FECIF - Fédération Européenne des Conseils et Intermédiaires Financiers

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FECIF - Fédération Européenne des Conseils et Intermédiaires Financiers

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The European Federation of Financial Advisers and Financial Intermediaries (FECIF) was chartered in J

FECIF is an independent and non-profit-making organisation at the exclusive service of its financial adviser and intermediary members from the 27 European Union member states, plus Switzerland and Norway. It is the only European body representing European financial advisers and intermediaries, and it is based in Brussels, the heart of Europe.

02/10/2026

💭“Advice should not be hampered - it should be enabled.”

🆕 FECIF EDITORIAL | OCTOBER 2026
💬 «𝐓𝐡𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐒𝐮𝐫𝐩𝐥𝐮𝐬: 𝐖𝐡𝐚𝐭 𝐭𝐡𝐞 𝐍𝐮𝐦𝐛𝐞𝐫𝐬 𝐒𝐚𝐲 𝐀𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐕𝐚𝐥𝐮𝐞 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞»

🔗 ww.fecif.eu/editorial/edito-october-2026

✍️ In this month’s FECIF editorial, Martin Klein, Managing Board Director of VOTUM Verband and Deputy Chairman of FECIF, looks beyond the usual debate about the cost of financial advice and asks a broader question: what value does advice actually deliver to clients?

🔎Drawing on more than two decades of international research and a new representative German survey of 2,000 citizens, he examines how professional advice can influence saving behaviour, financial literacy, resilience and long-term retirement outcomes.

🎯The findings point to a consistent pattern: advised clients tend to start saving earlier, save more regularly, better understand their financial situation and feel more confident about their financial future.

🇪🇺 Martin also considers what these findings mean for European policymakers, particularly as questions around remuneration, regulation and access to advice continue to shape the debate.

🔗 Read the full editorial here: www.fecif.eu/editorial/edito-october-2026

24/09/2026

📢 𝐅𝐄𝐂𝐈𝐅 𝐰𝐞𝐥𝐜𝐨𝐦𝐞𝐬 𝐚 𝐧𝐞𝐰 𝐦𝐞𝐦𝐛𝐞𝐫 from Portugal 🇵🇹

We are very pleased to welcome ANICA - Associação Nacional Intermediários Crédito Autorizados as a new member of the FECIF family.

💼 ANICA is a non-profit association representing Portugal’s credit intermediation sector, bringing together companies and independent professionals operating under the supervision and authorisation of the Banco de Portugal.

We are also delighted to welcome Tiago Vilaça, President of ANICA, and look forward to working closely with him and his team as part of our European network.

💬 As FECIF Chairwoman Vania Franceschelli commented:

"We are very pleased to welcome ANICA to FECIF. Their experience and perspective will add real value to our network as we continue to strengthen cooperation between advisers and intermediaries across Europe. By bringing together expertise from different national markets, we can better understand the challenges our sector faces and work towards a stronger and more connected European community."

ANICA’s participation further broadens FECIF’s European reach, and we look forward to exchanging expertise, building new connections and working together on the issues shaping the future of financial advice and intermediation.

24/09/2026

📢 𝐅𝐄𝐂𝐈𝐅 𝐰𝐞𝐥𝐜𝐨𝐦𝐞𝐬 𝐚 𝐧𝐞𝐰 𝐦𝐞𝐦𝐛𝐞𝐫 from Ireland 🇮🇪

We are pleased to welcome Brokers Ireland as a new member of the FECIF family.

1️⃣Brokers Ireland is the leading representative association for Insurance, Financial and Mortgage Brokers, supporting over 1,200 Broker firms throughout Ireland. Its membership brings significant experience and expertise to our European network and further strengthens FECIF’s representation of the financial advice and intermediation sector across Europe.

We are also delighted to welcome Diarmuid Kelly, CEO and Rachel McGovern, Deputy CEO, and look forward to working closely with them and the wider Brokers Ireland team.

💬 As FECIF Chairwoman Vania Franceschelli commented:

"We are grateful for Brokers Ireland’s decision to join our European network and look forward to working closely together. Their contribution will be highly valuable as we continue to expand cooperation, exchange expertise and perspectives, and address the evolving opportunities and challenges facing our sector. Together, we can broaden our European reach and contribute to a stronger, more connected and forward-looking financial advice and intermediation community."

🤝 We look forward to building the next chapter of FECIF together.

