Form 1: Proposal for a new field oftechnical activity
Circulation date:2018-05-31
Closing date for voting:2018-08-23

Reference number(to be given by Central Secretariat)

Proposer:

ISO/TS/P 274

BSI

ISO/TCA proposal for a new field of technical activity shall be submitted to the Central Secretariat, which willassign it a reference number and process the proposal in accordance with the ISO/IEC Directives(part 1, subclause 1.5). The proposer may be a member body of ISO, a technical committee,
subcommittee or project committee, the Technical Management Board or a General Assemblycommittee, the Secretary-General, a body responsible for managing a certification system operating
under the auspices of ISO, or another international organization with national body membership.
Guidelines for proposing and justifying a new field of technical activity are given in the ISO/IEC
Directives (part 1, Annex C).
The proposal (to be completed by the proposer)

Title of the proposed new committee (The title shall indicate clearly yet concisely the new
field of technical activity which the proposal is intended to cover.)Sustainable Finance
Scope statement of the proposed new committee (The scope shall precisely define thelimits of the field of activity. Scopes shall not repeat general aims and principles
governing the work of the organization but shall indicate the specific area concerned.)Standardization in the field of Sustainable Finance.
The programme of work will promote the integration of sustainability considerations and environmental,social and governance (ESG) practices into institutional investment decision-making and wider financemanagement. It will ultimately look to support the alignment of the global financial system with sustainable
development goals.

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Proposed initial programme of work (The proposed programme of work shall correspondto and clearly reflect the aims of the standardization activities and shall, therefore, show
the relationship between the subject proposed. Each item on the programme of work shallbe defined by both the subject aspect(s) to be standardized (for products, for example,
the items would be the types of products, characteristics, other requirements, data to besupplied, test methods, etc.). Supplementary justification may be combined withparticular items in the programme of work. The proposed programme of work shall alsosuggest priorities and target dates.
The initial Sustainable Finance programme of work, outlined here, would align to the conceptual framework
given in Figure 1 below (as developed by the United Nations Environmental Programme (UNEP)).

Figure 1. Sustainable Finance framework and parameters

As a priority and to lead the programme, a Framework for Sustainable Finance Management Guide will be
developed to consolidate concepts relating to sustainable finance, agree common terminology (e.g. definitions
and taxonomy), and provide practical guidance on principles and practices that constitute sustainable finance(management). It will provide examples of good practice, as well as implementation guidance on the different
approaches financial organisations can take to improve and demonstrate their activities and organisationalmodels are in line with Environmental, Social and Governance (ESG) criteria and the Sustainable
Development Goals (SDGs). The standard will bring related concepts and activities (e.g. responsible
investment management, stewardship, green and environmental finance) under the wider, more holistic
umbrella of sustainable finance, thus linking global financial activities with the SDG agenda. Importantly, it willdraw upon existing and ongoing standardization effort (such as environmental management, governance,social responsibility, financial services, climate finance work), and will serve as the basis of futureinternational sustainable finance standardization at the process (i.e. fund manager) and product (e.g. fund)level.
The wider programme will also address:
1.

Integration of Sustainability considerations and ESG principles into financial decision-making andbroader financial services and products

Responsible investment aspect
Standards that underpin and encourage management of investments in a responsible, credible manner are
vital to the promotion of investor confidence and, more generally, to the uptake of sustainable businesspractices within the global financial community. Responsible investment-focused standards will address theissue of how firms integrate ESG considerations and related factors into decision-making in a consistent way
and report on sustainability performance and risks to promote active disclosure and greater transparency.
This would help consumers, private and institutional investors make more informed and responsible choices,and will provide confidence that investments are being made responsibly. Standards for responsible
investment can be developed at the strategic/organisational (process) level, e.g. standards for responsible
fund-management policies and practices, and could also include terminology, assessment and reporting.
Linked closely to responsible investment at the organisational/process level, standards at the product/fundlevel could be also developed (and have been suggested by industry) to promote clearer product labelling andconsistent classification, and more generally, to enhance the impact of process-level standards.
Stewardship aspect
Further standards would also consider ‘stewardship’ of assets, i.e. how fund managers engage with theirportfolio, monitor sustainability performance and take on active asset ownership in the companies where they
have invested, responding to risks and encouraging good practice. Standards in this space would support andstrengthen existing industry initiatives, such as the UN Principles for Responsible Investment (PRI).

