European Certified Financial Planner - SQF 6

Overall job content

The European Certified Financial Planner is a continuation of the European Certified Financial Adviser

Profile (PDF)




  • Background knowledge
    • Economy, economic environment and the capital markets
    • Company finance and accounting
    • Basic financial mathematics and statistics
  • Financial planning process and tools
  • Personal risk protection
    • Life insurance/private pensions
    • Accident insurance
    • Private health insurance/private nursing insurance
    • Company’s retirement pension scheme including executive pensions
  • Application of protection solutions
    • Business succession planning
    • Business protection planning
    • Estate/heritage planning
  • Savings and investments
    • Asset management
    • Financial instruments including derivatives
    • Bank deposits and building society savings
    • Mutual funds
    • Private equity and venture capital
    • Direct investment in shares and bonds
  • Mortgages and other sources of finance and credits
    • Types of credits including leasing
    • Repayment methods
  • Legal aspects
    • Social insurance
    • Legal, taxation and commercial framework for financial services (depending on the national market)
  • European market for financial services (common European module)
    • Legal framework, taxes and social security systems
    • EU-directives and application in national laws and regulations
    • Overview of the national financial services markets
  • The origins and growth of the European Union
  • The executive bodies of the European Union
  • Financial services legislation of the European Union
  • Conflict of laws
  • The European financial services markets: An exemplary overview and comparison between the home country and two others
    • Legal framework
    • Taxes
    • Social security systems and collective agreements
    • Private provision
    • Cross border activities from the home state of the adviser and the situation of expatriates
  • Future European developments in relation to financial services
  • Performing a life cycle analysis comprising all financial, risk, legal, social and tax aspects
  • Developing a financial plan that over time will meet the client’s need and interests
  • Giving advice to the client on choice of suppliers of financial services
  • Managing the relationship with the suppliers on behalf of the client
  • Identifying opportunities and suggesting solutions to problems related to cross border transactions in Europe
  • Applying the ethics of financial planning

The student is able to develop a
comprehensive plan covering aspects concerning personal risk protection,
income protection, pensions, savings,
investment, mortgages and other asset management aspects based on a proactive review of the client’s legal, financial and social situation