112 Seek financial advice from licensed financial planner!

Seek financial advice from licensed financial planner!	向合格理财师寻求财务建议吧！
In Malaysia, financial planning industry is highly regulated by Securities Commission and Bank Negara Malaysia. A potential planner must complete academic qualification - CFP - before applying to both authorities to be licensed as financial planner.	在马来西亚，理财行业是由证券委员会和国家银行严格监控的。一个潜在理财师必须完成CFP才能向有关当局申请为理财师。
The word "financial planner" is also regulated, whereby only licensed personnel can carry that title. So, the next time you see somebody presenting himself as a planner, be sure to enquire further if he is qualified academically, and also licensed.	“理财师”的字眼其实也是严格被监控的，只有有牌理财师才能使用那个衔头。因此，下次有人自称为理财师，请务必询问他是否是合格并拥有执照。
On 29 July, 2016, we read in newspapers SC reminded public not seek financial advice from anybody posing as one. Financial planner will be able to provide solutions without biased.	我们在2016年7月29号的各大报纸读到证券委员会提醒大众别轻易向自称为理财师的人员寻求财务询问。理财师可以给予客观的解决方案。
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Financial planning firm, like Phillip Wealth Planners I am attached to, tied up with many investment, insurance, will & trust companies, to provide multiple choices for client's.	理财公司，比如我加入的Phillip Wealth Planners，是与多间投资、保险、遗嘱和信托公司拥有合作关系，来提供顾客多重选择。
Planners like us are not forced by any principal to promote their products. In fact, we do not have maintenance quota to meet. So, it's very relaxing for us to choose the best for our clients.	我们这些理财专员并没有被规定要售卖任何一家公司的产品。我们甚至于无需达到任何销售额。所以我们可以没有压力的为顾客选择最好的。
For example, when a client enquire for a medical card policy, we can provide few company's proposal for clients to choose. Eventually, client may like a certain company or a certain feature. We are just there to provide solution - to solve his need. It doesn't matter, to us, which company he chose anyway.	举例顾客要求医药卡保单。我们就可以提供几间公司的proposal让顾客选择。顾客可能喜欢某个品牌或是某个产品特点。重点是我们提供了解决顾客需要的方案。至于顾客最终选择哪一家公司，对我们都无影响。
To identify if your planner is licensed, you can do the following checks:- 1. CFP/RPF qualification 2. Licensing check	要确保你的理财专员是否拥有执照，可以依循以下方法。 1。CFP/RFP资格 2。执照搜寻
1. CFP/RFP qualification Apparently, the first step to be a financial planner is a academic qualification. The most common we can find are CFP or RFP. A qualified planner will be proud to print relevant logo on their name card. So the next time you are presented with one, see if you can find any of those.	1。CFP/RFP资格 要成为理财师，第一步就是要有合格的知识。最为人知的两个为CFP或RFP。合格的理财师一定会很骄傲的把这些logo印在名片上。下次您收到名片时，不妨仔细看看有否它们的踪迹。
2. Licensing check To do this, browse to http://ers.seccom.com.my/public/Default.aspx?menu=1 Simply key in the name, and it will show which company the planner is attached to.	2。执照检查 可以到以下网址查询。 http://ers.seccom.com.my/public/Default.aspx?menu=1 只需输入名字，理财师附属的公司就会出现。