Requirements to join FP/FA profession

When joining a FP/FA firm, is it necessary for me to hold both CMSRL and FAR license?

Not necessary.

A full licensed advisor/planner get to advice clients on a holistic basis, from financial plan, investment, insurance and covers all the eight pillars of personal financial planning.

However, certain FP/FA firms allow advisors to join as partial license advisors, but their scope or role as an advisor will be discounted.

Anyone who would like to join a FP/FA firm to offer Investment-related services must hold FIMM UTC license and SC CMSRL license. If he/she is currently a financial advisor/planner or unit trust consultant, he/she will have to resign from his/her existing company to join the FP/FA firm. However, he/she can still maintain his/her business for non-investment related services, for example insurance business with current insurance company.

On the other hand, anyone who would like to join a FP/FA firm to offer Insurance-related services must hold BNM FAR license. If he/she is currently an insurance agent, he/she will have to resign from his/her existing company to join the FP/FA firm. However, he/she can still maintain his/her business for non-insurance related services, for example unit trust business with current unit trust company.

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