23/09/2026

FECIF Board Meeting in Budapest 🇭🇺

Yesterday, the FECIF Board gathered for another productive exchange on the latest developments shaping Europe’s financial advisory sector and FECIF’s ongoing priorities.

The meeting was held for the very first time in Budapest 🇭🇺 , kindly hosted by our member association FPKOSZ – the National Association of Independent Financial Intermediaries of Hungary.

A great opportunity to exchange views, strengthen cooperation and continue working together for the interests of financial advisers across Europe.

Many thanks to Tamás Bércesi and the FPKOSZ team for the warm welcome and hospitality, and to everyone who joined us!

05/09/2026

💭 “The issue is therefore not a lack of regulation.”

🆕 FECIF EDITORIAL | SEPTEMBER 2026
💬 «The Evolving Role of Credit Intermediation in Europe»

🔗 www.fecif.eu/editorial/edito-september-2026

✍️ In this editorial, Tamás Bércesi dr. (Secretary General of FPKOSZ) draws on FECIF's recent survey of ten European markets to examine the growing role of credit intermediaries in mortgage distribution. He highlights the need for an EU regulatory framework that better reflects their importance, while combining strong consumer protection with proportionate regulation, greater harmonisation and further digitalisation.

🔗 Read the full editorial here: https://www.fecif.eu/editorial/edito-september-2026

27/07/2026

💭 “The question is not whether belongs in financial services. The question is whether the legal framework applies equally to all participants performing equivalent functions”

🆕 FECIF EDITORIAL | JULY/AUGUST 2026

💬 “𝐖𝐡𝐞𝐧 𝐭𝐡𝐞 𝐂𝐡𝐚𝐭𝐛𝐨𝐭 𝐁𝐞𝐜𝐨𝐦𝐞𝐬 𝐭𝐡𝐞 𝐁𝐫𝐨𝐤𝐞𝐫: 𝐀𝐫𝐭𝐢𝐟𝐢𝐜𝐢𝐚𝐥 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞, 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐭𝐞𝐫𝐦𝐞𝐝𝐢𝐚𝐭𝐢𝐨𝐧, 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐲 𝐕𝐚𝐜𝐮𝐮𝐦 𝐄𝐮𝐫𝐨𝐩𝐞 𝐂𝐚𝐧𝐧𝐨𝐭 𝐀𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐈𝐠𝐧𝐨𝐫𝐞”

🔗www.fecif.eu/editorial/edito-july-2026

✍️ In this editorial, Martin Klein (Deputy Chairman of FECIF & Executive Director of VOTUM Verband) examines the emerging regulatory vacuum surrounding AI-powered chatbots that recommend financial and insurance products without the authorisation required under the Insurance Distribution Directive (IDD). Drawing on VOTUM's own engagement with supervisory authorities, the editorial highlights the urgent need for regulatory clarity, consistent enforcement, and a level playing field for all participants performing equivalent functions.

🔗www.fecif.eu/editorial/edito-july-2026

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03/06/2026

💭 “Financial education equips citizens with knowledge. Professional advice translates that knowledge into decisions suited to their lives”

🆕 FECIF EDITORIAL | JUNE 2026
💬 «Financial Advice and Financial Education Must Advance Together»

🔗 https://www.fecif.eu/editorial/edito-june-2026

✍️ In this June editorial Stefka Topalova (General Manager of EFPA) explores why financial education and professional financial advice are complementary pillars of the Savings and Investments Union, and why both are essential to help citizens make informed financial decisions in an increasingly complex environment.

🔗 Read the full editorial here https://www.fecif.eu/editorial/edito-june-2026

22/05/2026

❗𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞 𝐢𝐬 𝐧𝐨𝐭 𝐚 𝐥𝐮𝐱𝐮𝐫𝐲. 𝐈𝐭’𝐬 𝐚 𝐄𝐮𝐫𝐨𝐩𝐞𝐚𝐧 𝐧𝐞𝐜𝐞𝐬𝐬𝐢𝐭𝐲.

📢 Commissioner Maria Luís Albuquerque has just spoken at the 𝐄𝐒𝐌𝐀 𝐀𝐧𝐧𝐮𝐚𝐥 𝐂𝐨𝐧𝐟𝐞𝐫𝐞𝐧𝐜𝐞 ¨𝐀 𝐍𝐄𝐖 𝐄𝐑𝐀 𝐅𝐎𝐑 𝐄𝐔 𝐂𝐀𝐏𝐈𝐓𝐀𝐋 𝐌𝐀𝐑𝐊𝐄𝐓𝐒¨, reaffirming that the Saving sand Investments Union is a shared responsibility — one that calls on all market players to step up.

and are doing exactly that.

