{"id":22568,"date":"2023-01-15T13:49:22","date_gmt":"2023-01-15T12:49:22","guid":{"rendered":"https:\/\/raulbartolome.com\/?p=22568"},"modified":"2025-08-30T00:01:54","modified_gmt":"2025-08-29T22:01:54","slug":"practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs","status":"publish","type":"post","link":"https:\/\/raulbartolome.com\/es\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/","title":{"rendered":"Ejercer como asesor financiero independiente, una carrera de obst\u00e1culos con costos prohibitivos"},"content":{"rendered":"

El asesoramiento financiero es una profesi\u00f3n que est\u00e1 fuertemente regulada en la Uni\u00f3n Europea (UE). Existen dos modalidades b\u00e1sicas para ejercer la profesi\u00f3n de asesor financiero, la primera es a trav\u00e9s de la asociaci\u00f3n con una entidad financiera y la segunda a trav\u00e9s de la constituci\u00f3n de una sociedad. Lo que conlleva a ser asesor financiero dependiente o independiente respectivamente.<\/p>\n\n\n\n

En ambas situaciones, el asesor necesita una formaci\u00f3n financiera exhaustiva y reconocible, que aporte seguridad y autoridad a clientes, empresas y administraciones. En mi caso, recientemente obtuve el Consejero Financiero Europeo<\/a> (EFA) acreditaci\u00f3n de la Asociaci\u00f3n Europea de Planificaci\u00f3n Financiera (EFPA) de Espa\u00f1a. EFPA acredita y certifica los conocimientos, habilidades y aptitudes de los profesionales dedicados a la planificaci\u00f3n y el asesoramiento financiero-personal, asegurando el nivel de conocimiento y formaci\u00f3n continua de sus asociados, y asegurando una conducta \u00e9tica profesional mediante el cumplimiento del C\u00f3digo \u00c9tico, entre otros objetivos.<\/p>\n\n\n\n

La acreditaci\u00f3n EFA complementa mi formaci\u00f3n financiera, consolidando particularmente mi M\u00e1ster Universitario en Asesoramiento Financiero y Gesti\u00f3n de Activos<\/a> de la Universitat de Barcelona y OBS Business School. Pero mi formaci\u00f3n financiera no acaba ah\u00ed, mi Maestr\u00eda en Administraci\u00f3n de Negocios<\/a> (MBA) aunque era general, en la medida de lo posible opt\u00e9 por asignaturas de finanzas con un trabajo final en econometr\u00eda (VIX como Predictor Variable de Rentabilidad Burs\u00e1til). Y m\u00e1s a\u00fan, mi Doctorado en Administraci\u00f3n de Empresas<\/a> (DBA), que actualmente estoy estudiando y 50% completado, consiste 100% en finanzas, espec\u00edficamente en el estudio de los precios de los productos financieros y el comercio algor\u00edtmico.<\/p>\n\n\n\n

Sin embargo, la formaci\u00f3n del asesor es estrictamente necesaria para el ejercicio del asesoramiento financiero, pero no es suficiente, ya que, al ser una industria muy regulada, los requisitos legales y reglamentarios son muy importantes.<\/p>\n\n\n\n

Mi profesi\u00f3n principal es como director de ingenier\u00eda, y recientemente explor\u00e9 la positividad de ejercer como asesor financiero como actividad secundaria. Mi objetivo principal era crear una firma de asesor\u00eda financiera independiente y abrir una cuenta de asesor financiero registrado con InteractiveBrokers (IB).<\/p>\n\n\n\n

IB es un br\u00f3ker establecido hace casi 50 a\u00f1os, con una plataforma muy completa y costos operativos m\u00ednimos. Asimismo, est\u00e1n obligados a seguir los requisitos legales pertinentes para la UE. Despu\u00e9s de numerosas comunicaciones con IB, el punto clave para crear una cuenta de asesor financiero registrado es obtener una licencia financiera para un negocio, y esto result\u00f3 ser un gran impedimento.<\/p>\n\n\n\n

Existen numerosas licencias financieras, que se asignan a empresas, siendo las m\u00e1s completas y con mayores requisitos las que se conceden a los bancos y entidades de cr\u00e9dito, bajando en contenido y requisitos, hasta llegar a los asesores financieros o gestoras de fondos. En todo caso, las licencias son concedidas por los bancos centrales o entidades reguladoras de los pa\u00edses de la UE donde se ejerce la actividad profesional.<\/p>\n\n\n\n

Estudi\u00e9 varias jurisdicciones europeas, incluidas Irlanda, Estonia, Lituania, Espa\u00f1a, Alemania y Hungr\u00eda. Los costos asociados con una licencia financiera son dos. Por un lado, para obtener la licencia, y por otro para mantenerla. En mi caso, los costes eran demasiado elevados para justificar la creaci\u00f3n de la empresa, sobre todo los costes de mantenimiento. En conclusi\u00f3n, rechac\u00e9 la opci\u00f3n de crear una empresa de asesor\u00eda financiera y, en consecuencia, establecerme como asesor financiero independiente.<\/p>\n\n\n\n

