财务顾问建议书.doc

1997 2000264602.2180026020072300200846005600 1 2 34 5 61 2 34 5 1 23 4 56 ? ? ? ? ? ? 3.1.2 3.1.3 3.1.4 3.1.5 ? ? ? ? ? ? 1. a.b.c.d.e.a.b.c.d.e.f.g.h.i.2. 3. a.b.c.d.e.f.g.4. 1. a. b. c.d.e.f.g.h.i.j.2.3.1. 2. 3. 1. 2. 3. 4. 1. 2. 3. 1. 2. proposal for total financial planningwhat is personal financial planning ?1. it is a plan to assist you measure your financial goal.2. analyze the financial needs for each difference stage of your life.3. let you have a better plan of your asset management.4. better plan of asset protection and or the growth of asset.5. in conclusion, to make sure the financial tools you are employing still meet your needs.the purpose of personal financial planning the purpose of personal financial planning is to ensure you are on track to meet your goals, identify and address new goals and make sure the financial tools you are employing still meet your needs.in order to make sure you are able to further understand your plans, we would like to bring to your attentions the following four areas which normally the financial expects and economists who generally agree with. liquid cash account deposit account to provide for current expenses and minor emergencies. 5 protection account: insurance contracts to safeguard the family unit in the event of sickness, disability anddeath. in case of death, insurance to pay the cost of dying and to replace atobjective. permanent life insurance and other fixed dollar investments to provide for majorguaranteed accounts will have to consider only after yourprotection account had put in place. investment account: home ownership, ordinary shares, variable insurance contracts and other forms ofvariable investment tier to economic growth to provide a balanced investment portfolio.expert advise: before entry to this sector of plan, we need to be sure of your risktolerance level, your objectives, have variety of investment portfolioand a good investment consultant. remark let us put the above ideas into simple term, it means you should first put your money in yourfuture plan first, and if all are done up you then will be able to spend all the money without anyother worries.total financial planning for _the plan for your total financial planning following the above principle and the facts you provides us, we had toiler made the following plans for your action. liquid cash accounta) purpose of this account: cash to cover emergency needs of self, family, business ore profession. b) the objective : _117198.00_/c) our suggestion if you already had sufficient fund in your account - please go to the next account.-if you do not have sufficient fund in this account we will than suggest you do the following:40%7132. from the above you know very well that you need time to do it, but when unforeseen circumstances happen to an individual it will wipe up all your dream, therefore, we suggest you take up a simple plan such as medical and accident policy to have a temporary