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  “保险公司的规划师是卖保险,养老公寓的是卖房子,还有一些是卖旅游产品与保健品”

  养老规划师是“真规划”还是“假服务”?

  阅读提示

  伴随老年经济兴起,养老规划师、养老经纪人等岗位招聘信息出现。记者采访了解到,有的岗位招聘属于“挂羊头卖狗肉”;有的从业者凭借专业能力,成为个性化养老方案的定制顾问。专业人士建议,建立相关认证体系,让从业者有章可循、服务有标可依、监管有迹可查。

  “高薪招聘养老规划师、养老经纪人,工作时间自由、收入可观……”近段时间,不少招聘平台出现养老顾问、养老规划师、养老事业合伙人等岗位的招聘信息,有的声称“工作内容简单,轻松月入十万元”。这些岗位以诱人的薪资承诺、体面的职业名称,受到不少求职者青睐。

  但是,记者采访发现,有人借养老规划之名,用精心设计的话术剧本,击中求职者的职业幻想与老年人的养老恐慌;有人凭借专业能力,在养老规划赛道实现月入数万元,甚至更高。养老规划师真能帮老年人规划老年生活吗?

  养老规划师多与养老无直接关系

  今年3月初,王薇(化名)在招聘平台看到重庆某保险机构招聘养老规划师,承诺薪资轻松过万元,工作时间自由。她抱着试试的心态投了简历。面试时,王薇注意到,该岗位的职责是“结合当前人口老龄化问题、老百姓对于未来养老问题的担忧、养老社区体系及客户情况,为客户提前做好养老规划”。

  “起初,我以为应聘者需要有与养老规划相关的证书,但公司根本没提及资质和证书,参加入职培训时才知道,这个工作的本质就是卖保险。”王薇告诉记者。

  据统计,截至2023年末,我国60周岁及以上老年人口为29697万人,占总人口的21.1%,这标志着我国已经正式步入“中度老龄化”社会。在这一趋势下,养老服务成为社会热点话题。

  但是,记者了解到,目前养老规划师并无明确定义,其称呼也是五花八门,只是瞄准的目标都是有潜在养老需求的老人,为老人及其家属提供相关信息和服务等,并从中收取费用。

  记者查询各招聘平台发现,发布养老规划师、养老经纪人、康养顾问等岗位招聘信息的,多为金融保险机构、养老机构、康养地产项目运营商及养老社区等商业主体,其业务属性与“销售导向”高度绑定。同时,招聘信息上的“月入轻松过万元”,也与销售额挂钩。

  重庆某养老机构护理部负责人刘女士告诉记者,线上招聘平台发布的养老规划师招聘信息看似专业又体面,但其实很多都与养老没有直接关系。“保险公司的规划师是卖保险,养老公寓的是卖房子,还有一些是卖旅游产品与保健品。”

  做个性化养老方案的定制顾问

  尽管养老规划师的岗位招聘常被诟病为“挂羊头卖狗肉”,但随着养老产业成为新兴风口,部分从业者确实能凭借专业能力实现“高薪突围”。

  平安人寿重庆分公司培训管理部集优培训岗职工唐婧介绍,该公司自去年起,与清华大学合作开展“财富康养保险规划师”培训项目,300余名职工通过为期两个月的线上、线下培训,分别通过了初、中、高级认证。培训和考试内容涵盖金融、养老、健康三大板块,十几个小类别。

  获得高级认证的吴江华表示,不久前,她为一名尚未退休的企业高管定制了养老解决方案。基于客户对养老方式、环境、品质三个维度的需求和财务经济状况,将其养老生活划分为正式退休~70岁、70~80岁、80岁以上三个阶段,并配置定制化年金险产品与增值服务,分别满足各阶段的旅行体验、医疗储备、失能照护及精神陪伴需求等。

  “销售卖的是产品,规划师卖的‘人生剧本’。”吴江华这样界定养老保险销售与养老规划师的区别。“真正的养老规划,要具备未来推演力,既能预判客户20年后的生活变迁,又能融合医疗、金融知识,构建全周期保障。具备这些能力的人,年收入确实能达数十万元。”吴江华说。

  重庆自媒体账号运营者“九九”,是一名养老经纪人。她的工作内容包括探访养老机构、做适老化改造、为客户匹配机构养老的解决方案等。在她看来,这个职业是个性化养老方案的定制顾问,要求从业者具备空间翻译、时间规划、资源整合、需求洞察等多方面能力。

  建议建立信用评级认证体系

  养老服务需求的激增,催生了养老规划师、养老经纪人等新岗位,但随之而来的乱象也需要引发社会关注。记者梳理公开资料发现,一些人打着专业旗号,以“高端养老方案”“定制化服务”为幌子,诱导老年人预付高额费用,甚至实施集资诈骗。

  例如,在重庆市渝北区公安分局经侦支队侦破的一起养老类集资诈骗案件中,涉案公司以“养老规划”之名,向老人收取入住保证金、预缴床位费等,还承诺除享受养老服务外,按年利率10%~15%返息,让不少老人“踩坑”。

  在4月8日举行的第二届西部大健康行业产教融合共同体大健康服务人才专场招聘会上,重庆多家养老机构负责人、行业专家坦言,伴随银发经济的发展以及公众对养老的重视,相关部门有必要重视培养养老规划师。他们建议,管理部门要明确养老规划师从业者需具备老年医学、金融理财、法律伦理等复合知识,建立标准化的服务流程认证体系,并推行信用评级认证体系,让从业者有章可循、服务有标可依、监管有迹可查。

  此外,业内人士还表示,要对形形色色的“规划师”做好监管和引导,并与行业协会、养老机构联合搭建信息平台,整合机构资质、服务内容、价格标准、用户评价等数据,为公众提供全方位的信息服务。

  本报记者黄仕强《工人日报》(2025年04月22日03版) 日本樱花服务器黄页|体验绝妙的视觉与听觉盛宴!的相关文章 结婚3年妻子开着宝马带孩子消失了的相关文章
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