\"1602\" data-end=\"1637\">\n<p data-start=\"1605\" data-end=\"1637\"><span style=\"color: #333333;\">To help the client get to know themselves.<\/span><\/p>\n<\/li>\n<li data-start=\"1638\" data-end=\"1691\">\n<p data-start=\"1641\" data-end=\"1691\"><span style=\"color: #333333;\">To go beyond purely financial matters.<\/span><\/p>\n<\/li>\n<li data-start=\"1692\" data-end=\"1731\">\n<p data-start=\"1695\" data-end=\"1731\"><span style=\"color: #333333;\">Thinking about what to do with the money.<\/span><\/p>\n<\/li>\n<li data-start=\"1732\" data-end=\"1761\">\n<p data-start=\"1735\" data-end=\"1761\"><span style=\"color: #333333;\">Avoid improvising.<\/span><\/p>\n<\/li>\n<li data-start=\"1762\" data-end=\"1824\">\n<p data-start=\"1765\" data-end=\"1824\"><span style=\"color: #333333;\">Investing effectively to achieve key objectives.<\/span><\/p>\n<\/li>\n<li data-start=\"1825\" data-end=\"1859\">\n<p data-start=\"1828\" data-end=\"1859\"><span style=\"color: #333333;\">Avoid getting into too much debt.<\/span><\/p>\n<\/li>\n<\/ol>\n<p data-start=\"1861\" data-end=\"2018\"><span style=\"color: #333333;\">This led me to become certified as <strong data-start=\"1895\" data-end=\"1944\">a high-calibre educator and financial planner<\/strong>, based on recognised technical standards: <strong data-start=\"1986\" data-end=\"1999\">UNI 11402<\/strong> e <strong data-start=\"2002\" data-end=\"2015\">ISO 22222<\/strong>.<\/span><\/p>\n<h3 data-start=\"2020\" data-end=\"2050\"><span style=\"color: #333333;\">Technical quality standards<\/span><\/h3>\n<p data-start=\"2051\" data-end=\"2387\"><span style=\"color: #333333;\">Technical standards are documents that define processes and services in accordance with standards that have been tested and agreed upon by experts. Although they are not mandatory, they guarantee quality, impartiality and legal certainty. Their application in financial education enables the provision of a service <strong data-start=\"2332\" data-end=\"2384\">independent and free from conflicts of interest<\/strong>.<\/span><\/p>\n<h3 data-start=\"2389\" data-end=\"2416\"><span style=\"color: #333333;\">My career choice<\/span><\/h3>\n<p data-start=\"2417\" data-end=\"2458\"><span style=\"color: #333333;\">I have decided to combine my two roles:<\/span><\/p>\n<ul data-start=\"2459\" data-end=\"2659\">\n<li data-start=\"2459\" data-end=\"2548\">\n<p data-start=\"2461\" data-end=\"2548\"><span style=\"color: #333333;\"><strong data-start=\"2461\" data-end=\"2482\">Financial adviser<\/strong> employed by a firm, regulated under MiFID II.<\/span><\/p>\n<\/li>\n<li data-start=\"2549\" data-end=\"2659\">\n<p data-start=\"2551\" data-end=\"2659\"><span style=\"color: #333333;\"><strong data-start=\"2551\" data-end=\"2603\">Educator and independent financial planner<\/strong>, on the demand side and with no conflict of interest.<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2661\" data-end=\"2829\"><span style=\"color: #333333;\">The AEPF offers me the opportunity to delegate the analysis of quotes from financial intermediaries, whilst ensuring the independence required by the technical quality standard.<\/span><\/p>\n<h3 data-start=\"2831\" data-end=\"2886\"><span style=\"color: #333333;\">Reasons to consult an independent planner<\/span><\/h3>\n<ol data-start=\"2887\" data-end=\"3291\">\n<li data-start=\"2887\" data-end=\"2969\">\n<p data-start=\"2890\" data-end=\"2969\"><span style=\"color: #333333;\">It focuses on the customer\u2019s needs throughout the entire life cycle.<\/span><\/p>\n<\/li>\n<li data-start=\"2970\" data-end=\"3014\">\n<p data-start=\"2973\" data-end=\"3014\"><span style=\"color: #333333;\">It provides a comprehensive and strategic overview.<\/span><\/p>\n<\/li>\n<li data-start=\"3015\" data-end=\"3093\">\n<p data-start=\"3018\" data-end=\"3093\"><span style=\"color: #333333;\">Submit a <strong data-start=\"3029\" data-end=\"3057\">Personal Financial Plan<\/strong> tailored, as a letter of guarantee.<\/span><\/p>\n<\/li>\n<li data-start=\"3094\" data-end=\"3172\">\n<p data-start=\"3097\" data-end=\"3172\"><span style=\"color: #333333;\">Support with implementation, analysing proposals through the partnership.<\/span><\/p>\n<\/li>\n<li data-start=\"3173\" data-end=\"3218\">\n<p data-start=\"3176\" data-end=\"3218\"><span style=\"color: #333333;\">It provides ongoing monitoring and review.<\/span><\/p>\n<\/li>\n<li data-start=\"3219\" data-end=\"3291\">\n<p data-start=\"3222\" data-end=\"3291\"><span style=\"color: #333333;\">It provides access to educational tools such as the programme <strong data-start=\"3275\" data-end=\"3288\">YoWelfare<\/strong>.