The 3-day training that you need as an Financial Consultant

February 24, 2026
Financial Advisory
6 min read

Starting a career as a financial adviser in Singapore is both an opportunity and a responsibility. Advisers play a critical role in helping individuals and families make informed decisions about protection, investments, and long-term financial security. While motivation and ambition are important, they are not enough on their own. To succeed sustainably, advisers need structured training that builds confidence, professionalism, and technical competence from the very beginning.

This three-day training programme for new financial advisers is designed to do exactly that. It focuses on developing both soft skills and hard skills through a structured blend of classroom learning, guided discussions, practical demonstrations, and role-playing exercises. The goal is to help new advisers move beyond theory and apply what they learn confidently in real advisory situations.

These are the parts we will cover in this article.

Why Structured Training Is Essential for New Financial Advisers

Many new advisers enter the industry with strong enthusiasm but limited exposure to how professional financial advice should be delivered in practice. Without a clear framework, advisers may struggle to conduct meaningful conversations, assess client needs accurately, or translate financial concepts into suitable recommendations.

A structured training programme shortens this learning curve. It provides clarity on advisory standards, ethical practices, and professional expectations, allowing new advisers to focus on building long-term client relationships rather than relying on trial and error. More importantly, it establishes good habits early—habits that support sustainable growth and credibility in the industry.

A Balanced Approach: Soft Skills and Hard Skills

This training programme is built on the understanding that effective financial advisers need both strong interpersonal skills and solid technical knowledge. Over three days, participants are guided through both areas in an integrated manner, ensuring neither is developed in isolation.

The learning experience is interactive and practical, allowing advisers to test concepts through role plays and real-world scenarios, rather than relying solely on lectures.

Soft Skills Training: Communicating With Clarity and Confidence

Soft skills form the foundation of effective advisory work. Even the best technical knowledge has little impact if an adviser cannot communicate clearly or understand a client’s true needs.

During the programme, participants are trained in professional prospecting techniques. The focus is on how to initiate conversations with confidence, clarity, and integrity—without sounding scripted or overly sales-driven. Advisers learn how to position themselves as professionals who provide value, rather than as product pushers.

Self-introduction is another key focus. Participants refine how they introduce themselves and their role, ensuring that clients understand what to expect from the advisory relationship. This helps build trust from the very first interaction.

Fact-finding skills are emphasised throughout the training. Advisers learn how to ask the right questions, listen actively, and gather accurate financial information before offering any recommendations. This reinforces ethical advisory behaviour and ensures suitability.

To reinforce learning, soft skills training is supported by role plays where participants practise:

  • Conducting initial client meetings
  • Asking discovery questions
  • Managing client expectations
  • Handling common objections professionally

These exercises help advisers build confidence and prepare them for real client interactions.

Hard Skills Training: Applying Financial Knowledge Professionally

Hard skills training focuses on equipping advisers with the technical competence required to deliver structured, responsible financial advice. This includes investment knowledge, financial planning tools, and insurance-related processes.

Investment Training: Building Strong Advisory Foundations

Investment training begins with an introduction to the firm’s investment philosophy and the advisory support available to new advisers. Participants learn that sound investment advice is based on discipline, process, and alignment with client objectives—not speculation or short-term market movements.

The programme introduces core investment concepts and explains how advisers should apply them in client conversations. These include:

  • The Rule of 72, to help clients understand long-term compounding
  • Dollar Cost Averaging (DCA), to manage market volatility
  • The structured investment process, from goal-setting to review

Advisers are trained to set appropriate investment parameters such as time horizon, diversification, risk management, and portfolio rebalancing. These parameters ensure portfolios remain suitable over time, even as market conditions change.

Participants are also introduced to the core-satellite portfolio approach, which balances stability and growth within a client’s portfolio. This method allows advisers to manage risk more effectively while pursuing long-term objectives.

To support practical implementation, the programme includes an introduction to Harverz, complete with system demonstrations. Advisers learn how the platform supports investment advisory work and how it fits into the broader advisory framework. The training also covers investment advisory support and the Targeting and Assets Under Advisory (AUA) model, helping advisers understand how to grow their advisory practice sustainably.

Using In-House Financial Planning Tools With Structure

Professional financial advice requires proper documentation and a consistent advisory process. This part of the programme focuses on helping advisers use in-house tools confidently and correctly.

Participants are guided through the financial advisory process, from onboarding to implementation. They are introduced to the Financial Compass and how it supports holistic financial planning. Advisers learn how to gather Personal Financial Information accurately and how to interpret it meaningfully.

The programme also provides an overview of Financial Needs Analysis, helping advisers identify financial gaps and prioritise solutions. Special-purpose variants of the Financial Compass are introduced to show how the tool can be adapted to different client situations.

Introduction to General and Group Insurance Advisory

Insurance remains a fundamental pillar of financial planning. New advisers must understand both their responsibilities and the processes involved when handling General Insurance (GI) business.

This module introduces advisers to:

  • The consultant’s professional role in GI business
  • Different classes of GI business
  • The premium payment framework for GI products

Participants are also trained on operational aspects such as ePortal access and the use of the Auto Quotation System, supported by a clear user guide and demonstrations. This ensures advisers can handle GI-related processes efficiently and professionally.

Key Benefits of Attending This Training Programme

By the end of the three days, participants gain a strong foundation that supports long-term success. They develop:

  • Confidence in client conversations
  • Strong fact-finding and communication skills
  • A clear understanding of investment principles
  • The ability to use financial planning tools effectively
  • Greater professionalism and ethical awareness

Rather than memorising scripts or products, advisers leave with structured frameworks they can apply consistently across different client situations.

What Participants Can Expect During the Programme

Participants can expect a structured and engaging learning experience. The training balances theory with practical application, ensuring that concepts are reinforced through discussion, demonstrations, and role plays. Trainers provide guidance, feedback, and clarification throughout the programme, creating a supportive environment for learning.

Most importantly, advisers leave with clarity—clarity on their role, their responsibilities, and how to continue developing after the programme.

Conclusion: Building the Right Foundation for a Sustainable Advisory Career

A successful financial advisory career is built on trust, competence, and consistency. This training programme is designed to instil all three from the very beginning.

By combining soft skills, hard skills, and practical tools in a structured three-day format, the programme prepares new advisers not just to start their careers, but to grow with confidence and professionalism over the long term.

For anyone serious about becoming a trusted, ethical, and capable financial adviser in Singapore, this training programme provides the foundation needed to succeed.

You may also like

Contact ↗