The Main Advantages of Women Financial Advisors

During a forum back in 2010, then president of Citi Personal Banking and Wealth Management said that America would never have experienced the 2008 financial crisis if it was the Lehman Sisters and not the Lehman Brothers.

That being said, the financial services industry is still undoubtedly a man’s world. Based on a report by the Bureau of Labor Statistics, only 31% of financial advisors in the US are women, which means almost 8 out of 10 financial brokers and consultants are men. This is contraindicative to the recent findings of a research done by Pershing, a financial consultancy firm under the BNY Mellon group, which revealed a projected rise in demand for women financial advisors.

From the standpoint of financial advisor recruiters, this is a simple economic situation – high demand and low supply equals a lot of opportunities. If you’re a woman in the financial industry, this is a great time to look for better jobs and greener pastures. In doing so, it pays to know what your main advantages are over your male counterparts. This would allow you to strongly position yourself during job interviews.

So, what exactly are your key advantages as a female financial advisor?

Women Understands Women

Women-owned businesses account to trillions of dollars per year. According to the same report from Pershings, female investors are more likely to hire financial consultants than their male counterparts – 46% versus 36%. The study also shows that female clients are more likely to develop a long-term and loyal relationship with a consulting firm. Not coincidentally, most of these women entrepreneurs prefer to hire female advisors. Why do you think is that? For one, it is a consensus in the industry that women clients require more intensive consulting and they take more time than female clients. This is because female investors are more detail-oriented.

Also, the number of wealthy women who are not necessarily investors or entrepreneurs is rising. These are those who just got divorced, was recently widowed, etc. They have real money and they need help in managing their finances. According to financial services recruiters, this new breed of rich women are more comfortable working with female consultants because they are more patient, are typically good listeners and wouldn’t mind hearing about the personal stories of their clients.

Women Generate Clients in More Varied Ways than Men

According to the 2012 Fidelity Broker and Advisor Sentiment survey, 71% of female wealth managers attend industry gatherings and in-person seminars. This is significantly higher compared to the 36% of men who attend such networking events. The report says nothing conclusive about this information but it’s easy to draw an educated hypothesis – women develop more connections and therefore, more opportunities to acquire new clients. Also, women are more open to clients who are looking beyond the traditional investment platforms.

Experts also observe that female financial advisors are craftier in promoting their expertise. Carol Pepper, the woman behind the New York-based investment firm Pepper International wrote a book to promote her services. Chapin Hill Advisors president Kathy Boyle often gives speeches to create thought leadership for the firm. She also use blogging as a tool to reach potential clients.

Women have made and are continuously making their mark in the financial services arena and though they are still outnumbered, it wouldn’t be surprising if they equal or surpass the number of financial advisors in the future.

Current Issues With COSO’s Draft Framework Update

Failures Within the COSO Framework Community

In 1992, COSO released its original Internal Control – Integrated Framework. This framework was in response to the requirements of the 1977 U.S. Foreign Corrupt Practices Act. The framework’s stakeholders have raised the following issues in their comments to the draft COSO 2012 update:

1. The majority of the firms at the center of the global financial crisis were following the SEC regulations which included having an effective internal control over financial reporting (ICFR). The firms’ SEC filings all claimed to have effective ICFR under COSO. Their assessment approaches were failures.

2. COSO has not defined and declared the problems with the existing COSO Framework materials. It has embarked on creating to an updated solution to an undisclosed set of issues.

3. The COSO 2012 update of the framework was developed primarily from one frame of reference.

4. The development approach to this revision did not follow a “Good Judgment Workflow” process. The timing of the process does not provide for adequate review, discussion and consensus development among diverse stakeholders with differing frames of reference.

COSO created a summary definition for an internal control framework containing three control objective categories: operations, financial reporting and compliance. It has also divided the principles concerning controls into five summary components:

1. Risk Assessment

2. Control Environment – Tone at the Top

3. Control Activities

4. Information and Communication

5. Monitoring

COSO followed up on its original framework documentation with additional documentation on the principles and their attributes. In 2004, COSO produced guidance on how to design and implement an enterprise-wide risk management framework. In 2006, COSO issued its guidance for smaller public companies on the principles and attributes of an ICFR Framework. This document was used extensively by the SEC and the PCAOB in their guidance and audit regulations in 2007. A based set of principles-based documentation has been created for the evaluation and assessment of ICFR. COSO must be congratulated for avoiding use of a rules-based approach.

Various commenters are calling on COSO to accomplish the following:

1. Public companies that fall under the regulation of the SEC need to have creditable guidance on how to apply the principles to address the business opportunities and risks with an effective and unique set of internal controls. The guidance needs to provide a comprehensive methodology for the assessment of ICFR.