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(Social) impact investment aspect
Impact investing is concerned with making investment decisions to achieve good social outcomes as well as
financial return. Standards would ensure consistent approaches (e.g. disclosure/reporting) and provide
guidance on how financial providers engage with individuals and communities to support the values and social
causes they care about. Future standards will provide definitions, outline principles, approaches, outcomes,
assessment, reporting. They could incorporate reporting against the SDGs (and the way SDGs have been
integrated into the investment process).

2. Green financeGreen finance bridges global environmental priorities and the financial system. According to the G20 Green
Finance Study Group, it is the “financing of investments that provide environmental benefits in the broader
context of environmentally sustainable development”. Green finance incorporates ‘climate finance’ (clean
energy, low-carbon transport, energy efficiency and climate resilience), as well as broader environmental
and conservation finance to fund green growth and protect and restore natural environments, forest andwater resources, biodiversity and eco-systems. Green finance is the environmental pillar of sustainablefinance. International standards developed within this strand will build upon successful work and initiatives
and will provide common taxonomies and globally agreed terminology, guiding principles and assessment
criteria. They will harmonize and enhance standards and initiatives on climate finance, and will seek tointegrate green/climate finance practices with sustainable finance.

3. Sustainable investment at the sector level / sustainable finance applications
The need to mobilise investment around specific project types, sectors and/or by major investment category
could in the long-run inform the development of standards that establish criteria, process and assessment
requirements for investments in smart and sustainable cities, natural capital, energy efficiency programmes,
green and sustainable infrastructure, etc. Thus, the need for standards for financing green cities has beenhighlighted by some of the stakeholder communities we have engaged with. Standards for investments ingreen/smart cities, natural capital, energy efficiency and green infrastructure will therefore link to the impact
investment aspect referred to above.

Indication(s) of the preferred type or types of deliverable(s) to be produced under the
proposal (This may be combined with the "Proposed initial programme of work" if moreconvenient.)
Under this new ISO TC new international standards will be developed and published in the specified work
areas. Given the scope of the work, it is envisaged that some areas of work may grow into SCs.

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A listing of relevant existing documents at the international, regional and national levels.
(Any known relevant document (such as standards and regulations) shall be listed,regardless of their source and should be accompanied by an indication of theirsignificance.)
There are no international/formal standards on the wider subject of sustainable finance or significant aspectsof sustainable finance (such as sustainable finance management or responsible investment).
ISO/TC 207/SC 7 is developing ISO 14097, Framework and principles for assessing and reporting
investments and financing activities related to climate change. The scope of this standard is climate changespecific (i.e. focuses on the climate impact of financial activities) and it therefore does not contradict what is
proposed here. This work can be comfortably linked to standards development activity within the proposed
Sustainable Finance TC, and could inform such activities (particularly new standards development withinstrands 2 and 3 above, namely Green finance and Sustainable investment at the sector level/Sustainablefinance applications).
More recent developments, such as the green bonds performance ISO 14030 and the China (SAC) proposalon green finance project assessment, relate to specific aspects of the proposed sustainable financeprogramme, and/or address specific types of application (i.e. the product/project level of work proposed withinstrand 2 and 3 above). As with the ISO 14097 example above, the green bonds work and the SAC green
finance project proposal fill in specific, somewhat narrow standardization gaps within the much wider andcomplex field of sustainable finance. The value of standards development work under the auspices of TC
207 is undeniable and will inform future standardization effort, however, of concern is the disparate nature ofsuch standardization projects, the lack of a holistic framework within which such standards could exist andrefer to, and, perhaps most importantly, the insufficient financial expertise and financial industry
representation on committees and subcommittees traditionally populated with environmental management
experts. The proposed sustainable finance TC will hold such financial/industry expertise and could therefore
provide valuable input into the development of ISO 14097 and ISO 14030, without the need for such work to
be re-allocated to the new TC, but linked conceptually, and by cross-references (to the wider and financial
industry-focused portfolio of the new TC).
Additionally, ISO/TC 207/SC 1 is developing ISO 14007, Environmental management: Determining
environmental costs and benefits – Guidance, and ISO 14008, Monetary valuation of environmental impacts
and related environmental aspects — Principles, requirements and guidelines. This work will be of somerelevance to the activity of the newly proposed TC and could inform new work items developed within thesustainable finance programme.
Key (published) standards of relevance to the work of the proposed TC:
BS 8900-1, Managing sustainable development of organizations. Guide and BS 8900-2, Managing sustainable
development of organizations. Framework for assessment against BS 8900-1. Specification.
ISO 26000, Guidance on social responsibility
ISO 31000, Risk management. Principles and guidelines.
ISO 22301, Societal security. Business continuity management systems. Requirements.
BS 10500, Specification for an anti-bribery management system (ABMS).
BS 65000, Guidance on organizational resilience.
ISO 14001, Environmental management systems. Requirements with guidance for use.
BS 76000, Human resource. Valuing people. Management system. Requirements and guidance.
ISO 14064-1, Greenhouse gases. Specification with guidance at the organization level for quantification and reporting ofgreenhouse gas emissions and removals.
ISO 14064-2, Greenhouse gases. Specification with guidance for the validation and verification of greenhouse gas
assertions.
ISO 22222, Personal Financial Planning. Requirements for personal financial planners

