{"id":20499,"date":"2026-10-20T12:08:02","date_gmt":"2026-10-20T16:08:02","guid":{"rendered":"https:\/\/faircanada.ca\/?post_type=article&#038;p=20499"},"modified":"2026-10-20T12:08:02","modified_gmt":"2026-10-20T16:08:02","slug":"que-signifie-reellement-le-terme-conseiller-financier","status":"publish","type":"article","link":"https:\/\/faircanada.ca\/fr\/article\/que-signifie-reellement-le-terme-conseiller-financier\/","title":{"rendered":"Que signifie r\u00e9ellement le terme \u00ab conseiller financier \u00bb ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Commission des services financiers et des services aux consommateurs du Nouveau-Brunswick (FCNB) a produit des ressources pour expliquer aux N\u00e9o-Brunswickois les diff\u00e9rences entre les planificateurs et les conseillers financiers. Vous pouvez consulter ces documents <a href=\"https:\/\/finfo.ca\/fr\/parlons-argent\/conseiller-financier-ou-planificateur-financier-c-est-quoi-la-difference\" rel=\"noopener\" target=\"_blank\">ici<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malheureusement, les exigences impos\u00e9es aux conseillers financiers dans le cadre r\u00e9glementaire de la FCNB ne correspondent pas aux attentes des Canadiens. En 2023, FAIR Canada a publi\u00e9 les r\u00e9sultats <a href=\"https:\/\/faircanada.ca\/whats-new\/fair-canada-job-title-survey\/\" rel=\"noopener\" target=\"_blank\">d\u2019un sondage<\/a> men\u00e9 aupr\u00e8s d\u2019investisseurs (en anglais seulement). Ceux-ci r\u00e9v\u00e8lent que plus de 90 % des investisseurs canadiens estiment qu\u2019un conseiller financier devrait ma\u00eetriser tous les domaines essentiels des finances personnelles, et que plus de la moiti\u00e9 d\u2019entre eux en sont fermement convaincus. Or, le cadre de protection des titres professionnels du Nouveau-Brunswick ne r\u00e9pond pas \u00e0 cette attente. En effet, comme l\u2019indique le document d\u2019information de la FCNB, un conseiller financier est uniquement tenu \u00ab de poss\u00e9der une expertise dans au moins un produit de placement, comme les fonds communs de placement, les fonds n\u00e9goci\u00e9s en bourse (FNB) ou les actions \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela signifie qu\u2019une personne utilisant ce titre peut avoir une expertise et une autorisation limit\u00e9es \u00e0 des produits particuliers, tels que les fonds communs de placement ou les assurances. Les investisseurs ne doivent pas pr\u00e9sumer que ce titre \u00e0 lui seul signifie que la personne est en mesure de les conseiller sur l\u2019ensemble de leurs besoins financiers ou sur l&#8217;ensemble des produits disponibles. Ils doivent demander quelles sont les qualifications et les autorisations du conseiller, comment il est r\u00e9mun\u00e9r\u00e9 et s&#8217;il est limit\u00e9 \u00e0 certains produits ou fournisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque vous avez recours \u00e0 un conseiller financier, il est essentiel de comprendre quels services et conseils il peut ou ne peut pas vous fournir. Posez toujours des questions telles que les suivantes :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Quels produits \u00eates-vous autoris\u00e9 \u00e0 vendre?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Quels services et conseils \u00eates-vous admissible \u00e0 fournir?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Quelle est votre formation?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Quelles normes de conduite \u00eates-vous tenu de respecter?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Comment puis-je d\u00e9poser une plainte concernant votre conduite?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 \u00c0 qui puis-je m\u2019adresser pour le faire?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Comment \u00eates-vous r\u00e9mun\u00e9r\u00e9?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Commission des services financiers et des services aux consommateurs du Nouveau-Brunswick (FCNB) a produit des ressources pour expliquer aux<\/p>\n","protected":false},"featured_media":20498,"template":"","tags":[],"articles_category":[759],"articles_date":[836],"class_list":["post-20499","article","type-article","status-publish","has-post-thumbnail","hentry","articles_category-outils-a-utiliser","articles_date-oct-2026"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Que signifie r\u00e9ellement le terme \u00ab conseiller financier \u00bb ? 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