Mibvunzo Inofanira Kubvunza CFP Professional
Mamiriyoni eAmerica akanyatsokwanisa kugadzirisa mari yavo pachavo uye vanoita basa rakakura rayo. Ava ndivo vanhu vane hanya zvikuru nemari - uye nguva uye ruzivo rwekuchengetedza mahofisi avo. Chinonyanya kukosha, vanogona kuchengeta manzwiro avo-kutya, makaro, godo - mukutarisa paunenge uchiita zvisarudzo zvekutsvaga. Kana iwe hausi iwe, zvichida inguva yekuwana rubatsiro rwemhizha.
Kune dzakawanda zvevashandi kunze uko kupa mazano emari.
Vatengesi vemabhizimisi, mabhengi, vashandi vehushuwarisi - munhu wose anotaura kuti anoziva zvakakunakira kukuendesa kumusha wekutsvaga goridhe! Asi zvakakosha kushanda nemumwe munhu ane zivo yakadzama uye yakawanda yekudzidziswa uye ruzivo. Ndicho chikonzero iwe uchifanirwa kuchengeta kuchengetedzwa kweChristal Financial Planner kana uye kana uchienda kutsvaka rubatsiro.
CFP zvidzidzo zvinofanira kupedza chirongwa chakasimba uye chirongwa chinogadzirisa kuti chigadzirise kunyanya zvinhu zvose zvehupenyu hwako hwemari. Vose vese vekoroti vashandi vanoenda kunopedza imwe dzidzo yepamusoro yekoroji yekudzidza mukugadzirisa zvemari. A anoda-kuve akazivikanwa wehupfumi wekubhadhara mari anofanira kupfuurira kuongororwa kuongororwa kwechirongwa - rudzi rwekuongorora kwebhaji kwevatari vemari - uye kupedza makore matatu ehupfumi hwebasa kuti awane mazita.
Vagadziri veMari Vanogadzirisawo vanodiwawo kuti vateerere tsika yakasimba yehutsika inoita kuti vave nechokwadi chokuti vanoita sevanotenda - nguva dzose vachiita zvisarudzo uye mazano ari mune zvavanoda ivo, kwete avo pachavo .
Nzira yeupfumi yeCFP's holistic inobata zvinotevera:
- Kuongororwa kwemamiriro ako epanguva uye kugadzirisa kwemashoko emari, akadai semukero wako unokosha.
- Inishuwarenzi yekugadzirira
- Kuwedzera kushandiswa kwepurogiramu yekubvisa purogiramu yako kumushandi, kureva, yako 401k.
- Investment planning.
- Mutero wokubhadhara mutero.
- Estate planning.
Mune ruzivo rwangu, misangano yevashandi vekutanga vanofunga nezvekutanga - kuwana pfungwa yekuti uri kupi uye kwaunoda kuenda kupi. Muchikamu ichi, ndinoda kubatsira vateereri vangu kuvaka hurongwa hwezvinangwa zvehupenyu hwavo hwakasiyana. Izvi zvinobatsira kutsanangura zvinhu zvakasiyana-siyana, zvakadai sekuwanda kwekwereti kunoda kuve nekuponesa uye rudzi rweiyo yezvinhu zvinofanira kuiswa mubhuku rake.
Izvi zvinowanzoendesa kune kukurukurirana pamusoro pechishanu pfungwa - mitero, uye kuti ungaideredza sei. Inishuwarenzi yekugadzirisa uye kukwanise 401k inowanzoenderana nehutungamiri.
Kune zviuru zveCFP vashandi muUnited States. Nekutsvaga kwekutsvakurudza, iwe zvechokwadi uchawana chakanaka CFP mudiwa. Kutanga kubva, usagamuchira kuti mumwe munhu chiremba weCFP chete nokuti vanoshandisa zita racho. Vaya chete vanozivikanwa neCFP Board vanobvumirwa zvechokwadi. CFP zvinganzwisisika paCFB Board website.
ICFP Bhodi zvakare nzvimbo yakanaka yekuwana Chirongwa Chekuita Kwemari. Kana uri kutsvaga chirongwa chekuita-chete, tarisa neNational Association of Financial Planners.
Zvinoratidza Kuyeuka
Heano dzimwe nzvimbo dzekuongorora kana iwe uchibvunzurudza mutungamiri anokwanisa kushandisa mari yako:
- Iwe unotaurira sei kuronga kwemari? Iva nechokwadi chokuti ruzivo rwekutsvaga kwemazano harusi hutsinye kana kuti hunochengetedza kuronga kwako uye zvinoda
- Rondedzera mutevedzeri wako . Vamwe vakaronga vanoda mari shoma inokosha kana kuti vane zvimwe zviyero zvevanotarisira vatengi. Iva nechokwadi chokuti hausi kuzove wakatevera.
- Ndiudze pamusoro pezvakaitika kwauri . Zviri pachena, iyo inowedzera marakiti maitiro eCFP unyanzvi akaona, zviri nani.
- Ndezvipi zvaunokwanisa? Bvunza pamusoro pezvaanotenda uye edza kuona kana iye ane chido chekubhadhara mari.
- Ndiani achabata account yangu? Vamwe vashandi veCFP vanobata vose vashandi zvakananga, asi vamwe vanoshanda neboka. Kumbira kusangana nemamwe mutevedzeri vemiti, uye chengetedza zvidzidzo zvavo zvakare.
- Iwe unobhadhara sei? Vanoronga vanogona kugamuchira mishandi uye / kana mari. Iva nechokwadi chokuti izvi zvose zvakanyatsopindirana muchibvumirano chako. Chete-yega CFP zvigadzirisiti (kusanganisira ini) inobhadharwa iwe chete - haawani ma komisheni ekukutengesa iwe kune zvakasiyana-siyana zvekutsvaga.
- Iwe unotengesa mari yakawanda sei? Wana muongorori wakajeka wemaawa yeawa imwe, mari yekupedzisira, kana kutumirwa muzana.
- Unoona here kukakavadzana kwekufarira? Zvakare, CFP vashandi vanofanira kubatana nemirairo yakasimba yekufambisa inoda kuti vaise zvido zvenyu mberi kwevamwe vose.
- Wakambove wakakurangwa iwe nekuda kwemabasa asina kunaka here kana kuti asingatenderwi ? ICFP Bhodhi, iyo Financial Industry Regulatory Authority (FINRA), uye inshuwarisi yehurumende uye chekuchengetedza zvigadzirisheni ndezvakanaka zvemashoko aya.
Sarudza Wako Wakavimbiswa Kwekushandisa Mari, uye iwe uchava neshamwari yehupenyu, uyo achabatsira kuvaka ramangwana rako nekukupa rugare rwepfungwa nhasi.