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Investment Advice
Would you seek financial advice from the waitress in the local Tapas Bar? “No, of course not, don’t be stupid” I hear you all shout. You see we are all “programmed” to pigeonhole people into our expectations as to how they should appear.
We expect to see the Guardia Civil in their khaki and green uniforms, and the Policia Local in their dark blue outfits. In Spain we expect the letter boxes to be yellow, and we certainly don’t expect the waitress at the local Tapas to be qualified to give advice about our financial affairs. Back in the UK, and in most other countries around the world, we expect our solicitors, accountants, senior managers, to dress in suit and tie. How would we react if one of these was dressed in gardening clothes and wearing a pair of green wellies, when we went into their office? I guess the answer might be “uncomfortable and untrusting” Visual expectation is one important aspect of the “professional” earning credibility and subsequently the trust of his/her clients. The other is how “qualified” he/she is to do the job. A lawyer has to take a law degree, a doctor has to go to university and train for a number of years to earn the licence to practice, an accountant has to take exams to qualify. These professionals also belong to regulatory bodies, whose role is to set out the standards and monitor that the job is being done properly. In other words, if something goes wrong and their clients are disadvantaged by unprofessional or illegal activities, there is recourse to the regulatory bodies to redress the situation.
If you want to get proper advice on where to invest your hard earned savings, I am sure you would want to be safe in the knowledge that the person you vest that task with is(just like the doctor, solicitor and accountant in the UK): • Qualified by examination to give that advice
• Regulated and licensed to operate legally in Spain
• Has access to products , which comply with Spanish Law
Make sure that you find out whether all three criteria have been met, before committing your investment monies.
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