<\/span><\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3293\" data-end=\"3330\"><span style=\"color: #333333;\">A 6-step quality methodology<\/span><\/h3>\n<ol data-start=\"3331\" data-end=\"3593\">\n<li data-start=\"3331\" data-end=\"3374\">\n<p data-start=\"3334\" data-end=\"3374\"><span style=\"color: #333333;\">Definition of the professional relationship.<\/span><\/p>\n<\/li>\n<li data-start=\"3375\" data-end=\"3409\">\n<p data-start=\"3378\" data-end=\"3409\"><span style=\"color: #333333;\">Setting objectives.<\/span><\/p>\n<\/li>\n<li data-start=\"3410\" data-end=\"3463\">\n<p data-start=\"3413\" data-end=\"3463\"><span style=\"color: #333333;\">Analysis of the financial and economic situation.<\/span><\/p>\n<\/li>\n<li data-start=\"3464\" data-end=\"3505\">\n<p data-start=\"3467\" data-end=\"3505\"><span style=\"color: #333333;\">Development of strategic solutions.<\/span><\/p>\n<\/li>\n<li data-start=\"3506\" data-end=\"3575\">\n<p data-start=\"3509\" data-end=\"3575\"><span style=\"color: #333333;\">Implementation of the plan through consistent product categories.<\/span><\/p>\n<\/li>\n<li data-start=\"3576\" data-end=\"3593\">\n<p data-start=\"3579\" data-end=\"3593\"><span style=\"color: #333333;\">Follow-up.<\/span><\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3595\" data-end=\"3612\"><span style=\"color: #333333;\">My commitment<\/span><\/h3>\n<p data-start=\"3613\" data-end=\"3808\"><span style=\"color: #333333;\">I am embarking on this new chapter, confident that I can offer my current and future clients a comprehensive service that combines <strong data-start=\"3732\" data-end=\"3760\">financial advice<\/strong> with <strong data-start=\"3765\" data-end=\"3805\">quality education and planning<\/strong>.<\/span><\/p>\n<p data-start=\"3810\" data-end=\"3931\"><span style=\"color: #333333;\">With tools such as the programme <strong data-start=\"3844\" data-end=\"3857\">YoWelfare<\/strong> y <strong data-start=\"3860\" data-end=\"3872\">Lifemaps<\/strong>, I support each person throughout their life journey:<\/span><\/p>\n<ul data-start=\"3932\" data-end=\"4168\">\n<li data-start=\"3932\" data-end=\"3965\">\n<p data-start=\"3934\" data-end=\"3965\"><span style=\"color: #333333;\">Setting life goals.<\/span><\/p>\n<\/li>\n<li data-start=\"3966\" data-end=\"4010\">\n<p data-start=\"3968\" data-end=\"4010\"><span style=\"color: #333333;\">Optimising resources through cost savings.<\/span><\/p>\n<\/li>\n<li data-start=\"4011\" data-end=\"4071\">\n<p data-start=\"4013\" data-end=\"4071\"><span style=\"color: #333333;\">Analysing expenditure, commitments and the level of debt.<\/span><\/p>\n<\/li>\n<li data-start=\"4072\" data-end=\"4100\">\n<p data-start=\"4074\" data-end=\"4100\"><span style=\"color: #333333;\">Planning for retirement.<\/span><\/p>\n<\/li>\n<li data-start=\"4101\" data-end=\"4168\">\n<p data-start=\"4103\" data-end=\"4168\"><span style=\"color: #333333;\">Establishing investment strategies in line with their goals.<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4170\" data-end=\"4371\"><span style=\"color: #333333;\">All of this is carried out as part of a standardised process, in accordance with technical quality standards and with the active involvement of the user, to transform financial education into a genuine roadmap for the future.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>M\u00e1s all\u00e1 del asesoramiento &nbsp; Mi trayectoria Desde 1997 trabajo como asesor financiero en distintas entidades especializadas en banca privada con clientes de altos patrimonios.En 2015, de manera algo anticipada a mis planes, decid\u00ed constituir una empresa y comenzar mi andadura profesional como empresario aut\u00f3nomo. Buscaba ejercer el asesoramiento financiero de forma independiente, priorizando los [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mi articulo en la revista de la asociaci\u00f3n n\u00ba 34 - CS Financial Planning<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capitalsurplanning.com\/en\/mi-articulo-en-la-revista-de-la-asociacion-no-34\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mi articulo en la revista de la asociaci\u00f3n n\u00ba 34 - CS Financial Planning\" \/>\n<meta property=\"og:description\" content=\"M\u00e1s all\u00e1 del asesoramiento &nbsp; Mi trayectoria Desde 1997 trabajo como asesor financiero en distintas entidades especializadas en banca privada con clientes de altos patrimonios.En 2015, de manera algo anticipada a mis planes, decid\u00ed constituir una empresa y comenzar mi andadura profesional como empresario aut\u00f3nomo. 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