2. COSO must state clearly the problems with the current Framework materials and their usage in creating controls. There are extensive issues with the creation, maintenance and assessment of COSO frameworks by management. There have been significant corporate governance failings concerning the review of management’s assessments. It does not appear that the external auditors are yet clearly instructed by the regulators on how to play their assurance role. The SECs has a focus on ICFR.

3. COSO needs to directly address the quality control enhancements for Corporate Governance and Risk Assessment. Better Corporate Governance and Risk Assessment are essential to prevent and lessen executive management excesses. The initial SOX regulations and reactions to those SOX regulations did not address the Corporate Governance and Risk Management issues that Congress was trying to address with Sarbanes-Oxley. Auditing Standard 2 and the preponderance of management’s internal control frameworks ran to the detail processing of transactions ignoring entity -level risk assessments. This left open the door for the Corporate Governance and Risk Management failures: i.e. AIG, Fannie/Freddie, Lehman Brothers, Country Wide, Merrill Lynch, MF Global, Lehman Brothers, etc.

4. COSO must implement a “Good Judgment Workflow” process for the approval of the revisions to its materials. COSO needs to recognize that the developers are dominated by a single frame of reference: Big Auditing Firm Experience. Those of us who have been external auditors, internal auditors, CFO’s, CEO’s, consultants to SEC registered firms and educators on frameworks understand how limiting this frame of reference has been to presenting a workable comprehensive framework.

5. COSO needs to establish a strategic plan and a tactical plan for its activities concerning “Quality Controls” over Corporate Governance and the issuing of audited financial statements. The 1977 Foreign Corrupt Practices Act was the first federal mandate for internal control framework usage. COSO’s current Framework was created for addressing this requirement. Most stakeholders did not take this requirement seriously until the Sarbanes-Oxley Act was passed. In this 25 year period little work was accomplished to enhance the art of ICFR by COSO.

Confidence in COSO 2.0

Stakeholders are confident that COSO can move forward to produce a better set of guidance concerning the establishment, maintenance and assessment of internal control frameworks. Historically, COSO has created a number of guidance documents that have contributed to the improvement of internal control frameworks. Numerous professionals have reached a base level of competence in the components of an framework by using the COSO materials as part of their guidance. Auditing firms have greatly expanded their auditing of ICFR and the documentation of this testing in their workpapers. Audit quality controls systems are improving on most firms. The current members of COSO are motivated to the enhancement of the guidance being provided.

COSO needs to:

1. Establish a strategic and technical plan for the updating of the original COSO Framework which is a quality control methodology covering corporate governance, financial reporting and compliance.

2. Within the short-term tactical period:

a. Enhance the current development team with additional frames of reference.

b. Define a clear “good judgment workflow’ for comments, discussion and approval that creates a new base document.

c. Issue a clear problem statement that supports the enhancement efforts.

3. Recognize that if the private stakeholders do not create a comprehensive set of guidelines we will continue to have Congress and Regulators setting the guidelines.

4. Add to the membership and governance of COSO stakeholders that bring frames of reference including risk management, corporate governance, legal, information technology, quality control methodologies, operations, regulators, etc.

COSO will find that if all the stakeholders take part in the process, we can advance the state of the art in frameworks. If we can do this, we will create value for the society as a whole.

Fixing Your Student Loan Problem

College tuition is expensive, we all know about it. Even many people were depending on student loan to help them pay for college. The idea of student loan is to be paid after the student graduated and secure a job position. However, with the high amount of tuition to pay, many people are dealing with huge amount of student loans and even with the current economics, paying student loan is much harder to afford. It makes many people have a big debt problem from its student loans even years after they graduated.Like it or not, college and student loans have been among the biggest problems in our society today. It has big shares on total debt problems today. Many people are struggling with that debt problem even on the edge of failing to pay the debt. You know what kind of bad things will come when you fail to pay the debts and you know you can’t let this thing to happen. It is time to find the solution to fix that problem. First of all, review your debt account. Makes sure that you are not a victim of alleged debt making your burden bigger. Don’t get wrong, many banks and loan lenders do that thing. You can seek for legal or paralegal staff support to help you review your debt account and fix any possible alleged debt.

However, the real solution you need is how to get the actual loan paid and for that you may need to restructure it to make much affordable to pay. Debt consolidation can be a good option and 321loans.org is the right place to come. It is the right place to find the best debt consolidation solution for your student loans. You will love how they really care about your best interest and more importantly, how they really fix the problem you have.

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