Míriam Rovira, client advisor at Norz Heritagetakes his passion for finance beyond the office to become an active voice in the financial education in Spain. With a solid professional career in wealth advisory and a deep conviction about the importance of democratizing economic knowledge, Míriam has chosen to dedicate part of her time as volunteer trainer in the EFPA Financial Education Program. Her commitment goes beyond transmitting concepts: she seeks to empower people to make informed and responsible financial decisions, convinced that, as she herself states, “Each volunteer is a grain of sand; if there are many of us, we move the world”.
Interview at www.asesoresfinancierosefpa.es/
If there is a word that defines Míriam as a volunteer, it is, without a doubt, “participatory”, because wherever there is an action or a project to develop or promote – call it a workshop or marathon – she is there. He participated in the first class of the EFPA Financial Education Program in Universities in Barcelona.
EFPA certified volunteer trainers, protagonists of the Financial Education Programare also the protagonists of our particular 2026 calendarwhere we dedicate each month to one of the program’s most outstanding volunteer trainers. We continue with Miriam Roviraour EFPA volunteer trainer of the month for February!
What do you like most about your role as a trainer?
Being able to transmit part of my experience as a financial advisor to students. The foundation that every person needs for proper financial health is difficult to acquire through self-study. Basic education does not include knowing what an income is, what taxes we pay, how I invest my savings, how I manage my economy, what a budget is, etc. Being able to help students understand the importance of these concepts, as well as offering them a basis to make their best decisions and change their financial course, is very satisfying.
What motivated you to join the program as a volunteer, Míriam?
During my time at BBVA or Deutsche Bank I have been linked to their financial education programs. Being outside the traditional banking sector, I found in this program the opportunity to continue contributing my grain of sand to our future (young people).
Any anecdotes or special moments that you remember giving training?
In one of the classes that I taught with my colleague Eduard Morella, after 2 p.m. and after two hours of training, we continued answering questions from the students, who were queuing up to talk to us. That they are there voluntarily and that, half an hour after finishing the class, they continue asking questions says a lot about their interest and their desire to learn.
What financial education topic or concept do you enjoy teaching the most?
It is a reality that all syllabi are attractive to students. If I have to choose one: financial products; explain the difference between a credit card and a debit card, between a fund and an ETF, etc.
What value do you think volunteering brings to society, Míriam?
As in all areas, it is a grain of sand… but with many, we can move the world.
Basic financial advice that you always share with your students?
As my grandmother always told me: there are no dollars for four pesetas. Since our students have not experienced the pesetas, I emphasize to them: not all that glitters is gold. Today you have, with just one click, the contracting of financial products. Without a foundation of financial education we leave younger people vulnerable to scams and erroneous decisions that can affect their actions and their future. A bad investment or decision can harm your financial health. That is why it is so important to train everyone, young and not so young.