Pesquisa de mercado de consultor financeiro independente

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.

No Pesquisa Internacional SIS, we provide in-depth insights into the key drivers, challenges, and opportunities defining the independent financial advisor market.

Quem são os consultores financeiros independentes (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.

Além disso, à medida que as instituições financeiras assimilam sistemas legados através de fusões e aquisições, acrescentam novos clientes em novos mercados e começam a oferecer uma gama mais ampla de novos produtos, tais como serviços de corretagem e seguros, elas (em particular os grandes intervenientes) estão a reavaliar a forma como gerem a gestão dos clientes. relacionamentos e tendo uma visão integrada do valor do cliente.

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:

• 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.

Pequenas e médias empresas

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.

Gestão de relacionamento com o cliente com pesquisa de mercado de consultor financeiro independente

Uma solução lógica para os dois problemas acima mencionados vem na forma de sistemas de Gestão de Relacionamento com o Cliente (CRM). Soluções de CRM eficazes e eficientes, criadas especificamente e voltadas para o espaço de pequenas e médias empresas, podem ajudar organizações financeiras menores a aumentar a receita, mantendo ao mesmo tempo seu forte atendimento ao cliente superior.

Oportunidades e desafios em mercados maduros

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.

Inovação e disrupção digital

A tecnologia será uma questão fundamental na corrida para melhorar a rentabilidade. Embora a indústria de IFA tenha seguido as principais tendências tecnológicas de maior velocidade e acesso mais fácil aos dados, existe um sentimento geral de que os fornecedores não conseguiram melhorar a tecnologia para tornar as coisas mais fáceis para os consultores e, em vez disso, estão a competir entre si em detrimento do setor de consultoria.

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.

Outra questão fundamental que afecta o futuro a longo prazo da empresa é o problema do envelhecimento da profissão. Não há novos consultores suficientes entrando no mercado, o que ameaça seriamente o futuro da indústria. Como o IFA médio está muito mais próximo de 55 do que de 25, as suas perspectivas tendem a ser mais estreitas e os seus objectivos mais a curto prazo, tornando-os menos receptivos às mudanças e menos interessados em tirar partido de novos produtos, como os wraps, que exigem um longo período de tempo. visão de prazo.

No entanto, alguns temem que a tecnologia possa eventualmente reduzir a necessidade de aconselhamento financeiro. Com a ascensão dos Robo Advisors e da Inteligência Artificial, os setores de consultoria financeira e gestão de patrimônio estão sendo perturbados. Em alguns sites de seguros, por exemplo, todo o formulário de seguro de prazo agora pode ser preenchido on-line, eliminando a necessidade de um consultor.

Cenário competitivo

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.

Inteligência de Canal

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:

• 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.

No Pesquisa Internacional SIS, we provide real-time insights, competitive analysis, and data-driven strategies to help financial advisors stay ahead of the curve. 

Sobre pesquisa de mercado de consultor financeiro independente

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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Sobre SIS Internacional

SIS Internacional oferece pesquisa quantitativa, qualitativa e estratégica. Fornecemos dados, ferramentas, estratégias, relatórios e insights para a tomada de decisões. Também realizamos entrevistas, pesquisas, grupos focais e outros métodos e abordagens de Pesquisa de Mercado. Entre em contato conosco para o seu próximo projeto de pesquisa de mercado.