* Behind an excellent financial advisor with a strong professional background, there should be a strong data and policy platform as a support to ensure that the scheme formulated for customers avoids possible risks. * Good professional quality and good reputation, putting customers first in everything, and strictly observing the privacy and confidentiality of customer information. Question 2: Where do excellent consultants find employees in A, insurance, securities and funds? They have deep knowledge in specific fields and can provide more specific suggestions and help to customers. B. full-time financial planner. This way of collecting commissions through financial planning has not yet appeared in China. C, the financial planner of the bank. They have the professional image of a bank and can make a comprehensive life plan, but they are mostly limited to principled suggestions, do not carry out specific operations, and are not responsible for the income. Question 3: What kind of service can a financial advisor provide me? Millie is looking for a personal financial service, which is based on a completely private financial consultant. You can tailor your personal investment plan according to your actual situation and risk preference, and buy stocks, open-end funds and other related investment tools. ), as well as "one-to-one" personalized financial services such as arranging insurance for yourself and your family to avoid risks, are the development direction of personal finance in the future. In fact, her hope also represents the financial needs of many people. Question 4: What can financial advisers do now? 1. Conduct a comprehensive financial evaluation of customers. 2. Analyze the customer's financial situation. 3. Find out the current funding gap. 4. Make a reasonable capital allocation plan, and recommend the investment direction for customers according to their different growth stages and risk preferences. As the domestic personal financial service has just started, the financial consultants emerging in the banking and insurance industries are only proficient in their own knowledge and cannot cover everything. The financial services and schemes launched by banks are not satisfactory, but these deficiencies are also changing rapidly. At present, many banks have joined forces with experts from all walks of life to form a financial elite advisory group, which uses group cooperation to make up for the shortcomings. I believe that through this expert advisory group with strong background, customers can also get satisfactory financial services. Tips: Linking foreign countries In foreign countries, personal financial services are generally divided into two types: suspicious and embarrassing. The former is to properly arrange the future through financial planning, improve the quality of life, and maintain the current living standard even in old age; The latter refers to the continuous adjustment of investment portfolios such as deposits, stocks, funds and bonds. , get the maximum return. About International Financial Planner International Financial Planner (CFP) is an internationally authoritative personal financial management qualification certification. The main responsibility of CFP is to provide personalized and all-round professional financial advice and plans for individuals. Customers only need to tell the financial planner their property scale, requirements for quality of life, expected income target and risk tolerance, and the financial planner can make a set of financial planning that conforms to personal characteristics, constantly adjust his various investment portfolios in deposits, stocks, bonds, funds, insurance, movable property and real estate, and design reasonable ones for them. )。 In foreign countries, only those who have obtained CFP qualification can engage in personal financial management business. CFP originated in America. Today, there are about 75,000 professional financial planners who have been strictly registered and certified in the world. Duanzi Junc 2009-09-3011:40: 38 Profile: Lao Jiang is 75 years old and retired from state-owned enterprises. His wife died five years ago and now lives with his son. Lao Jiang can receive 4,800 yuan of retirement fee and subsidy every month, and work as a technical consultant in an enterprise, and regularly go to the enterprise for technical guidance. The enterprise pays 1500 yuan consulting fee every month. Lao Jiang has 350,000 yuan in deposits, all of which are time deposits. The monthly expenditure is about 3,000 yuan, which is mainly used for daily consumption of 2,000 yuan, subsidizing the living expenses and tuition fees of children in Project Hope, 800 yuan, and other expenses, 200 yuan. Although Lao Jiang is old, he is a retired cadre, so he doesn't have to worry about future medical expenses. Lao Jiang's monthly income is not low, and its monthly expenditure is relatively stable. As there is only one son, Lao Jiang intends to buy them a new house, and hopes to make a systematic plan for his savings. After his wife died, Lao Jiang didn't want to find another wife, which cleared the way for inheritance. Since Lao Jiang decided to leave all his property to his only son, he should go to the notary office as soon as possible to notarize the property inheritance, so as to avoid unnecessary troubles in the future. Now, Lao Jiang and his son live in an old-fashioned two-bedroom and one-living room house allocated by the unit before retirement. Lao Jiang's grandson goes to college in other places, and he is going to choose to work in Beijing after graduation next year. So the old man hopes to spend most of his savings to buy a house for his grandson so that he can get married in the future. At present, the housing price in the suburbs of Beijing is 5500-6000 yuan per square meter. If you buy a 60-square-meter unit with one bedroom and one living room, you need at