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1、Chapter 1 Understanding the Financial Planning Process What is personal financial planning?Why do you do your personal financial planning?How to do sound financial planning?Do you believe?富不过三代投资银行JP摩根的最新调查显示,全球大部分超级富豪过去20年都不能守住巨额财富，“败家率达80。 有人把杂志最新的全球400位首富排行榜与20年前的同一排行榜相比，结果发现，平均每5名榜上有名的超级富翁中，只需1名
2、能在榜上屹立不倒。 姓名：迈克-泰森 出生：1966.6.30 身高：1米80 战绩：49胜3负(43次击倒对手) 故土：美国俄亥俄州 头衔：前WBC分量级冠军 前WBA分量级冠军 教练：罗尼-谢尔茨 2019年8月2日，泰森向纽约曼哈顿区破产法院提出破产恳求 The rewards of sound financial planning:1.Improve your standard of living(1)What is standard of living: the necessities, comforts, and luxuries enjoyed or desired by an
3、individual or group(2)What factors affect the quality of life? Geographic location, public facilities, local cost of living , pollution, traffic, population density, wealthy.2.Spending money wisely: current needs vs. future needsAverage propensity to consume: the percentage of each dollar of income,
4、 on average, that a person spends for current consumptionWhat is your average propensity to consume?3.Accumulating wealth(1)Wealth: the total value of all items owned by an individual, such as savingsAccounts, stocks, bonds, home, and automobiles.(2)Financial assets: intangible assets, such as savin
5、gs accounts and securities,That are acquired for some promised future return.(3)Tangible assets: physical assets, such as real estate and automobiles, that can Be held for either consumption or investment purpose The goals of the course:1.provide students with practical tools that enable them to dev
6、elop their own personal financial plans and to manage their personal finances better 2. enable students the abilities to be the counselor of personal financial planning. Grades:Comprehensive Final Exam 70%Homework and presentation 20%Attendance 10%lotusqqqqhotmailPersonal financial planning: plannin
7、g that covers the important elements of an individuals financial affairs and is aimed at fulfilling his or her financial goals.Steps in personal financial planning process1. Define financial goals.2. Develop financial plans and strategies to achieve goals.3. Implement financial plans and strategies.
8、4. Develop budgets to monitor and control progress toward goals.5. Evaluate results by using financial statements.6. Revise goals as situations change.1.Define financial goals.2.The role of money3.The psychology of money4.You should know your own attitudes towards money:5.How important is money to u
9、? why? What type of spending give u satisfaction? R U a risk taker? Do u need large financial reserves to feel secure?6.Money and relationships Financial goals: short-, intermediate-, and long-term results that an individual wants to attain, such as controlling living expenses, managing ones tax bur
10、den, establishing savings and investment programs, and meeting retirement needs.What are your financial goals?Types of financial goals:Financial goals should be defined as specifically as possiblePutting target dates on financial goalsLOGOnordridesignAgeIncome10 20 30 40 50 60 70 80Income StreamPers
11、onal Financial Planning LifecycleRetirement/EstateTaxSavings/InvestmentAsset AcquisitionLiability/InsuranceBenefitsThe Planning EnvironmentFinancial planning is carried out in an economic environment created by the interactions ofGovernmentBusinessConsumersLOGOnordridesignBUSINESSGOVERNMENTCONSUMERS
12、Money payments of wages, rentsinterest, and profitMoney payments for goodsand servicesLand, labor, and financial capitalGoods and servicesPublic goods &services, regulations,and revenuesTaxesLOGOnordridesignEconomic CyclesExpansion RecessionDepressionRecoveryHIGHLOWLevels of Employment and Productio
13、nExpansion: the phase of the economic cycle during which the level of employment and growth of economic activity are both high; generally accompanied by rising prices for goods and servicesRecession: the phase of the economic cycle during which the level of employment falls and growth of economic ac
14、tivity slows.Depression: the phase of the economic cycle during which the employment level is low and economic growth is at a virtual standstill.Recovery: the phase of the economic cycle during which the employment level is increased and the economy is experiencing increased activity and growth.Infl
15、ation: a state of the economy in which the general price level is rising due to excessive demand or rapidly rising production costs; usually occurs during the recovery and expansion phase of the economic cycle.Consumer price index (CPI): a measure of the cost of living and inflation based on changes
16、 in the cost of a market basket of consumer goods and services.Purchasing power: the amount of goods and services each dollar buys at a given point in time.What determines your personal income?1.Age, marital status2.Education 3.Geographic location-Where you liveLOGOnordridesignEconomic conditions Ec
17、onomic conditions Labor supplyLabor supplyIndustrial baseIndustrial baseCost of living: groceries housing utilities transportation Cost of living: groceries housing utilities transportation healthcare and miscellaneous goods and services.healthcare and miscellaneous goods and services.4.Your careerL
18、OGOnordridesignPlanning your careerPlanning your careerIdentify your interests, skills , needs and valuesIdentify your interests, skills , needs and valuesSet specific long- and short- term career goalsSet specific long- and short- term career goalsDevelop and implement an action plan to achieve cho
19、se goalsDevelop and implement an action plan to achieve chose goalsReview and revise your career plans as your situation Review and revise your career plans as your situation changes.changes.LOGOnordridesignRecommend three financial goals and related activities for Recommend three financial goals an
20、d related activities for someone in each of the following circumstances:someone in each of the following circumstances:Junior in collegeJunior in college25-year-old computer programmer who wants to get a masters 25-year-old computer programmer who wants to get a masters degree in business admistrati
21、ondegree in business admistration couple in their thirties with two children, ages three and couple in their thirties with two children, ages three and sixsixDivorced 45-year-old man with a 15-year-old child and a 75-Divorced 45-year-old man with a 15-year-old child and a 75-year old father who is i
22、llyear old father who is ill注册财务谋划师资历如何获得？ 教育Education、考试Examination、阅历Experience、操守Ethics。 第一个“E教育：指学员需经过指定的财务谋划师根本课程教育。作为财务谋划师，必需具备跨行业的知识，即包括财务谋划、投资、保险、税务、退休方案和员工福利等，而且需求对国际和本国的法律法规都必需比较清楚地了解和掌握； 第二个“E考试：除注册会计师CPA、特许财务分析师CFA等专业证书持有人，商学、经济学、管理学博士，以及执业律师可以直接报考外，一切学员必需经过课程教育才干报考财务谋划师资历考试。 第三个“E阅历：经过上面的财务谋划知识考评，结合教育与第三个“E阅历，才可以确保财务谋划师具备适宜的专业才干。在阅历方面，国际财务谋划师理事会要求恳求人最少有三年的相关任务阅历，无大学学位者那么要六年以上。 第四个“E操守:证书恳求人赞同遵守第四个“E操守的规定和要求，便可恳求成为财务谋划师。但由于经济环境的变化会对财务谋划的知识和专业才干产生新的要求，所以为了保证财务谋划师的继续胜任才干，财务谋划师还必需按照继续进修制度接受后续教育。 cfp-borad.org