📑 This week we sent a joint letter to the with one clear message: 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞 𝐢𝐬 𝐧𝐨𝐭 𝐚 𝐥𝐮𝐱𝐮𝐫𝐲. 𝐈𝐭'𝐬 𝐚 𝐄𝐮𝐫𝐨𝐩𝐞𝐚𝐧 𝐧𝐞𝐜𝐞𝐬𝐬𝐢𝐭𝐲.

As the takes shape, and professional advice must go hand in hand. More information does not mean better decisions — in a world of growing complexity and unqualified financial influencers, access to , client-centric advice matters more than ever.

Our joint recommendations:
▶ Make professional financial advice a pillar of the SIU — alongside, not instead of, financial education.
▶ Build market participation on trust — through qualified, regulated, client-centric professionals.
▶ Counter the fin-fluencer risk with the only real antidote: regulated advice.

🇪🇺 EFPA and FECIF represent over 500,000 financial professionals across Europe. Swipe through to read our full position 👉

🔗 Read the full joint press release and letter: https://www.fecif.eu/blog/professional-financial-advice-and-financial-education-must-advance-together

https://www.fecif.eu/blog/professional-financial-advice-and-financial-education-must-advance-together

20/05/2026

📝𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞 𝐚𝐧𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐦𝐮𝐬𝐭 𝐚𝐝𝐯𝐚𝐧𝐜𝐞 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐭𝐨 𝐝𝐞𝐥𝐢𝐯𝐞𝐫 𝐭𝐡𝐞 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬 𝐔𝐧𝐢𝐨𝐧

📢 FECIF and EFPA have have jointly addressed Commissioner Maria Luís Albuquerque following her 10 April speech in Helsinki, welcoming the European Commission’s commitment to strengthening retail participation in capital markets and improving financial literacy across the Union (SIU).

In their letter, the two organisations underline that 📚𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞 𝐚𝐫𝐞 𝐜𝐨𝐦𝐩𝐥𝐞𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐩𝐢𝐥𝐥𝐚𝐫𝐬, each serving a distinct purpose in empowering citizens. While education equips individuals with foundational understanding, 🤝𝐪𝐮𝐚𝐥𝐢𝐟𝐢𝐞𝐝 𝐚𝐧𝐝 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐞𝐝 𝐚𝐝𝐯𝐢𝐬𝐞𝐫𝐬 𝐭𝐫𝐚𝐧𝐬𝐥𝐚𝐭𝐞 𝐭𝐡𝐚𝐭 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐢𝐧𝐭𝐨 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥𝐢𝐬𝐞𝐝, 𝐬𝐮𝐢𝐭𝐚𝐛𝐥𝐞 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬, ensuring that savers can navigate increasingly complex financial choices responsibly.

The joint statement also highlights the ⚠️𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐫𝐨𝐥𝐞 𝐨𝐟 𝐡𝐢𝐠𝐡‑𝐪𝐮𝐚𝐥𝐢𝐭𝐲 𝐚𝐝𝐯𝐢𝐜𝐞 𝐢𝐧 𝐬𝐚𝐟𝐞𝐠𝐮𝐚𝐫𝐝𝐢𝐧𝐠 𝐜𝐢𝐭𝐢𝐳𝐞𝐧𝐬 against misinformation, unregulated financial influencers, and potential misconduct—factors that can undermine trust in financial markets and hinder long‑term savings mobilisation.

🇪🇺 FECIF and EFPA reiterate their support for the Commission’s objectives under the Savings and Investments Union and express their readiness to engage in constructive dialogue with Commissioner Albuquerque and her services to further strengthen professional standards and enhance citizens’ access to trusted advice.

ℹ️For more information or to request an interview, please contact the FECIF or EFPA Secretariat.

🔗 Read the full joint press release and the letter here: https://www.fecif.eu/blog/professional-financial-advice-and-financial-education-must-advance-together

07/05/2026

💭“European households save. What they conspicuously fail to do is invest”

🆕 FECIF EDITORIAL | MAY 2026

💬 «Europe Saves. Europe Fails to Invest. The Difference is Advice.»
🔗 https://lnkd.in/dDkX96WB

✍️ Building on the discussions at the FECIF April event, Simon Colboc, FECIF Secretary-General, explores Europe’s investment gap and the key role of financial advice in turning savings into long-term investment.

🔗 Read the full editorial here https://lnkd.in/dDkX96WB

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