Initial Consultation & Goal Setting
A client meets with a financial advisor for the first time to discuss their financial goals, risk tolerance, and current financial situation, laying the groundwork for an investment plan.
客户首次与财务顾问会面，讨论其财务目标、风险承受能力和当前财务状况，为投资计划奠定基础。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
financial goals
These are specific aims related to money, like saving for a house or retirement. Use this phrase when discussing what you want to achieve with your finances.
这些是与金钱相关的具体目标，例如为买房或退休而储蓄。在讨论你想在财务上实现什么时，使用这个短语。
down payment
The initial amount of money paid when buying something expensive, like a house. It's a key term in real estate and saving plans.
购买昂贵物品时支付的初始金额，例如房屋。这是房地产和储蓄计划中的关键术语。
retirement fund
Money set aside for use after you stop working. This is common in long-term financial planning to ensure security in old age.
为停止工作后使用而预留的资金。这在长期财务规划中很常见，以确保老年时的安全。
risk tolerance
How much uncertainty or potential loss you can handle in investments. It's important to assess this before choosing investment options.
您在投资中能够承受多少不确定性或潜在损失。选择投资选项之前评估这一点很重要。
volatility
The degree of variation in the price of an investment over time, often meaning it can go up or down quickly. Use it when talking about risky investments.
投资价格随时间变化的程度，通常意味着价格可能快速上涨或下跌。在谈论高风险投资时使用。
diversify
To spread investments across different types to reduce risk. This strategy helps protect your money from losses in one area.
将投资分散到不同类型以降低风险。此策略有助于保护您的资金免受某一领域的损失。
projections
Estimates or forecasts of future financial outcomes, like expected returns. Financial advisors use these to show possible scenarios.
未来财务结果的估计或预测，例如预期回报。财务顾问使用这些来展示可能的情景。
关键句型
需要记住和练习的重要短语
Could you tell me a little bit about what brings you in and what your financial goals are?
This is a polite way to start a conversation and gather information. It's useful in professional meetings to ask about someone's purpose and objectives. The structure uses 'could you' for a soft request.
这是开始对话并收集信息的一种礼貌方式。在专业会议中，用于询问某人的目的和目标很有用。该结构使用 'could you' 来表达柔和的请求。
My main goal right now is to save for a down payment on a house within the next five to seven years.
This sentence clearly states a personal objective with a timeline. It's practical for explaining plans in financial discussions. Note the use of 'within' to indicate a time frame.
这个句子清楚地陈述了一个带有时间表的个人目标。它在金融讨论中解释计划时很实用。请注意“within”的使用来表示时间框架。
How would you describe your comfort level with risk?
A question to assess someone's attitude toward investment risks. Useful in advisory contexts; 'comfort level' is an idiomatic expression meaning how at ease someone feels.
一个用于评估某人对投资风险态度的提问。在咨询语境中有用；'comfort level' 是一个习语，意思是某人感觉多么自在。
I'd say I'm moderately cautious.
This expresses a balanced view on risk using 'I'd say' for a personal opinion. It's helpful for describing preferences without being too extreme, common in self-assessments.
这使用“I'd say”表示个人意见，表达了对风险的平衡观点。它有助于描述偏好而不太极端，在自我评估中很常见。
A balanced approach is often ideal for long-term goals like yours.
This recommends a strategy and explains why it's suitable. 'Balanced approach' means a mix of safe and risky options. Use it to suggest moderate solutions in planning talks.
这推荐了一种策略并解释了为什么它合适。'平衡的方法'意味着安全和风险选项的混合。在规划讨论中使用它来建议适中的解决方案。
We can schedule a follow-up meeting next week to go over everything in detail.
This proposes next steps in a professional interaction. 'Go over' means to review or discuss thoroughly. It's a common phrase for planning future appointments.
这是在专业互动中提出下一步行动。'Go over' 意思是彻底审查或讨论。这是规划未来预约的常见短语。
That works perfectly. I look forward to our next meeting.
A positive response to a plan, showing agreement and enthusiasm. 'Look forward to' expresses anticipation. Useful for ending conversations politely and positively.
对计划的积极回应，显示出同意和热情。'Look forward to'表达期待。用于礼貌且积极地结束对话很有用。