财务规划是制定可实施的财务计划的过程,Investorpedia 给出了一个很好的定义:它将财务规划定义为“包含个人或团体当前财务状况和长期财务目标以及实现这些目标的策略”。
即我们的财务现状在哪里,要到哪里,怎么到达哪里。
具体来说,以注册理财规划师CFP®课程为参考,理财规划包括以下6个规划模块:
*财务规划基础
*风险管理和保险规划
*税务规划和遗产规划
*投资规划
*退休规划
*财务计划建设和专业职责
财务规划是一个动态的过程,随着人生进入不同的阶段,财务规划的目标和策略也有所不同。大致可以把人生分为四个阶段:
0岁到20岁的成长读书阶段,20-40岁从初入职场到财富快速上升的阶段,这个阶段通常组织了家庭,有了孩子,有了房子。 40到60岁
60到80岁。
虽然财务规划本质上是通用的(即涉及金钱的一切都可以成为财务规划的一部分),但有些特定的规划领域需要专业知识,而这正是需要财务规划帮助的地方。
欢迎约我,做一个财务规划的咨询。
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
您好,我是洪娜(Hongna),现任新加坡理财顾问公司 Financial Alliance 鑫盟理财的资深理财顾问,拥有8年从业经验,持有国际金融理财师CFP®认证及AEPP高级认证,并荣获新加坡银行与金融学院(IBF)高级认证。
我专注为职场人士、家庭及企业提供全方位的财务保障和理财规划服务,特别致力于成为在新加坡的华人、新移民及其公司最值得信赖的财务规划伙伴。
我从单一保险公司起步,现已全面转型为独立理财顾问,始终秉持“客户优先”的原则,为客户提供中立、客观、专业的财务建议。无论是医疗保险索赔、教育与养老规划,还是企业员工福利与商业保险,我都能为您量身定制解决方案。
我希望成为您家庭和企业财务的“急救工具箱”,在风险来临前预先准备好合适的工具,在关键时刻提供及时、准确的帮助。
Hello, I’m Hongna, a Senior Financial Advisor at Financial Alliance – the largest Independent Financial Advisory (IFA) firm in Singapore – with 8 years of experience in the industry. I hold the CFP® (Certified Financial Planner), AEPP certification, and the IBF Advanced Level accreditation from the Institute of Banking and Finance Singapore.
I specialize in delivering holistic financial protection and planning solutions for professionals, families, and business owners – with a particular focus on Chinese expatriates and new immigrants in Singapore.
Transitioning from a tied agency to an independent advisory platform, I stay committed to putting my clients’ best interests first, offering neutral and tailored financial solutions. Whether it’s claims for hospital insurance, planning for education or retirement, or setting up employee benefits and corporate insurance, I aim to be your go-to advisor for all financial protection needs.
My goal is to serve as your Financial First Aid Kit – having the right tools (plans) ready in advance and applying them correctly when needed.
By submitting this form, I confirm that
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策
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By submitting this form, I confirm that
提交此表格,即表示
In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策