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）。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
retirement
The time when a person stops working, usually after many years, and lives on savings or pension. In financial planning, it's a key goal for saving money long-term.
一个人停止工作的时间，通常在多年之后，靠储蓄或养老金生活。在财务规划中，它是长期储蓄钱的关键目标。
down payment
The initial amount of money paid when buying something expensive, like a house, to secure a loan. It's a partial payment upfront.
购买昂贵物品时，如房屋，为获得贷款而支付的初始金额。它是预先支付的部分付款。
investment
Putting money into something like stocks or property to make more money over time. It's a way to grow your wealth.
将钱投入股票或房产等事物中，以随时间增长更多金钱。这是增长财富的一种方式。
risk tolerance
How much financial loss a person can handle without stress. In investing, it helps choose safe or risky options.
一个人在没有压力情况下能承受的财务损失量。在投资中，它有助于选择安全或高风险的选项。
conservative
In investing, it means preferring safe choices with low risk, even if returns are smaller. Opposite of aggressive.
在投资中，它意味着偏好低风险的安全选择，即使回报较小。与激进相反。
volatility
How much prices of investments go up and down quickly. High volatility means big changes, which can be risky.
投资价格快速上涨和下跌的程度。高的波动性意味着大的变化，这可能有风险。
capital
The money used to start or grow a business or investment. Losing capital means losing your main invested money.
用于启动或发展企业或投资的资金。损失资本意味着损失你的主要投资资金。
checklist
A list of items or tasks to complete, like documents needed for a meeting. It's a helpful tool for organization.
一个项目或任务的列表，需要完成，比如会议所需的文档。它是组织的有用工具。
关键句型
需要记住和练习的重要短语
To start, could you tell me a bit about what brought you here today and what you're hoping to achieve?
This is a polite way to begin a conversation by asking about someone's purpose and goals. It's useful in professional meetings to gather information. Notice the indirect question 'could you tell me' for politeness.
这是通过询问某人的目的和目标来开始对话的一种礼貌方式。在专业会议中用于收集信息很有用。请注意间接问句 'could you tell me' 是为了礼貌。
I'm looking to get a clearer picture of my financial future.
This expresses a desire for better understanding of one's money situation. 'Looking to' means 'wanting to' or 'seeking.' It's practical for consultations when explaining needs.
这表达了对更好地理解个人财务状况的愿望。'Looking to' 意思是 '想要' 或 '寻求'。在咨询时解释需求时很实用。
Could you give me a brief overview of your current financial situation?
This requests a short summary of someone's money status. 'Brief overview' means a quick summary. Use this in advisory roles to collect basic info without overwhelming the other person.
这要求对某人的金钱状况进行简短总结。「简要概述」意味着快速总结。在咨询角色中使用，以收集基本信息而不压倒对方。
My investment experience is pretty limited, to be honest.
This admits a lack of experience truthfully. 'To be honest' adds sincerity. It's useful when discussing skills or background to build trust in conversations.
这诚实地承认了经验的缺乏。'老实说'增加了真诚性。在讨论技能或背景时，它有助于在对话中建立信任。
Regarding your risk tolerance, how would you describe yourself?
This asks about someone's comfort with financial risks. 'Regarding' means 'about' or 'concerning.' It's a key question in investment talks to tailor advice.
这是在询问某人对金融风险的舒适度。'Regarding'的意思是'关于'或'有关'。这是投资讨论中用于定制建议的关键问题。
I'd say I'm moderately conservative.
This describes a balanced view on risks, not too safe or risky. 'I'd say' is a casual way to express an opinion. Use it to explain personal preferences clearly.
这描述了对风险的平衡观点，既不太安全也不太冒险。'I'd say'是一种随意表达意见的方式。使用它来清楚地解释个人偏好。
So, what would be the next steps?
This asks for the following actions in a process. It's straightforward and useful at the end of meetings to clarify plans and show engagement.
这是在询问流程中的后续行动。很直截了当，在会议结束时用于澄清计划并显示参与度很有用。
That will help us get a clearer financial picture.
This explains how information leads to better understanding. 'Financial picture' is an idiom for overall money situation. Use it to justify requests for details in planning.
这解释了信息如何导致更好的理解。'Financial picture'是整体金钱情况的习语。使用它来证明规划中请求细节的合理性。