Other standards of relevance to the work of the proposed TC (to inform and feed into the future work of theTC) are listed in Annex 1 to this proposal.
Other initiatives of relevance:
UNPRI, Principles for responsible investment
EC Sustainable Finance, High-Level Expert Group on Sustainable Finance, and EU strategy on sustainable financesetting out a roadmap for further work and upcoming actions (of March 2018)
Financial Stability Board (FSB), Task Force on Climate-related Financial Disclosures, Final report
Financial Reporting Council (FRC) UK, Stewardship CodeNatural Capital Coalition (NCC), Natural capital protocol, finance sector supplement
Climate Bond Initiative (CBI), Climate bonds standard and sector specific standards for water, solar, wind, low carbon
buildings, geothermal and low carbon transport
Equator Principles (EP) Association, The Equator Principles
G20 Energy Efficiency Finance Task Group, Energy Efficiency Investment Toolkit
International Capital Market Association (ICMA), Green Bond Principles
International Finance Corporation (IFC), Performance Standards on Environmental and Social Sustainability

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A statement from the proposer as to how the proposed work may relate to or impact on
existing work, especially existing ISO and IEC deliverables. (The proposer should explain
how the work differs from apparently similar work, or explain how duplication andconflict will be minimized. If seemingly similar or related work is already in the scope ofother committees of the organization or in other organizations, the proposed scope shalldistinguish between the proposed work and the other work. The proposer shall indicate
whether his or her proposal could be dealt with by widening the scope of an existingcommittee or by establishing a new committee.)
The proposed new programme of standards on sustainable finance will complement, harmonize andstrengthen existing ISO activity and successful industry initiatives. The scope of the programme, in terms of
its technical focus, complexity and dependence on specific industry expertise, cannot be effectively dealt withby widening the scope, or changing the structure, of existing committees. The latter is a complex and lengthy
process with uncertain outcome, while, as per industry indications, certain sustainable finance aspects andissues need to be dealt with urgently and swiftly at the ISO level. The proposed new committee offers such a
straightforward route forward. It will provide additional benefits in the form of harmonization of current
disparate projects, proposals and approaches relevant to discrete areas of green and sustainable finance.
The current ISO technical committee (TC) structure is unsuitable to support a holistic, timely and industryled standardization approach to sustainable finance. As currently proposed, the sustainable financestandards programme falls outside the expertise and the remit of relevant, existing TCs, namely ISO/TC 207(Environmental Management), TC 68 (financial services, security and core banking), TC 309 (Organizational
governance) and any Social Responsibility committees (ad hoc, existing or dormant).
Standards developed within ISO TC 68 – Financial Services – Standardization in the field of banking,securities and other financial services, primarily concern projects relating to financial industry reference dataand semantics (e.g. securities identification numbering systems), information exchange (e.g. messaging
formats for payments and transactions) and related security. Whilst some of the standards are known andused by the investment industry, they are designed as technical standards to facilitate transaction
interoperability and security and are not related to management processes, principles and assessment of
products or funds. The TC’s current work programme does not refer to any planned activities in the field ofgreen and sustainable finance. Therefore it is felt that TC 68 would not be a natural home to develop
standards for sustainable finance as it would be outside of its current scope, remit and technical focus, i.e.
TC 68 does not concern itself with sustainability issues, integration of ESG criteria into investment decisionmaking or related needs and challenges.
Similarly, the current scope of TC 207, Environmental Management, hinders this TC from moving from strictly
environmentally related matters to also including a broader take on sustainability. Neither committee has
representation and/or sufficient expertise from within the financial, and respectively the sustainability
community, to carry out sustainable finance standardization of the type and urgency needed to support the
global financial industry’s recent SDG alignment work, and the growing policy commitment to mobilizing
finance to benefit green and sustainable initiatives, programmes and aspirations. The proposed sustainablefinance TC could therefore foster more consistency across future standards to be developed of relevance tothe financial, environmental, governance, etc. standardization communities, while putting ISO in a better
position to provide global solutions to implement the SDG agenda.
Regarding the topic of environmental finance which TC 207 has been increasingly focusing on, with projects
in development (such as ISO 14097 and ISO 14030), it is our expectation that such work will inform the Greenfinance component of the sustainable finance programme proposed here, and any new/additional work items
developed within this component. We do not see the need for any existing work items to be re-allocated to
the new TC. However, our expectations would be that any additional, new item proposals forgreen/environmental finance standards with finance community focus would be led by the new TC which will
have the required expertise and representation to carry out such work, while new environmental management
community-focused work would continue to be carried out by TC 207.
The successful delivery of a holistic sustainable finance standardization programme therefore requires a newcommittee, and dedicated committee support, which brings together all relevant stakeholders. By establishingliaisons with relevant technical committees, in particular ISO/TC 207 and its related SCs, and TC 68, any
overlap would be managed and duplication minimized. Engagement will be put in place to ensure effective
collaboration among BSI, SAC and ANSI and other interested members in moving related activities forward.
BSI has already reached out to a number of industry leaders (with global presence), policy makers,
international organisations, subject experts and the like, to procure their support in the delivery of aninternational sustainable finance standards programme, and would be looking to channel that support andknowledge into the new TC and into the collaboration mechanisms established between the sustainablefinance TC, and the aforementioned existing ISO TCs. It is also hoped that this proposal and the futuresustainable finance TC will inform and complement the work of the TMB Taskforce on the SDGs.

