what is financial planning · the financial planning process 財務策劃程序 5 what is...

What is FinancialPlanning

10/06/IFPHK

©Copyright. All rights reserved 2006. The Institute of Financial Planners of Hong Kong Limited.

Several parts of this brochure were developed using materials derived or excerpted from publications of the

Certified Financial Planner Board of Standards, Inc. with its full consent. We are grateful for the Board’s

permission to use such materials.

© 香港財務策劃師學會有限公司保留一切版權

本冊子有部份內容，經美國CFP標準制定局的同意，取材自該局的刊物。

本會在此特表鳴謝。

Financial planning is the process of setting, planning, achieving and reviewing your life

goals through the proper management of your finances.

Life goals include buying a home, getting married, raising children and planning for their

education, insuring yourself and your family, setting aside money for retirement and

investing it, estate and tax planning, etc.

Life goals are not limited to personal matters; they may involve starting a business and

financing it, joining or withdrawing from a partnership, etc.

財務策劃是通過適當的財務管理，對您的人生目標作出設定、計劃、實行及覆核的全盤安排。

人生目標包括置業、婚姻、培育下一代、保障自己及家庭成員、退休計劃及投資、遺產與稅務安

排等。

人生目標不限於私人事宜；它可涉及成立業務及融資、參與或退出合夥業務等。

1

What is Financial Planning? 財

務策

劃是

甚麼

？

What Is FinancialPlanning?

財務策劃是甚麼?

What Is Financial Planning? 1 財務策劃是甚麼?

Benefits of Financial Planning 2財務策劃的好處

The Financial Planning Process 4財務策劃程序

Who Needs Financial Planning? 6甚麼人需要財務策劃?

Why Hire Financial Planners? 8為何聘用財務策劃師?

CERTIFIED FINANCIAL PLANNERCM 10Professionals with A Difference

CERTIFIED FINANCIAL PLANNERCM

認可財務策劃師與眾不同

Why Plan with CFP Professionals 12為何選擇CFP 專業人士

CFP Marks of Professional Distinction 14CFP 認證標誌就是專業保證

How to Make Financial Planning Work for You? 16如何善用財務策劃？

Take The First Step into A Bright Future 18為美好將來，踏出第一步

Contents目錄

Benefits of

FinancialPlanning

財務策劃的好處

3


務策劃是甚麼？

Life is full of changes and challenges. You need to plan and modify your life goals as you

negotiate every turn along the way.

Financial planning reduces surprises and makes you more in control of your goals.

Financial planning enables you to list out your financial expectations, present and future,

and helps you set up realistic plans, objectively evaluate alternatives, and take effective

measures.

It also helps you see how your financial goals may be interrelated and how they may be

balanced with each other.

人生充滿轉變與挑戰。在不同的階段，您應對自己的人生目標作出適當的調節。

財務策劃可減低出乎意料之外的事情及對您所帶來的衝擊，使您更全面掌握自己的目標。

財務策劃使您明確地列出現在及將來的財務期望，助您籌劃可行的計劃、客觀地評估各種可行建議、及採用有效的計算方法。

它更可助您了解各項財務目標的關連性，及適當地平衡各項不同的財務目標。

The Financial Planning Process

財務策劃程序

5



The Financial Planning Process is a straight-forward 6-step approach which provides you

with action plans designed to achieve financial goals and financial health.

• Establishing client-planner relationships

• Gathering client data and determining goals and expectations

• Determining the client's financial status by analyzing and evaluating client's information

• Developing and presenting the financial plan

• Implementing the financial plan

• Monitoring the financial plan

根據一個標準的財務策劃六步程序，可幫助您更完善地籌劃自己的財務狀況，以達到未來生活目

標和期望。

• 確立客戶和策劃師之間的關係

• 收集客戶資料和釐定其目標與期望

• 分析與評估客戶資料以決定其財務狀況

• 制定並陳述理財計劃

• 推行理財計劃

• 監控理財計劃

Who NeedsFinancial Planning?

甚麼人需要財務策劃?

7



Do not think that financial planning is only for multi-millionaires.

You do not need to have accumulated a lot of money to turn to financial planning. You

may start as soon as you are financially independent.

More and more ordinary men and women have recognised the importance of starting

financial planning early to benefit themselves and their families.

Starting financial planning early has the advantage of achieving your life goals ahead of

others who do not.

You may be surprised to know that your relatives and friends have already been practising

financial planning for some time with the help of financial planners.

財務策劃常被誤解為有錢人而設。

其實您不需要累積很多金錢，才可善用財務策劃。當您財政獨立時，已可開始財務策劃。

現在已有愈來愈多人，意識到盡早開始財務策劃能使他們及其家人受益的重要性。

盡早開始財務策劃的好處，是可令您較其他人更快實現自己的人生目標。

Why HireFinancial Planners?

