Marktforschung für unabhängige Finanzberater
As investors demand more personalized, transparent, and conflict-free financial advice, the independent financial advisor market is experiencing rapid growth. Understanding the latest independent financial advisor market research trends is essential for firms looking to stay ahead in this evolving landscape.
Bei SIS International Forschung, we provide in-depth insights into the key drivers, challenges, and opportunities defining the independent financial advisor market.
Wer sind unabhängige Finanzberater (IFAs)?
Independent Financial Advisors are professionals who provide financial recommendations, advisory, and financial services to consumers. They are not part of global banking networks and therefore considered independent.
The financial services industry has undergone sweeping changes over the last few years. The current landscape constantly refers to the maturity and siloed nature of technology applications that reside within many financial services organizations.
Während die Finanzinstitute im Rahmen von Fusionen und Übernahmen Altsysteme integrieren, neue Kunden in neuen Märkten gewinnen und beginnen, eine breitere Palette neuer Produkte wie etwa Makler- und Versicherungsdienstleistungen anzubieten, überdenken sie (insbesondere die größeren Akteure) zudem die Art und Weise, wie sie ihre Kundenbeziehungen managen, und betrachten den Kundenwert aus einer ganzheitlichen Perspektive.
Why Independent Financial Advisor Market Research Matters
Independent financial advisors operate outside traditional banks and wirehouses, offering fee-based, fiduciary-driven services that prioritize the best interests of clients. As regulations shift and investors become more financially literate, market research is essential for:
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Understanding investor behavior and evolving financial planning needs.
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Tracking competitive dynamics in the IFA space.
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Identifying key regulatory changes impacting fiduciary responsibilities.
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Exploring technological innovations that enhance advisor-client interactions.
Kleine und mittlere Unternehmen
Small and medium-sized organizations (SMBs) such as general insurance brokers, life and pensions brokers, fund managers, and foreign banks are under increasing pressure to remain viable as large banks and insurance companies continue to make inroads into their markets.
Furthermore, demanding compliance requirements and increasing competition from within their ranks are placing additional pressure on these organizations to remain viable. Their overarching goal is to maintain their appeal as the local market alternative to upper-tier firms, and in order to do this, they need to be proactive in how they manage their customer relationships and also how they can derive more accurate customer value.
Kundenbeziehungsmanagement mit Marktforschung für unabhängige Finanzberater
Eine logische Lösung für die beiden oben genannten Probleme sind Customer Relationship Management (CRM)-Systeme. Effektive und effiziente CRM-Lösungen, die speziell für den KMU-Bereich entwickelt und auf ihn ausgerichtet sind, können kleineren Finanzorganisationen helfen, ihren Umsatz zu steigern und gleichzeitig ihre Stärke in Form eines hervorragenden Kundendienstes beizubehalten.
Chancen und Herausforderungen in reifen Märkten
Consumers in mature markets such as the UK, US, and Western Europe are running out of steam. American and British spenders have weak balance sheets – low savings, high debts and fear of rising interest rates. Independent financial advice suggests that we are shopped out. However, the Asian consumer has built up high savings and has little or no debt, while the credit card culture is in its infancy. They’ve been putting money away since the late 1990s Asian debt crisis, but they are going to want to spend it some time.
Digitale Innovation und Disruption
Technologie wird im Rennen um die Verbesserung der Profitabilität eine Schlüsselrolle spielen. Obwohl die IFA-Branche den wichtigsten technologischen Trends in Bezug auf höhere Geschwindigkeit und einfacheren Datenzugriff gefolgt ist, herrscht allgemein das Gefühl, dass die Anbieter es versäumt haben, die Technologie zu verbessern, um den Beratern die Arbeit zu erleichtern, und stattdessen zum Nachteil der Beratungsbranche miteinander konkurrieren.
However, if administration is improved, the income IFAs derive through sales will have a higher impact and enable them to achieve high levels of repeat business by enhancing their communications and information systems.
Ein weiteres Schlüsselproblem, das die langfristige Zukunft des Geschäfts beeinflusst, ist die Überalterung des Berufsstands. Es kommen nicht genügend neue Berater auf den Markt, was die Zukunft der Branche ernsthaft bedroht. Da das durchschnittliche Alter der IFA eher bei 55 als bei 25 liegt, sind ihre Perspektiven tendenziell enger und ihre Ziele kurzfristiger, was sie weniger anpassungsfähig für Veränderungen macht und weniger daran interessiert, neue Produkte wie Wraps zu nutzen, die eine langfristige Perspektive erfordern.
Einige befürchten jedoch, dass die Technologie den Bedarf an Finanzberatung letztendlich verringern könnte. Mit dem Aufkommen von Robo Advisors und künstlicher Intelligenz werden die Finanzberatungs- und Vermögensverwaltungsbranchen revolutioniert. Auf einigen Versicherungswebsites kann beispielsweise der gesamte Antrag für eine Risikolebensversicherung jetzt online ausgefüllt werden, sodass kein Berater mehr erforderlich ist.
Wettbewerbsumfeld
A more competitive and complex landscape for financial services providers is forcing many organizations to reevaluate existing channel strategies. This is especially true of small and medium-sized organizations looking to remain a viable alternative to their larger counterparts.
Strategic investments/upgrades in CRM systems can help smaller financial organizations such as independent financial advisors, life and pension brokers, general insurance companies, building societies, and similar firms improve revenue generation while reducing costs and maintaining superior customer service advantages.
Kanalintelligenz
Even though the Internet is a significant and cost-effective sales and service delivery channel, fund managers, IFAs, and other smaller players cannot afford to rely only on one channel over another because this would limit functionality and product options and, hence, customer service. With customers using any combination of the channels available to them, SMBS must form a coherent multi-channel strategy. While offering a range of channels may be seen as a positive attribute, if they remain siloed and are not fully coordinated they can have a negative impact on customer experience and ultimately on the financial organization itself as well.
The Future of Independent Financial Advisor Market Research
Looking ahead, the IFA market will be shaped by:
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AI-driven financial planning and predictive analytics.
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A hybrid model of human + robo-advisory services.
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Enhanced client education tools and digital onboarding processes.
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Stronger regulatory oversight and increased transparency.
Final Thoughts from Ruth Stanat, CEO of SIS International Research
The independent financial advisor market is evolving faster than ever. Success in this industry requires deep market intelligence, strategic foresight, and a commitment to innovation.
Bei SIS International Forschung, we provide real-time insights, competitive analysis, and data-driven strategies to help financial advisors stay ahead of the curve.
Über Independent Financial Advisor Market Research
Independent Financial Advisors are important decision-makers who influence the decision to purchase or trade securities. They can influence decision-making on a large amount of assets, and their opinions matter. Market Research uncovers the decision-making processes of IFAs. Research also reveals insights into consumers seeking Financial Advisory services.
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Über SIS International
SIS International bietet quantitative, qualitative und strategische Forschung an. Wir liefern Daten, Tools, Strategien, Berichte und Erkenntnisse zur Entscheidungsfindung. Wir führen auch Interviews, Umfragen, Fokusgruppen und andere Methoden und Ansätze der Marktforschung durch. Kontakt für Ihr nächstes Marktforschungsprojekt.