Financial Investment Advice
Seeking advice on investment strategies and financial planning
寻求投资策略和财务规划建议
情境
选择 5 个对话s 进行练习
Initial Consultation & Goal Setting
A client meets with a financial advisor for the first time to discuss their current financial situation, investment experience, risk tolerance, and long-term financial goals (e.g., retirement, buying a home, children's education).
客户首次会见财务顾问，讨论其当前的财务状况、投资经验、风险承受能力以及长期财务目标（如退休、购房、子女教育）。
Portfolio Review & Adjustment
An existing client has a scheduled meeting with their financial advisor to review their current investment portfolio's performance, discuss market changes, and make necessary adjustments to their asset allocation or specific holdings.
现有客户与财务顾问定期会面，审查其当前投资组合的表现，讨论市场变化，并对其资产配置或具体持股进行必要的调整。
Understanding Investment Products
A client expresses interest in specific investment products (e.g., mutual funds, ETFs, bonds, real estate, cryptocurrencies) and seeks detailed explanations from the advisor about their features, risks, potential returns, and how they fit into their overall strategy.
客户对特定的投资产品（如共同基金、ETF、债券、房地产、加密货币）表现出兴趣，并向顾问寻求关于其特点、风险、潜在回报以及如何融入其整体策略的详细解释。
Retirement Planning Discussion
A client is nearing retirement or planning for it, and consults with their advisor to understand different retirement savings vehicles (e.g., 401(k), IRA), income strategies during retirement, and how to manage their assets for a steady income stream.
客户即将退休或正在规划退休，与顾问咨询以了解不同的退休储蓄工具（例如401(k), IRA）、退休期间的收入策略以及如何管理其资产以获得稳定的收入流。
Tax Efficiency & Estate Planning
A client seeks advice on optimizing their investments for tax efficiency, minimizing capital gains taxes, and discusses basic estate planning considerations like wills, trusts, and beneficiaries for their financial assets.
客户寻求关于优化投资以提高税务效率、最大程度减少资本利得税的建议，并讨论其金融资产的遗嘱、信托和受益人等基本遗产规划事项。