Existe una segunda opci\u00f3n, consiste en incorporarse a un banco o empresa, y trabajar como asesor financiero dependiente. Aunque no he estudiado en profundidad esta opci\u00f3n, no me parece muy interesante. Ser asesor financiero dependiente implica que est\u00e1s obligado a ofrecer productos financieros espec\u00edficos de la empresa a la que representas. Por lo tanto, entras en un conflicto de intereses, porque no ofreces al cliente la mejor opci\u00f3n del mercado, sino la mejor opci\u00f3n disponible de la empresa que representas. En conclusi\u00f3n, a pesar de tener una amplia formaci\u00f3n y experiencia en finanzas y asesoramiento financiero, es inviable trabajar como asesor financiero independiente. No descarto la opci\u00f3n por completo, pero por ahora no es viable.<\/p>","protected":false},"excerpt":{"rendered":"

El asesoramiento financiero es una profesi\u00f3n muy regulada en la UE. Existen dos modalidades b\u00e1sicas para ejercer la profesi\u00f3n de asesor financiero, la primera es a trav\u00e9s de la asociaci\u00f3n con una entidad financiera y la segunda a trav\u00e9s de la constituci\u00f3n de una sociedad. Lo que conlleva a ser asesor financiero dependiente o independiente respectivamente.
\nEste art\u00edculo explora los requisitos de capacitaci\u00f3n para los asesores financieros. Tambi\u00e9n describe los pasos necesarios para ejercer como asesor financiero independiente en la UE, que requieren obtener una licencia financiera y formar una empresa en una jurisdicci\u00f3n europea.<\/p>","protected":false},"author":1,"featured_media":22570,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"enable","ocean_disable_heading":"enable","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"background-image","ocean_post_title_background_color":"","ocean_post_title_background":22570,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[913,437,439],"tags":[885,229,883,884],"class_list":["post-22568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-business","category-finance","tag-company-formation","tag-finance","tag-finance-advise","tag-finance-license","entry","has-media","owp-thumbs-layout-horizontal","owp-btn-normal","owp-tabs-layout-section","has-no-thumbnails"],"yoast_head":"\nPracticing as an independent financial adviser, an obstacle course with prohibitive costs - 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There are two basic modalities to practice the profession of financial adviser, the first is through association with a financial institution and the second through the formation of a company. What leads to being a dependent or independent financial advisor respectively. This article explores the training requirements for financial advisors. It also outlines the necessary steps to practice as an independent financial advisor in the EU, which require obtaining a financial license and forming a company in a European jurisdiction.","og_url":"https:\/\/raulbartolome.com\/es\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/","og_site_name":"Ra\u00fal Bartolom\u00e9","article_publisher":"https:\/\/www.facebook.com\/rbartolomecastro","article_author":"https:\/\/www.facebook.com\/rbartolomecastro","article_published_time":"2023-01-15T12:49:22+00:00","article_modified_time":"2025-08-29T22:01:54+00:00","og_image":[{"width":2400,"height":1602,"url":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2023\/01\/towfiqu-barbhuiya-nApaSgkzaxg-unsplash.jpg","type":"image\/jpeg"}],"author":"Ra\u00fal Bartolom\u00e9","twitter_card":"summary_large_image","twitter_creator":"@raulbartolome","twitter_site":"@raulbartolome","twitter_misc":{"Escrito por":"Ra\u00fal Bartolom\u00e9","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/#article","isPartOf":{"@id":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/"},"author":{"name":"Ra\u00fal Bartolom\u00e9","@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e"},"headline":"Practicing as an independent financial adviser, an obstacle course with prohibitive costs","datePublished":"2023-01-15T12:49:22+00:00","dateModified":"2025-08-29T22:01:54+00:00","mainEntityOfPage":{"@id":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/"},"wordCount":659,"commentCount":0,"publisher":{"@id":"https:\/\/raulbartolome.com\/#\/schema\/person\/728a70a0ee01a96dc17e5dd8c5f8e95e"},"image":{"@id":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/#primaryimage"},"thumbnailUrl":"https:\/\/raulbartolome.com\/wp-content\/uploads\/2023\/01\/towfiqu-barbhuiya-nApaSgkzaxg-unsplash.jpg","keywords":["company formation","finance","finance advise","finance license"],"articleSection":["Articles","Business","Finance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/","url":"https:\/\/raulbartolome.com\/practicing-as-an-independent-financial-adviser-an-obstacle-course-with-prohibitive-costs\/","name":"Ejercer como asesor financiero independiente, una carrera de obst\u00e1culos con costes prohibitivos - 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