insurance financing scheme 2: at present, Mr. Wang has insufficient knowledge of risks and lacks guarantee investment; My son is in high school, and Mr. Wang has not planned his children's education fund; Although the couple have basic social security, they have not prepared a retirement fund; Mr. Wang's financial management goal is to preserve the value of his property, preferably to appreciate it, which shows that his risk tolerance is relatively low, and his current main investment is stocks, which is not in line with his risk preference. 2 million idle funds need to find the right investment direction in time to resist possible inflation in the future. As the pillar of the family, if Mr. Wang has an accident, his basic family life and his children's later education expenses will not be guaranteed. Financial planning 1. Use demand deposit and monetary fund to prepare 3,-5, yuan to meet emergency expenses for 3-6 months. 2. It is suggested that both husband and wife supplement accident insurance and medical insurance as soon as possible. 3. Children's education fund can estimate the cost of higher education according to the son's future development, and reserve the cost as a reserve in advance. It is recommended to choose bank wealth management products to ensure stable income. 4. For providing for the aged, you can choose commercial endowment insurance to complement each other with the fixed investment of the fund. 5. For the remaining funds, it is recommended to choose a more stable product portfolio, including bank wealth management products, bond funds and equity funds.