least 350,000 yuan, and the savings of the elderly can be bought at one time. However, to be on the safe side, it is recommended to take out 200,000 yuan from the savings, and the remaining 6,543,800+0.5 million yuan shall be borne by your son, and the other part shall be used as collateral. Reasonable arrangement of deposits At present, deposits in Lao Jiang are relatively simple, and the main purpose of deposits is not to increase income. It is suggested that Lao Jiang should diversify the balance after buying a house to ensure the preservation and appreciation of funds. The investment strategy of the elderly is still based on stability. If you choose a risky investment tool, one is the lack of sufficient psychological endurance of venture capital, and the other is that some investments need not only professional investment knowledge, but also strong financial control ability. For Lao Jiang, short-term investment instruments such as treasury bonds, time deposits, RMB wealth management products, cash or call deposits should also be the main ones (see table for investable instruments). It is suggested that Lao Jiang take out 70,000 yuan from the remaining deposits to buy government bonds and time deposits. From the perspective of liquidity and safety, these two types of investment tools are highly liquid and basically have no repayment risk. But from the perspective of income, the income is fixed and the risk is low. These two types of investment tools are very suitable for investment groups with weak risk tolerance and low investment return requirements. In addition, it is necessary to have an appropriate current savings deposit. It is suggested to use 50,000 yuan as a 7-day notice deposit, because the deposit period is only 7 days, which can be regarded as current deposit. Compared with current savings deposits, the interest rate is nearly three times higher. The remaining deposits can be invested in RMB wealth management products and capital preservation funds. Leisure medical planning The elderly, especially the empty nesters, should fully enjoy their old age. Because of the affluent living conditions in Lao Jiang, it is suggested that the elderly should arrange 2-3 outings every year, preferably staggered with the "May Day and Eleventh" Golden Week, and each outing costs about 1 000 yuan. In addition, retired cadres organize 2-3 physical examinations every year. Because Lao Jiang has high blood pressure and asthma, we should hire a family doctor for better treatment and care. On the one hand, it can give regular physical examination to the elderly, on the other hand, it can also treat other people in the family, killing two birds with one stone. Character introduction: Lao Jiang, aged 75, is a retired cadre of state-owned enterprises. His wife died five years ago and now lives with his son. Lao Jiang can receive 4,800 yuan of retirement fee and subsidy every month, and work as a technical consultant in an enterprise, and regularly go to the enterprise for technical guidance. The enterprise pays 1500 yuan consulting fee every month. Lao Jiang has 350,000 yuan in deposits, all of which are time deposits. The monthly expenditure is about 3,000 yuan, which is mainly used for daily consumption of 2,000 yuan, subsidizing the living expenses and tuition fees of children in Project Hope, 800 yuan, and other expenses, 200 yuan. Although Lao Jiang is old, he is a retired cadre, so he doesn't have to worry about future medical expenses. Lao Jiang's monthly income is not low, and its monthly expenditure is relatively stable. As there is only one son, Lao Jiang intends to buy them a new house, and hopes to make a systematic plan for his savings. After his wife died, Lao Jiang didn't want to find another wife, which cleared the way for inheritance. Since Lao Jiang decided to leave all his property to his only son, he should go to the notary office as soon as possible to notarize the property inheritance, so as to avoid unnecessary troubles in the future. Now, Lao Jiang and his son live in an old-fashioned two-bedroom and one-living room house allocated by the unit before retirement. Lao Jiang's grandson goes to college in other places, and he is going to choose to work in Beijing after graduation next year. So the old man hopes to spend most of his savings to buy a house for his grandson so that he can get married in the future. At present, the housing price in the suburbs of Beijing is 5500-6000 yuan per square meter. If you buy a 60-square-meter unit with one bedroom and one living room, you need at least 350,000 yuan, and the savings of the elderly can be bought at one time. However, to be on the safe side, it is recommended to take out 200,000 yuan from the savings, and the remaining 6,543,800+0.5 million yuan shall be borne by your son, and the other part shall be used as collateral. Reasonable arrangement of deposits At present, deposits in Lao Jiang are relatively simple, and the main purpose of deposits is not to increase income. It is suggested that Lao Jiang should diversify the balance after buying a house to ensure the preservation and appreciation of funds. The investment strategy of the elderly is still based on stability. If you choose a risky investment tool, one is the lack of sufficient psychological endurance of venture capital, and the other is that some investments need not only professional investment knowledge, but also strong financial control ability. For Lao Jiang, short-term investment instruments such as treasury bonds, time deposits, RMB wealth management products, cash or call deposits should also be the main ones (see table for investable instruments). It is suggested that Lao Jiang take out 70,000 yuan from the remaining deposits to buy government bonds and time deposits. From the perspective of liquidity and safety, these two types of investment tools are highly liquid and basically have no repayment