為何聘用財務策劃師?

9



Most people may lack the expertise to do

financial planning on their own but some

people may like to do financial planning all

by themselves.

The obvious advantage is that there are no

fees to pay. However, this does not mean

that it is costless.

There is the cost of your valuable time which

may be spent more productively elsewhere,

the cost of not having the latest information,

the cost of not being able to capitalize on

more profitable arrangements, the discomfort

of not having a second, professional opinion,

etc. You may also have to invest in your

own financial software packages or other

analytical tools, or subscribe to investment

and financial reports.

For these reasons, the benefits of hiring an

outside adviser may far outweigh the cost.

The cost of getting professional advice varies

according to the funds involved and the

complexity of the financial arrangements to

be set up.

Please contact any of our CFPCM professionals

in Hong Kong or any institutions providing

financial planning services. They will be

glad to help you assess your needs.

一般人或許並沒有財務策劃的專業知識，但有

些人也許喜歡自己全盤籌劃。

最明顯的好處是您不用支付任何費用，但這並

不等如您沒有付出其他代價。

主要的代價或額外開支，包括:不能將寶貴的時

間應用於其他更有成本效益的事務上; 未能獲取

最新資訊；可能錯過運用更有利可圖的策略; 不

能獲得額外的專業意見等等。您或更要額外投

資或購買自用的財務軟件或其他分析工具、又

或需訂購一些投資及財經報告。

基於以上種種原因，聘用財務策劃師的好處是

遠遠超過其費用。

聘用財務策劃師的費用，會視乎投資金額的大

小及財務安排的複雜性而設定。

請與香港的CFPCM專業人士，或提供財務策劃

服務的公司聯絡。他們很樂意協助您評估您的

財務策劃需要。

CERTIFIED FINANCIAL PLANNERCM

Professionals with A

DifferenceCERTIFIED FINANCIAL PLANNERCM

認可財務策劃師

與眾不同

11



The following professionals may assist you in one or more areas of your financial planning

process. They include:

• Accountants • Financial Planners

• Investment Advisers • Retirement Benefit Advisers

• Bankers • Insurance Agents

• Lawyers or Estate Planners • Stockbrokers

Each of the above types of advisers is specialized in their own fields. Some of them may

be qualified to provide advice in more than one capacity.

CFP professionals, however, are financial planners who hold a CERTIFIED FINANCIAL

PLANNER designation, are trained to take clients through the financial planning process

in a comprehensive way.

以下各種專業人士，均可協助您處理一項或以上的財務策劃程序。他們包括:

• 會計師 • 財務策劃師

• 投資顧問 • 退休福利顧問

• 銀行家 • 保險經紀

• 律師或遺產策劃師 • 股票經紀

以上各類顧問都各有所長。但當中有些顧問，可以為您提供超過一項的專業意見。

持有CFP認可財務策劃師資格認證的財務策劃師均受過專業的訓練，能為客戶提供綜合的財務策劃

程序。

Why Plan withCERTIFIED FINANCIAL PLANNER

Professionals

為何選擇CFP專業人士

13



They are holding a CFP certificate issued by The Institute of Financial Planners of Hong

Kong (IFPHK) or affiliated institutes of the Financial Planning Standards Board (FPSB) around

the world.

They will, if you permit, review all of your financial planning needs including savings,

investment, insurance, retirement, estate and tax planning, etc.

You may however instruct him on a single financial issue but they will always do so within

the context of your overall financial situation.

This comprehensive approach to find solutions for your financial goals sets the CFP

professionals apart from other financial advisers, who may have been trained to focus only

on a particular area of your financial needs.

CFP專業人士是持有CFP認可財務策劃師證書的財務策劃師。該證書是由香港財務策劃師學會

(IFPHK)或遍佈全球的財務策劃標準制定局 (FPBS) 之成員學會所頒發。

在您允許的情況下，他們會覆核您對財務策劃的需要，包括儲蓄、投資、保險、退休、遺產及稅

務安排等事項。

您亦可聘用他們為您處理個別的財務問題，但他們仍會以您整體的財務狀況為前提，為您提供專

業意見。

目標。因為，其他的財務顧問可能只會為您某一項的財務需求提供意見。

CFP Marks of

Professional Distinction

CFP認證標誌就是

專業保證

15


務策

劃是

甚麼

？

Quality and trustworthiness of CFPprofessionals are achieved through fourmajor steps.

First, IFPHK puts great emphasis on the CFPcertification process. Initial certification isbased on fulfilment of the 4Es requirements,i.e., Education, Examination, Experienceand Ethics.

Secondly, continued assurance ofcompetence is achieved through re-certification every year.

All CFP certificates must be renewed everyyear and holders must (1) satisfy IFPHK thatthey have completed a minimum of fifteenhours of approved Continuing Education tostay abreast with industry developments,and (2) make a Voluntary Disclosure toIFPHK any public, civil, criminal or

disciplinary actions that may have beentaken against them in the previous year.

