How do first-level financial planners memorize skill analysis questions?

It mainly includes three aspects: financial analysis, family scenario analysis and psychological analysis.

Generally speaking, financial analysis is to make a family's balance sheet, income and expenditure savings statement and cash flow statement according to conditions, and summarize scattered data into these three tables, so that it is easy to judge the family's financial situation. Here is mainly quantitative analysis. After that, it is necessary to calculate important indicators according to relevant figures for qualitative analysis. For example, judging whether the debt is too high by calculating the debt ratio, judging the balance of payments by calculating the free savings rate, and judging whether the family financial structure is reasonable by measuring the proportion distribution of various incomes or assets.

Family scenario analysis needs to fully understand each other's family situation, especially non-financial factors.

Psychoanalysis needs a strong sense of substitution, strong practical work experience, especially a good grasp of what kind of people customers belong to and their general psychological factors. This is most obvious in investment decisions. As can be seen from the data, some clients are too conservative and some clients are too radical, and their psychological factors are different. Then this determines whether the solution you give can convince customers. Including this financial planner competition, there are also many cases involving psychoanalysis, and even the question given by the teacher is: How are you going to convince customers? Therefore, these aspects must be taken seriously from the beginning.

Second, find the right financial goals.

This may be the most critical part of the financial case. Under normal circumstances, from the lines of the materials, we can judge the obvious financial goals of customers, such as buying a house, retiring, educating children, emigrating or other special purposes. However, in addition to the known conditions, the financial planner also needs to judge the potential needs of the family according to the analysis of the family situation, such as whether it is necessary to prepare pensions or education funds in advance, whether it is necessary to adjust the investment structure to reduce risks, whether it is necessary to replace assets to balance assets and liabilities, and whether it is necessary to adjust cash flow. It can be said that the professionalism and experience of financial planners are reflected in whether they can keenly discover the potential problems of customers. Because if you can't find the problem, you can't make reasonable analysis, judgment and suggestions. Just like a doctor seeing a doctor, if there is nothing abnormal, he can't find the cause, which leads to misdiagnosis and prescription of the wrong medicine.

Three, analyze the financial objectives and put forward their own solutions

This step is actually a very subtle step, and it is necessary to analyze and sort out various financial objectives and put forward reasonable plans. There are two points that need special attention:

1, pay attention to the application of digital calculation. It is necessary to simulate the implementation effect of each scheme through reasonable data assumptions and actual figures. For example, it is easy to calculate the property status in the next few years and judge whether the goal can be achieved according to the assumption of investment yield, inflation rate and existing balance of payments or assets and liabilities.

2. Pay attention to different solutions for long-term and short-term goals, especially emphasize the principle of earmarking to avoid misappropriation. For example, we can divide financial management objectives into short-term plans or long-term plans, adopt the principle of earmarking, and make corresponding choices by using existing asset investment or daily savings accumulation respectively.

It should also be noted that there are probably 2-3 suitable schemes for the same financial goal, which need to be calculated and summarized separately, and reasonable suggestions can be given through corresponding analysis.

Step 4: Insurance planning, investment planning and cash flow accounting.

After completing the above three steps, it is generally necessary to formulate an appropriate insurance plan according to your family situation and investigate your corresponding risk points. For example, family members who are the main source of income should be given key insurance protection. It is necessary to calculate the insurance demand amount of each family member, the types and amount to be insured, and at the same time pay attention to controlling the total premium, which generally cannot exceed 10% of the family annual income. It is generally recommended that if the premium affordability is weak, take accident+term life insurance. If the premium tolerance is strong, take accident+serious illness. In addition, for occupations prone to accidents, such as taxi drivers, accident insurance should especially strengthen the traffic accident part.