CONSULTORIAETH

Financial literacy focuses solely on teaching basic concepts and selecting financial products. However, this approach can be more harmful than beneficial, as it leads individuals to make decisions based on theories that do not always align with their real needs.

True financial education and planning go beyond this approach. They are based on two fundamental pillars:

1. Identifying life goals

2. Optimizing personal, family, or business financial resources to achieve these goals.

It is crucial to understand that effective planning must be backed by solid financial education, which helps change habits, improve personal understanding, and identify needs and life goals.

Financial planning is a structured process that follows a protocol supported by international standards, such as ISO 22222. Not following these standards can turn planning into a mere financial product marketing process instead of a personalized plan. For this reason, at Consultoría ETH, we advocate for the implementation of a certification culture in financial planning and education in Spain and Europe.

On our web platform, we provide detailed information on ISO 22222 and UNI 11402 standards, which establish quality standards in financial services. Our goal is to promote technical standardization in the sector, ensuring service transparency and objectivity, eliminating conflicts of interest, and protecting the market as a whole.

If you want one of our consultants to contact you or your organization, write to us at: consultoria@consultoriaeth.com