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A listing of relevant countries where the subject of the proposal is important to theirnational commercial interests.
The subject area proposed here would have global implications and is of interest to a great number ofcountries. A holistic standards programme for Sustainable Finance at the ISO level will help align global
financial systems with sustainable development goals, thereby delivering significant environmental, economic
and societal benefits, including:•
driving innovation, further collaboration and thought-leadership in the financial sector;•
better integration of ESG issues into investment and finance practices;•
common terminologies and standardized approaches to reporting and benchmarking to enable informed
investment decision-making;•overcoming the gaps and challenges associated with existing industry initiatives to add rigour, thereby driving
behavioural change;•
supporting growth in the market for sustainable financial products and initiatives by building capacity.
Countries to which this subject is of most relevance and that have been proactive in promoting initiatives
relating to (aspects of) sustainable finance, include: the UK, USA, China as well as the countries within theEuropean Union and EU’s Capital Market Union (see below).

A listing of relevant external international organizations or internal parties (other ISO
and/or IEC committees) to be engaged as liaisons in the development of thedeliverable(s). (In order to avoid conflict with, or duplication of efforts of, other bodies,
it is important to indicate all points of possible conflict or overlap. The result of any
communication with other interested bodies shall also be included.)
1.

Internal parties (other ISO committees) – these are all committees, sub-committees and structures
named above.

2.

External organizations:

Liaisons will be sought from the following national and global organisations:UNPRI
GFI (Green Financial Initiative)
FSB (Financial Stability Board)
EC Sustainable Finance, High-Level Expert Group on Sustainable Finance
Natural Capital Coalition
Climate Bond Initiative (CBI)
Equator Principles (EP) Association
G20 Energy Efficiency Finance Task GroupInternational Capital Market Association (ICMA)International Finance Corporation (IFC)
Conversations with many of these groups and organizations have already started and support for this
proposal procured.

