I feel that many financial planners in banking institutions may not be able to make asset allocation and financial advice for customers in a neutral and objective way, because they are more oriented to the bank's financial products, so you will find different allocation schemes in different banks. I feel that it is better to find some more neutral and authoritative third-party financial institutions to make financial advice for customers. Personally, I feel that I have little experience in financial management. If the landlord wants, I can communicate with you!