risk. But from the perspective of income, the income is fixed and the risk is low. These two types of investment tools are very suitable for investment groups with weak risk tolerance and low investment return requirements. In addition, it is necessary to have an appropriate current savings deposit. It is suggested to use 50,000 yuan as a 7-day notice deposit, because the deposit period is only 7 days, which can be regarded as current deposit. Compared with current savings deposits, the interest rate is nearly three times higher. The remaining deposits can be invested in RMB wealth management products and capital preservation funds. Leisure medical planning The elderly, especially the empty nesters, should fully enjoy their old age. Because of the affluent living conditions in Lao Jiang, it is suggested that the elderly should arrange 2-3 outings every year, preferably staggered with the "May Day and Eleventh" Golden Week, and each outing costs about 1 000 yuan. In addition, retired cadres organize 2-3 physical examinations every year. Because Lao Jiang has high blood pressure and asthma, we should hire a family doctor for better treatment and care. On the one hand, it can give regular physical examination to the elderly, on the other hand, it can also treat other people in the family, killing two birds with one stone. Character introduction: Lao Jiang, aged 75, is a retired cadre of state-owned enterprises. His wife died five years ago and now lives with his son. Lao Jiang can receive 4,800 yuan of retirement fee and subsidy every month, and work as a technical consultant in an enterprise, and regularly go to the enterprise for technical guidance. The enterprise pays 1500 yuan consulting fee every month. Lao Jiang has 350,000 yuan in deposits, all of which are time deposits. The monthly expenditure is about 3,000 yuan, which is mainly used for daily consumption of 2,000 yuan, subsidizing the living expenses and tuition fees of children in Project Hope, 800 yuan, and other expenses, 200 yuan. Although Lao Jiang is old, he is a retired cadre, so he doesn't have to worry about future medical expenses. Lao Jiang's monthly income is not low, and its monthly expenditure is relatively stable. As there is only one son, Lao Jiang intends to buy them a new house, and hopes to make a systematic plan for his savings. After his wife died, Lao Jiang didn't want to find another wife, which cleared the way for inheritance. Since Lao Jiang decided to leave all his property to his only son, he should go to the notary office as soon as possible to notarize the inheritance of the property, so as to avoid unnecessary troubles in the future. Now, Lao Jiang and his son live in an old-fashioned two-bedroom and one-living room house allocated by the unit before retirement. Lao Jiang's grandson goes to college in other places, and he is going to choose to work in Beijing after graduation next year. So the old man hopes to spend most of his savings to buy a house for his grandson so that he can get married in the future. At present, the housing price in the suburbs of Beijing is 5500-6000 yuan per square meter. If you buy a 60-square-meter unit with one bedroom and one living room, you need at least 350,000 yuan, and the savings of the elderly can be bought at one time. However, to be on the safe side, it is recommended to take out 200,000 yuan from the savings, and the remaining 6,543,800+0.5 million yuan shall be borne by your son, and the other part shall be used as collateral. Reasonable arrangement of deposits At present, deposits in Lao Jiang are relatively simple, and the main purpose of deposits is not to increase income. It is suggested that Lao Jiang should diversify the balance after buying a house to ensure the preservation and appreciation of funds. The investment strategy of the elderly is still based on stability. If you choose a risky investment tool, one is the lack of sufficient psychological endurance of venture capital, and the other is that some investments need not only professional investment knowledge, but also strong financial control ability. For Lao Jiang, short-term investment instruments such as treasury bonds, time deposits, RMB wealth management products, cash or call deposits should also be the main ones (see table for investable instruments). It is suggested that Lao Jiang take out 70,000 yuan from the remaining deposits to buy government bonds and time deposits. From the perspective of liquidity and safety, these two types of investment tools are highly liquid and basically have no repayment risk. But from the perspective of income, the income is fixed and the risk is low. These two types of investment tools are very suitable for investment groups with weak risk tolerance and low investment return requirements. In addition, it is necessary to have an appropriate current savings deposit. It is suggested to use 50,000 yuan as a 7-day notice deposit, because the deposit period is only 7 days, which can be regarded as current deposit. Compared with current savings deposits, the interest rate is nearly three times higher. The remaining deposits can be invested in RMB wealth management products and capital preservation funds. Leisure medical planning The elderly, especially the empty nesters, should fully enjoy their old age. Because of the affluent living conditions in Lao Jiang, it is suggested that the elderly should arrange 2-3 outings every year, preferably staggered with the "May Day and Eleventh" Golden Week, and each outing costs about 1 000 yuan. In addition, retired cadres organize 2-3 physical examinations every year. Because Lao Jiang has hypertension and asthma, in order to get better treatment and care, we should hire a family doctor. On the one hand, you can give regular physical examinations to the elderly, on the other hand, you can see that there are other people at home, killing two birds with one stone.