A simple and concise statement identifying and describing relevant affected stakeholder
categories (including small and medium sized enterprises) and how they will each benefit
from or be impacted by the proposed deliverable(s).
This portfolio of standards would be designed to meet the needs of different stakeholders in the financial
supply chain including institutional investors, fund managers and asset owners, consultants, advisers (IFAs),
pension fund trustees, consumers, etc.
The objectives of the proposed programme is to coordinate and enhance ongoing international effort by the
global finance industry, national governments, regional and international financial institutions to align the
global financial sector with sustainable development (goals). The delivery of this proposal will therefore meetsuch national and international objectives set by these different actors.
More specifically, the proposal will support national governments in delivering on domestic green financepolicies where such policies have been developed.
It will provide assurance to global stakeholders, particularly the users and beneficiaries of financial services
and products (including consumers), of the credibility of financial practices.

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An expression of commitment from the proposer to provide the committee secretariat if
the proposal succeeds.
The UK will provide secretariat for this new TC if the proposal is successful.

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Purpose and justification for the proposal. (The purpose and justification for the creationof a new technical committee shall be made clear and the need for standardization in thisfield shall be justified. Clause C.4.13.3 of Annex C of the ISO/IEC Directives, Part 1
contains a menu of suggestions or ideas for possible documentation to support andpurpose and justification of proposals. Proposers should consider these suggestions,but they are not limited to them, nor are they required to comply strictly with them. Whatis most important is that proposers develop and provide purpose and justification
information that is most relevant to their proposals and that makes a substantial
business case for the market relevance and the need for their proposals. Thorough, welldeveloped and robust purpose and justification documentation will lead to more
informed consideration of proposals and ultimately their possible success in the ISO IEC
system.)There is strong evidence to support the need for the proposed work programme - from industry research tocalls from European and international organizations and communities for a joined-up, holistic approach tosustainable finance (standardization). As no one existing ISO technical committee represents thatstakeholder community adequately (and therefore cannot develop the proposed standards within its current
scope and expertise) the creation of a new technical committee is necessary to bring together the key
stakeholders and deliver a successful programme of standards on the wider subject of sustainable finance.
Further evidence of the need for this proposal (based on extensive research and engagement with relevant
stakeholders and their international networks) is provided below:
With regard to Sustainable Finance in general and the issue of Sustainability and ESG integration inorganizational policies, financial decision-making, services and products (and specifically its
Responsible Investment component):
United Nation’s Environment Programme (UNEP) have highlighted an urgent need to accelerate the transition
to a green economy by better aligning the financial system to the resilience of the real economy 1. UNEP’s
global inquiry into the Design of a Sustainable Financial System indicates how the “convergence of nationallevel innovation with international frameworks, goals and ambitions provides the opportunity to create a newpathway for promoting green finance in the broadest sense”.
In 2016 the European Commission appointed a High-Level Expert Group on sustainable finance to elaborate acomprehensive set of recommendations for the financial sector to support the transition to the low-carbon economy.
Inspired by their final report (of January 2018) in early March 2018 the Commission proposed an EU strategy onsustainable finance setting out a roadmap for further work and upcoming actions covering all relevant actors in thefinancial system, and responding to a number of pressing challenges. These include:

•
•
•
•
•
•

Establishing a common language for sustainable finance, i.e. a unified EU classification system – ortaxonomy.
Creating EU labels for green financial products on the basis of this EU classification system.
Clarifying the duty of asset managers and institutional investors to take sustainability into account in theinvestment process and enhance disclosure requirements.
Requiring insurance and investment firms to advise clients on the basis of their preferences on sustainability.
Incorporating sustainability in prudential requirements.
Enhancing transparency in corporate reporting.

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Although efforts have been made to incorporate sustainable development into financial services via
responsible investment drives and a variety of industry-led initiatives designed to better address ESG
practices, there is no work underway yet to meet the challenges and opportunities of sustainable financeholistically, through recognized and influential international standards. Thus, there have been calls fromglobal fund managers for the development of international standards covering responsible investment as partof a commitment towards a sustainable finance policy. Examples include Aviva’s How finance can further thesustainable development goals - https://www.aviva.com/media/thought-leadership/money-talks-how-financecan-further-sustainable-development-goal/; and file:///C:/Users/daleym/Downloads/Money_Talks__How_Finance_Can_Further_the_Sustainable_Development_Goals.pdf
A BSI workshop held in March 2018 with the financial (investment) and sustainability communities identified anumber of specific challenges and opportunities where internationally-relevant standardization was needed topromote greater transparency, confidence and help mobilize green and sustainable finance. These included:•
Signalling and trust – standards could be used to create demand for sustainable investments and trust with
end-customers, e.g. improved disclosure practices and product labelling could help investor confidence.
•
Simplification – there is a need for an agreed set of definitions and common terminology for the industry.
•
Build upon and strengthen existing efforts – promote more consistent and reliable integration of sustainability
and ESG (environmental, social and governance) practices into investment decision-making.

