the financial planning process

2012-11-14 14:29:23   2  举报

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金融规划是一个旨在帮助个人或家庭实现财务目标的过程。这个过程通常包括评估当前的财务状况，设定短期和长期的财务目标，制定实现这些目标的策略，以及监控和调整这些策略以确保目标的实现。金融规划的主要目标是确保财务安全，实现财务自由，以及为未来的大事件（如退休、子女的教育等）做好准备。这个过程需要考虑到各种因素，包括收入、支出、储蓄、投资、保险和税务等。金融规划可以帮助人们更好地理解和管理他们的金钱，使他们能够做出明智的财务决策，从而实现他们的财务目标。

Financial

Planning Process

作者其他创作

大纲/内容

Consider different strategies and options that will enable you to meet your identified goals. These will be presented as written recommendations.

Prepare WrittenRecommendation

Step 1

Review your plan periodically to make sure your situation or needs have not significantly changed.

Review the Plan

Help you to identify your future aoals and sensitivity to different levels of risk. This includes your investment risk as well as you need for risk protection insurance.

What should you financial adviser do?

Step 6

Step 7

What are the steps?

Gather ClientInformation

Present Advice andClient Agreement

Step 3

Implement

Step 2

Present the witten recommendations and explain how these fit your needs. Your finacial adviser will also explan any risks and costs associated with the recommended strategy.

Collect detailed personal information from you relating to you currect financial situation.

Conduct NeedsAnalysis

Step 5

Issue DisdosureStatement

Step 4