Personal financial planning is a process of reasonably managing personal (or family) financial resources and realizing life goals by making financial planning, including savings planning, securities investment planning, real estate planning, insurance planning, education planning, personal tax planning, retirement planning and inheritance planning. \ x0d \ x0d \ one。 Savings planning: savings planning is the source of all financial management. \x0d\ By analyzing the family cash flow structure. Look for possible ways to increase family savings and design reasonable family savings planning scheme, so as to increase family savings. Savings planning tools can be divided into current savings and fixed savings. \x0d\\x0d\ two。 Securities investment planning. Securities investment planning often occupies a high proportion in the total personal investment. According to the maturity and risk-return characteristics, securities investment instruments are divided into money market instruments, fixed income instruments, equity instruments and financial derivatives. The securities investment plan requires individual \x0d\ financial planners to fully understand customers' risk preferences and investment needs, so that the investment portfolio can not only meet customers' liquidity requirements and risk tolerance, but also obtain sufficient income through reasonable asset allocation \ x0d \ x0d \ III. Real estate investment planning. Real estate investment is a long-term and large investment, with obvious investment value besides personal consumption. There are four main reasons for investors to buy real estate: self-occupation, rental, speculative profit and tax reduction. Financial planners should not only have a deep understanding of the laws and regulations of the host country's real estate and various factors affecting real estate, but also have a detailed understanding of customers' ability to pay and various regulations of the host country's financial institutions on real estate finance, so as to help customers determine the most reasonable real estate purchase plan. \x0d\\x0d\ four. Education planning: Education investment is an intellectual investment, which can not only improve people's cultural level and quality of life. It also enables the educated to increase their human capital. Education investment can be divided into two categories: customers' own education investment and children's education investment. When financial planners help clients to plan their educational investment, they should first analyze their educational needs and the basic situation of their children, determine their future educational investment fund needs, then analyze their income status, and determine the source of educational investment funds for their clients and their children according to the specific situation. Finally, it is necessary to comprehensively use various investment tools to make up for the gap between the source and demand of education investment. \x0d\\x0d\ five. Insurance planning: Insurance planning is an indispensable part of a complete financial planning. The purpose of life insurance is for the safety and stability of personal and family life. Starting from this goal, we should master the principle of transferring risks and doing what we can when taking out insurance, and make effective insurance planning through certain steps. \x0d\\x0d\ six. Tax planning: tax planning is to legally reduce the tax burden by using various tax planning strategies such as income decomposition and transfer, income deferral, capital gain investment, asset sale, leveraged investment and tax deduction under the premise of fully understanding the domestic tax system. \x0d\\x0d\ seven。 Retirement planning: Retirement planning is a long-term process, which cannot be solved simply by saving a sum of money before retirement. Individuals should set goals and make detailed plans decades before retirement. Making a retirement plan as early as possible can not only make your retirement life more secure, but also reduce the burden on your children. \x0d\\x0d\ eight. Estate planning: The purpose of estate planning is to help customers manage their estate efficiently and transfer it to beneficiaries smoothly.