With regard to Green/Environmental Finance
The global green finance community has also called for standards to address issues of integration of ESG
practices into investment decisions, as well as the need for more consistent assessment, reporting andmonitoring. Standards are therefore, increasingly seen as enablers of greater comparability within industry,
used to inform investment decision-making in complex markets.
A City of London Corporation research report from 2017, ‘Globalising green finance: the UK as aninternational hub’ included a key recommendations for the ‘promotion of voluntary principles for green financeand ability to measure impact'. The report suggested consistency and confidence from a common set ofminimum standards and guiding principles will help remove the risk of ‘green washing’ and reputational risk togreen finance. The research report concluded that there is need for:• Consistent labelling of green financial products through the development of industry guidelines;• A common checklist covering the principles, processes and criteria to be completed at the institutional and/or
product level;• Common performance metrics for green impacts and established methodologies, approaches and verification
procedures for their calculation.
The final report 2 of the Task Force on Climate-related Financial Disclosures also makes reference for theneed for standardization - https://www.fsb-tcfd.org/wp-content/uploads/2017/06/FINAL-TCFD-Report-062817.pdf.

Signature of the proposer
Amanda Richardson, Head of External Policy, BSI

2

https://www.fsb-tcfd.org/wp-content/uploads/2017/06/FINAL-TCFD-Report-062817.pdf

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Annex 1
Standards of relevance to the work of the proposed TC
BS 8900-1, Managing sustainable development of organizations. Guide.
BS 8900-2, Managing sustainable development of organizations. Framework for assessment against BS 89001. Specification.
ISO 26000, Guidance on social responsibility
EN ISO 22301, Societal security. Business continuity management systems. Requirements.
BS 76000, Human resource. Valuing people. Management system. Requirements and guidance.
ISO 20400, Sustainable procurement. Guidance.
BS 8904, Community sustainable development. Guidance.
BS 10500, Specification for an anti-bribery management system (ABMS).
BS 65000, Guidance on organizational resilience.
ISO 31000, Risk management. Principles and guidelines.
ISO 22301, Societal security. Business continuity management systems. Requirements.
BS 76000, Human resource. Valuing people. Management system. Requirements and guidance.
ISO 14001, Environmental management systems. Requirements with guidance for use.
ISO 9001, Quality management systems. Requirements.
ISO 14004, Environmental management systems. General guidelines on implementation.
ISO 14051, Environmental management. Material flow cost accounting. General framework.
ISO 14044, Environmental management. Life cycle assessment. Requirements and guidelines.
ISO 14025, Environmental labels and declarations. Type III environmental declarations. Principles andprocedures.
BS 8555, Environmental management systems. Phased implementation. Guide.
ISO 14031, Environmental management. Environmental performance evaluation. Guidelines.
PD ISO/TS 14033, Environmental management. Quantitative environmental information. Guidelines andexamples.
ISO 19011, Guidelines for auditing management systems.
PAS 2050, Specification for the assessment of the life cycle greenhouse gas emissions of goods and services.
PAS 2070, Specification for the assessment of greenhouse gas emissions of a city.
PAS 2080, Carbon management in infrastructure.
ISO 14064-1, Greenhouse gases. Specification with guidance at the organization level for quantification andreporting of greenhouse gas emissions and removals.
ISO 14064-2, Greenhouse gases. Specification with guidance for the validation and verification of greenhousegas assertions.
PD CEN ISO/TS 14067, Greenhouse gases. Carbon footprint of products. Requirements and guidelines forquantification and communication.
EN 15804, Sustainability of construction works. Environmental product declarations. Core rules for the productcategory of construction products.
ISO 55000, Asset management. Overview, principles and terminology
ISO 55001, Asset management. Management systems. Requirements
ISO 55002, Asset management. Management systems. Guidelines for the application of ISO 55001
ISO 22222, Personal financial planning. Requirements for personal financial planners

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