独立系ファイナンシャルアドバイザー市場調査

ファイナンシャルアドバイザー市場調査

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.

で SISインターナショナル・リサーチ, we provide in-depth insights into the independent financial advisor market’s key drivers, challenges, and opportunities.

独立系ファイナンシャルアドバイザー（IFA）とは誰ですか？

SIS 国際市場調査と戦略

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.

さらに、金融機関は、M&Aを通じてレガシーシステムを統合し、新しい市場で新規顧客を獲得し、仲介や保険サービスなどのより幅広い新製品の提供を開始するにつれて、（特に大手プレーヤーは）顧客関係の管理方法を再評価し、顧客価値を総合的に検討するようになっています。

Why Independent Financial Advisor Market Research Matters

Independent financial advisors operate outside traditional banks and wirehouses, offering fee-based, fiduciary-driven services that prioritize clients’ best interests. As regulations shift and investors become more financially literate, market research is essential for:

Understanding investor behavior and evolving financial planning needs.
Tracking competitive dynamics in the IFA space.
Identifying key regulatory changes impacting fiduciary responsibilities.
Exploring technological innovations that enhance advisor-client interactions.

中小企業

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.

独立系ファイナンシャルアドバイザーによる顧客関係管理市場調査

Fintech Trends

A logical solution for the two aforementioned issues comes from Customer Relationship Management (CRM) systems. Effective and efficient CRM solutions specifically created for and targeted at the SMB space, can help smaller financial organizations increase revenue while maintaining their forte of superior customer service.

成熟市場における機会と課題

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 will want to spend it some time.

デジタルイノベーションと破壊

収益性向上に向けた競争では、テクノロジーが重要な課題となるでしょう。IFA 業界は、スピードの向上とデータへのアクセスの容易化という主要なテクノロジートレンドに従ってきましたが、プロバイダーはアドバイザーの利便性を高めるテクノロジーの改善に失敗し、代わりに互いに競争してアドバイザリー業界に損害を与えているという一般的な印象があります。

However, if administration is improved, the income IFAs derive through sales will have a higher impact, enabling them to achieve high levels of repeat business by enhancing their communications and information systems.

Another key issue affecting the long-term future of the business is the problem of an aging profession. Not enough new advisors are coming into the market, which seriously threatens the industry’s future. Because the average IFA is much nearer to 55 than 25, their perspectives tend to be narrower and their goals more short-term, making them less responsive to change and less keen to take advantage of new products such as wraps, which require a long-term view.

しかし、テクノロジーによって最終的に金融アドバイスの必要性が減るのではないかと懸念する人もいます。ロボアドバイザーや人工知能の台頭により、金融アドバイザリーおよび資産管理業界は混乱しています。たとえば、一部の保険ウェブサイトでは、定期保険の申し込み全体がオンラインで完了できるようになり、アドバイザーの必要がなくなりました。

競争環境

A more competitive and complex landscape for financial services providers is forcing many organizations to reevaluate their existing channel strategies. This is especially true of small and medium-sized organizations that want to remain viable alternatives 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.

チャネルインテリジェンス

独立系ファイナンシャルアドバイザー市場調査

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.

The Future of Independent Financial Advisor Market Research

Looking ahead, the IFA market will be shaped by:

AI-driven financial planning and predictive analytics.
A hybrid model of human + robo-advisory services.
Enhanced client education tools and digital onboarding processes.
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.

で SISインターナショナル・リサーチ, we provide real-time insights, competitive analysis, and data-driven strategies to help financial advisors stay ahead of the curve.