6. Should the independent financial planner and employees empowered to represent the independent financial planner have specific diplomas, certificates and / or practical experience?

Pursuant to the Law of 25 April 2014, the independent financial planner and the employees empowered to represent it should be 'fit'. The assessment of such fitness will include, but will not be limited to, a review of their education and training in the four areas characteristic of financial planning: civil law, tax law and taxation, social security and socio-economic security, and the economic and financial environment.

The FSMA will assess on a case-by-case basis the fitness of any person applying to become an independent financial planner or of any employee empowered to represent it, taking into account all information submitted in the application for authorization.