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Regulations

In compliance with Organic Law 15/1999, of 13 December, under the Personal Data Protection Act, we inform you that data collected will form part of an automated file, under the ownership of BARCELONA ACTIVE SPM S.A., with registered office at 162-164 Calle Llacuna, Barcelona, with the aim of managing enrollments and of informing of the company's activities and services within its field of action. You will be able to exercise access rights, rectification, cancel cancellation and/or opposition via written communication to the Legal Services of BARCELONA ACTIVE SPM S.A. at the aforementioned address.

 
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Description

The financial advisor is the professional who helps identify the clients' financial needs and makes investment recommendations, continuously adapting them to these needs. To carry out this function, the financial advisor performs tasks similar to those performed by the wealth manager and insurance advisor. The difference between these professionals lies in the features of the financial products on which they advise, the types of companies where they work and the types of clients they manage. Thus, the financial advisor makes recommendations to individuals and companies regarding small financial products (mortgages, pension plans, investment funds, etc.) and mostly works at banks, including savings banks. The insurance advisor makes recommendations regarding insurance products (life insurance, non-life insurance, home insurance, etc.) and works at insurance companies. The wealth manager carries out financial advising for clients with high net worth and a wide variety of assets, for which they must achieve the highest profitability possible. These managers typically work at private banks.

Tasks

  • Analyse the profile of the clients, individuals or companies, taking into account the following factors:
  • Their age, wealth, as well as their professional and family situation, if the client is an individual.
  • The capital, balance sheet, future business prospects and turnover, if the client is a company.
  • Recommend the most appropriate investment based on the client's objectives and determine the capital that must be invested in order to achieve them.
  • Identify the risk factors of the transactions (investments, credit applications, etc.) that the client wants to assume. To do this, an analysis must be carried out of the external resources necessary to finance the transaction.
  • Provide information on the risk factors of the client's investments (interest rates, possibility of losses, etc).
  • Create long-term investment plans assessing the client's return objectives, available resources and the time and risks the client is willing to assume.
  • Obtain information on the legal aspects of the investments.

Quick access and copyright:

Centre per al desenvolupament professional Porta22
Convent de Sant Agustí
Ca n'Andalet

Barcelona Treball (Porta22)
+34 934 019 899
bcn.cat/treball

Barcelona Activa Headquarters
Llacuna, 162-164
08018 Barcelona
+34 934 019 777
bcn.cat/barcelonactiva

Generalitat de Catalunya
Unió Europea FEDER
Unió Europea FSE