双语｜当我需要财务帮助时，我在想什么？
双语｜当我需要财务帮助时，我在想什么？
摘要
When it comes to making decisions about your money, you may be looking for some extra help.Thats where a financial advisor comes in. Whether youre a seasoned investor or someone in the beginning stages of your financial life, a financial ad......When it comes to making decisions about your money, you may be looking for some extra help.That’s where a financial advisor comes in. Whether you’re a seasoned investor or someone in the beginning stages of your financial life, a financial advisor can help you manage your money and reach your financial goals.
当遇到关于钱问题时，你可能需要一些来自外界的帮助。这时候就需要一个理财师的介入。无论你是经验丰富的投资者，或只是刚刚开始你的财务规划，理财师都能够帮助管理你的资产，并达到你的财务目标。
But the first step is finding the perfect fit. Kimberly Palmer, a credit cards and banking expert for NerdWallet.com,shared her advice for how to choose the right financial advisor.
但第一步是要确定你找到了一名合适的理财师。KimberlyPalmer，一位NerdWallet银行，信用卡部门的专家，分享了她是如何选择正确的财务顾问。
When do you need a financial advisor?
理财师需要介入的时机
Palmer says a big myth about financial advisors is that you need to be wealthy to hire one. In reality,advisors can help people at all financial levels, and can provide an important perspective when it comes to your finances.
Palmer说关于理财师的一个误会是：你需要很有钱才需要找财务顾问。事实上，理财可以帮助到各个阶层的人们，为他们提供一种很重要的观点角度。
“Sometimes you face a point where you feel like, ok, I need an outside perspective, and it’s often when you’ve gone through something really big, [like] launching a business, or maybe you’ve gone through a divorce, or something that has really upended your finances,” Palmer said.
“有时候你遇到一些问题让你觉得，啊是啊，我需要一些来自第三方的外部意见，而这种时候大多是你人生重大时刻，比如创业、离婚，或其他任何会影响你财务状况事件。”
People should also consider hiring an advisor to help them reach financial goals they may be working towards if they’re not making enough progress on their own.“Maybe you’re trying to pay off debt or save to buy a home and you just feel stuck,” she said. “Are you self-disciplined enough to make your own budget and follow it, or do you need an outside coach who’s in your corner helping you?”
同样当人们制定了一个财务目标，但却在执行的过程中遇到瓶颈时也需要考虑找一个理财顾问。也许是你在偿还债务，或是准备买房，但可能你的执行能力和自我约束能力不足以完成这些规划，这时你就需要一个理财师像是场外教练一样来帮助你。
How to find the right fit
什么算是“合适”？
As your first step, Palmer recommends asking friends and family for referrals or recommendations, since they may have similar financial concerns or challenges.
Palmer also recommends using a resource like the?National Association of Personal Finance Advisors (NAPFA), which allows you to filter advisors by specialty and location.
首先，Plamer建议先咨询从朋友和家人开始，因为他们可能经历过类似的财务问题。Plamer同时建议可以从一些专业网站上寻找理财师资源。
When it comes to credentials,an advisor may be a CFP, or “Certified Financial Planner.” This means they’ve taken a course in financial planning, passed an exam, and have at least three years of financial planning experience. Not all financial advisors are required to have a CFP certification, and there are a variety of other licenses and certifications financial professionals can receive.
当需要考虑证书凭证时，你可能会看到一名理财师是CFP持证人。这意味他们介绍了理财课程、通过了考试并且有至少三年的财务规划经验。当然并不是所有理财师都必须有CFP资格认证，还有很多其他许可证和金融证书。
Palmer says you should understand and educate yourself on their qualifications before you hire them to help you with your finances.TheFinancial Industry Regulatory Authorityhas acomplete list?of financial professional designations and what they mean.
Palmer说在这之前，你应该先对这些认证有一定的了解。金融监管部门那里有一份完整列表，你可以通过这份列表对这些证书进行初步了解。
Once you find someone you may want to work with, Palmer says you should run a web search on their name,research their credentials and even call to ask if you could speak with their other clients.“You’re really doing your due diligence to make sure you’re going to work with someone you can really trust,” she said.
当你选定了要和你一起工作的理财师后，你应该通过网络检索他们的名字，看看资历、他们的认证、如果可以了解一下他之前服务过的客户。这一步的“尽职调查”是为了确保你可以完全信任你的理财师。
Calling your advisor
联系他
Once you think you’ve found a fit, Palmer says the first thing to ask is how your advisor will be paid.“Because there’s such a variety of ways you can pay an advisor, that’s an area where people tend to get stuck and confused, so you always want to ask and make sure you understand,” she said.
当你确定了你的理财师后，你要问的第一件事是“他是如何收费的”。因为理财师的收费标准有太多情形，而很多非专业人士会在这部分感到困惑和不理解，所以你最好实现就搞明白这个问题。
Palmer said advisors can be paid by “fee-only,” which means they will be paid based on the time they spend with you, or from a percentage of the assets they’re helping you manage.
理财师可能是“只收费”，这意味着他们的费用将取决于他们的工作时间，或者是帮你管理资产的百分比。
Another option is commission-based, which means they’re paid based on the products and services they’re selling to you. Palmer said no one payment structure was better than the other, but it’s important to understand how you’ll be billed so there are no surprises.
另一种收费选择是“管理费”，这意味他们的收入给予他们卖给你们的产品和服务所收取的回扣。Palmer说几种支付方式没有哪种更好，重要的是你要完全理解你所选择的支付方式，不然当你收到账单时会感到惊喜。
Palmer also recommends asking your potential advisor what their communication style is: will you meet with them once a year, or keep in contact through email or social media.“Youwant to really find an advisor who matches your communication style so you feellike you’re in tune with them,” she said.
Palmer还建议提前了解一下理财师的沟通方式：是每年见面沟通，还是通过邮件或其他社交媒体？选择一个匹配你沟通风格的理财师也是很重要的事情。
Meeting your advisor
与他见面
If you think you’ve found the perfect fit, you should ask your advisor for a free first meeting.“Especially for someone in their 20s or 30s who doesn’t have a ton of assets accumulated already, this can be something you ask for: Will you talk with me free of charge as I’m choosing an advisor?” she said.
当通过前面的测试你觉得遇到了匹配的理财师后，就应该准备第一次见面会议了。特别是对于20岁到30岁这个年龄段的人，他们还没有累计大量的财富，所以你可能需要问问理财师：你愿意成为一个没什么钱的人的理财师吗？
