ファイナンシャル・プランナー ファイナンシャル・プランナー
What ファイナンシャル・プランナー do
An English description is being prepared. Japanese description:
資産設計では、顧客のライフスタイルや価値観を踏まえながら、家族・年齢構成や収入・支出の内容、資産、負債、保険など、基礎となるデータを聞き取りによって集める。希望や目標を聞き、現状を分析した上で、必要に応じて弁護士、税理士や保険・不動産などの専門家の協力を得て、総合的な資産設計について、顧客に最適なプランを作成し、提示する。
資産設計をする際、顧客のデータだけではなく、最新の経済・金融情報、税制や不動産に関する情報を収集・調査することが欠かせない。そのため、インターネットを利用して情報を収集したり、相談・助言やプラン作成にはパソコンスキルが不可欠となっている。
ファイナンシャル・プランナーは職業名であり、資格がなくてもファイナンシャル・プランニングの仕事はできるが、顧客の相談に応じるためには年金、税制、相続、各種保険、金融商品、住宅ローン等関連の幅広い専門知識が必要となる。
◇ よく使う道具、機材、情報技術等
文書作成ソフト（Word、一太郎等）、パソコン
Employment type of workers
ファイナンシャル・プランナー salary
The average annual pay for ファイナンシャル・プランナー in Japan is ¥11.35M (≈ $72,155; Basic Survey on Wage Structure (2025), national). The estimated median is ¥10.55M, the typical range is ¥6.09M–¥23.18M and the top 10% earn about ¥19.24M.
How does your pay compare with people your age?
Your numbers are not sent or stored. The distribution is estimated from Japan's national wage statistics, including pay differences by age.
Pay by ageest.
Estimated from the average pay and average age (39.4) using the age-wage curve of the Basic Survey on Wage Structure.
Pay by experienceest.
Pay by employment typeest.
The average hourly wage of ¥5,497 is 4.7× Japan's national average minimum wage of ¥1,177 (fiscal 2026). Minimum wage by prefecture →
Japanese pay is shown in yen (¥5.57M = 5.57 million yen ≈ 557万円). Dollar figures use the current rate of 157.25 yen per dollar and are for reference only; purchasing power differs.
Pay over time
| Year | Average pay | Employment | Openings ratio |
|---|---|---|---|
| 2021 | ¥10.30M | — | — |
| 2022 | ¥7.81M | — | — |
| 2023 | ¥9.48M | — | 0.70x |
| 2024 | ¥9.03M | — | 0.64x |
| 2025 | ¥11.35M | — | 0.62x |
Projected pay for ファイナンシャル・プランナー (3, 5 and 10 years)est.
Today ¥11.35M → in 3 years ¥11.78M → in 5 years ¥12.08M → in 10 years ¥12.86M (10-year range ¥11.06M–¥14.93M). The model assumes pay growth of +1.3% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (the job-openings-to-applicants ratio), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for ファイナンシャル・プランナー
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace ファイナンシャル・プランナー? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using the MHLW job tag survey on work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for ファイナンシャル・プランナー
A ratio above 1.0 means there are more job openings than applicants (a labor shortage). The 5- and 10-year figures are estimates from the openings ratio, wage momentum and AI replacement risk.
The same job in the United States
| ファイナンシャル・プランナー Japan | Personal Financial Advisors United States | |
|---|---|---|
| Median / average pay | ¥11.35M ≈ $72,155 | $105,070 |
| Pay in 10 years (est.) | ¥12.86M | $127,000 |
| Outlook score | 43 | 40 |
| AI replacement risk | 72% High | 82% Very high |
| Workers | — | 267K |
Matched by occupation (SOC code). Yen converted at 157.25 JPY/USD for reference; Japanese figures are averages, U.S. figures are medians, and the surveys define occupations differently.
Skills, education and requirements for ファイナンシャル・プランナー
Key skills
Skill levels from the MHLW job tag worker survey.
Key knowledge areas
What the work involves
Important abilities
Licenses and certifications (Japan)
- ファイナンシャルプランナー（ＣＦＰ／ＡＦＰ）
- １級ファイナンシャル・プランニング技能士 National license
- ２級ファイナンシャル・プランニング技能士 National license
- ３級ファイナンシャル・プランニング技能士 National license
- 証券アナリスト（ＣＭＡ）
Related qualifications listed on job tag (names in Japanese). Some are mandatory, others recommended.
Education of workers
Training before entry
Related work experience
Difficulty of entry: ★★★★★ Hard to enter (from education, training, experience, licenses)
How to become ファイナンシャル・プランナー
The typical path in Japan is shown by the education, training and experience of current workers above and in the Japanese guidance below. A detailed English guide for this occupation is being prepared.
Guidance from job tag (Japanese)
資格取得後も最新の経済・金融情報、税制や不動産に通じている必要があるため、継続的な学習が必要となる。
Career path and how to earn more as ファイナンシャル・プランナー
Career-path guidance is being prepared. Pay by experience is shown in the Pay section.