カテゴリー: FP独立開業

FPの資格を活かして働いている人は、働き方により企業系FPと独立系FPに分類されますが、その働き方は様々です。
FPとしての働き方を知ることで、FP資格取得後に会社に就職するか、あるいは独立開業するか、皆さんの目指す方向性を決めるための判断材料になるでしょう。

企業系FPとは

企業系FPは、企業に就職してFP資格を活かしている人を指します。主に保険、証券、銀行等の金融機関や不動産会社に勤務している人が挙げられますが、他にも多いのが士業です。弁護士、税理士、司法書士、行政書士、社労士、弁理士等、本職の士業と併用してFP資格を活用しています。具体的にどのように活用しているのかを見ていきましょう。

金融商品販売を目的に活用

保険、銀行、証券等、金融機関や不動産会社のFP資格の活用目的は商品販売です。また、社内で昇進や昇給の要件になっている場合もあります。販売現場においてFP資格を持っていることで対外的なイメージがアップし、お客様の信頼性が増します。しかし、保険等の商品販売が主であるため、FP資格で学んだ内容を実際の業務に活かしている場面は残念ながら少ないと言えます。

士業の付随業務として活用

幅広い士業がFPを取得していますが、FPを主として活動している士業は皆無といってよいでしょう。士業がFPを活用する場面は、専門外の分野の案件に対応するためです。例えば弁護士がお客様の要望によっては企業の事業計画書のアドバイス等、専門外の事に対応する場合があります。その時にFP知識を活用して顧問先にサービスを行っています。したがって、あくまで主は士業で、FP資格はその付随ということになります。

独立系FPとは

独立系FPは、金融機関等の企業に属さず活動している法人または個人事業主です。実は一口に独立系FPといっても、保険乗合代理店や個人代理店で保険販売を主としているFPや、相談業務をメインに行いながら、顧客の要望等で自社にて取扱う金融商品も販売するタイプのFP、金融商品販売を行わず、相談業務を主としているFPに分かれており、業務内容や方向性は大きく異なります。

保険等の金融商品販売がメイン

独立系FPの中でも一番多いと言われているのが金融商品販売を主に行っているFPです。特に保険代理店となっているFPが多く存在します。その割合は独立系FPの中でも非常に高く、正式なデータがないため筆者の印象ですが8割～9割を占めるのではないでしょうか。

独立系FPの資格活用目的は金融機関に所属している企業系FPと同様、金融商品の販売です。収益の柱が保険などの販売手数料となっているため、保険の見直し相談は無料で行うところが多いようです。したがって企業系FP同様、FPの主たる業務であるライフプランニングを行うことは少ないです。したがってFP事業者ではなく事実上の保険代理店と言えます。

相談業務をメインにしつつ、必要に応じて自社の金融商品を販売する

販売業務に特化するFPと相談業務に特化するFPの中間に位置するのがこのタイプの独立系FPです。主たる業務は相談やライフプランニングが中心でありますが、必要に応じて自社で取扱う保険等の販売を行い活動している独立系FPも少なくありません。
相談フィーのみでは収益として厳しいとされるFP業界において、相談フィーと金融商品販売手数料を組み合わせて収益を確保するというFPです。
こうしたFPは金融商品の販売を行った場合、顧客利益に必ずしもそぐわないリスクもはらんでおり、課題があると言われています。

相談業務がメイン

独立系FPの中でもお客様の相談業務やライフプランニング作成によるフィーを主たる業務として行っている独立系FPの割合は１～2割程度と言われています。FPの本来の業務目的はライフプランニングという事もあり、FPの本流と言えるでしょう。
しかし、日本のFP市場において相談フィーのみで事業を継続する事は困難と言われており、FPとして開業する場合、非常にハイリスクであり、このタイプは避けられています。また、金融商品を必要としているお客様に販売を行う事ができないため、場合によってはプランニングが中途半端になってしまうリスクがあります。そうしたお客様にどのように対応していくかが課題でしょう。このタイプのFPは少ないためビジネスモデルが少なく、このモデルで独立開業した場合は、ある程度の困難を覚悟しなくてはならないようです。

皆さんはどんなFPを目指しますか

FPには企業系FPと独立系FPという大枠があり、その中でも様々なタイプのFPが存在しているという事を知って頂けたのではないでしょうか。
また、金融商品販売や相談業務等、それぞれFP資格の活用目的はまちまちです。
皆さんが今後FP資格を活用して仕事をしたいと考えた時の参考にして頂けたらと思います。企業内で販売最前線においてキャリアを構築していく方法もあれば、独立開業して自分の理想とするFP事業者を目指すということも選択肢としてありでしょう。しかし、まずは皆さんがなぜFPになりたいのか、FP資格を取得してどのようなFPを目指して資格を活用していくのかを考えることが大切です。現状、FPは職業としての認知度も低く、まだまだ未成熟の業界です。だからこそ、FPビジネスには大きな可能性があるという見方もできます。これからFPを目指す皆さんには是非、自分のなりたいFP像を描いて挑戦して欲しいと思います。

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