Thirdly, IFPHK has set up Disciplinary Rulesand Procedures to enforce its Code of Ethicsand Professional Responsibility and maintainthe high professional standard of CFPprofessional.

Finally, to further promote transparency andpublic confidence, IFPHK will verify thecurrent standing of a CFP professional atany time by contacting IFPHK.

In conclusion, CFP professionals (1) are ofthe highest competence and ethicalstandards, (2) hold a valid certificate, and(3) are always ready to provide objectivesolutions to meet your financial planningneeds.

CFP專業人士的質素與可靠性，主要由四項範

疇組成。

第一、學會對CFP 認證程序有十分嚴格的要

求。CFP 專業人士需要符合四項要求(即教育、

考試、經驗及操守)，才能首次獲頒發CFP資格

認證。

第二、透過每年認證續期的制度，以確保持證

人維持其專業質素。

所有CFP資格認證需要每年更新。為確保持證

人不斷豐富和發展自己的專業知識和技能，持

證人(一)必須每年完成最少十五小時的持續進修

課程，(二)必須向學會自願申報在過往一年內，

他/她們所涉及的公眾、民事、刑事或紀律處

分。符合以上兩項條件之人士，才可獲續發其

CFP資格認證。

第三、學會設定紀律規則及程序，以維持學會

的《專業操守及責任》及CFP專業人士高度的

專業標準。

最後，為進一步提升本會的透明度及公信力，

有需要的人士可向學會查證有關香港CFP專業

人士的資料。

總結以上四項範疇，CFP專業人士 (一)具備最高

的勝任能力及專業操守，(二)持有CFP認可財務

策劃師證書，及(三)隨時客觀地提供解決方案以

符合您的財務策劃需要。

How to Make Financial Planning

Work for You?如何善用

財務策劃?

17



While CFP professionals will do their part, making financial planning a success also requires

your partnership in the process. Our recommendations are as follows:

• Start financial planning as soon as you can.

• Set measurable financial goals.

• Understand that financial goals may be interrelated.

• Be realistic in your expectations.

• Play an active role throughout the process.

• Re-assess your financial position periodically.

The Financial Planning Process and our recommendations for effective financial planning

are only expressed here in a simplified synoptic format. Ask your CFP professional to

explain the above to you in detail.

儘重要。以下是我們的建議：

• 盡早開始財務策劃。

• 設定可量度的財務目標。

• 了解財務目標可能互相關連。

• 要設定實際的期望。

• 主動參與整個財務策劃程序。

• 定期對財務狀況作出檢討。

以上的財務策劃程序及我們的建議，皆以簡單的模式表達出來。如需要詳細的解釋，請向您的CFP

專業人士查詢。

Take The First Stepinto A Bright Future

為美好將來，

踏出第一步

19



Starting financial planning and choosing a financial planner may be one of the most

important decisions you make for yourself and your family.

No matter how simple or complex your life goals are, get a CFP professional to do the

balancing act for you.

And take the time to select one of us.

You may also contact the Founding Members of IFPHK listed in our brochure titled The

Institute of Financial Planners of Hong Kong or on our website. The Founding Members

are themselves licensed financial institutions in Hong Kong.

運用財務策劃及選擇財務策劃師，是您為自己及家人作出的重大決定之一。

無論您的人生目標是簡單或複雜，皆需要一個CFP專業人士替您平衡各方面的需要。

請細心參考CFP專業人士的名單，從而選擇一位合適的財務策劃師。

您亦可向學會的創會會員（見香港財務策劃師學會簡介，或瀏覽本會網站）查詢。本會的創會會

員皆為香港領有牌照的金融機構。

For all inquiries, please contact us at:

The Institute of Financial Planners of Hong Kong

Unit 2601, 26th Floor, Bank of East Asia Harbour View Centre,

56 Gloucester Road, Wanchai, Hong Kong

如有任何咨詢，請與我們聯絡:

香港財務策劃師學會

香港告士打道56號東亞銀行港灣中心2601室

Tel 電話：+852 2982 7888

Fax 傳真：+852 2982 7777

e-mail 電郵：[email protected]

Web 網站：http://www.ifphk.org

Contact Us聯絡

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CFPCM, CERTIFIED FINANCIAL PLANNERCM and are certification marks owned outside the U.S. by Financial Planning

Standards Board Ltd. (FPSB). The Institute of Financial Planners of Hong Kong is the marks licensing authority for the CFP marks inHong Kong and Macau, through agreement with FPSB.

CFPCM、CERTIFIED FINANCIAL PLANNERCM 和等認證標誌，於美國以外地區由財務策劃標準制定局(FPSB)全權擁有。根據與財務策劃標準制定局(FPSB)簽訂的協議，香港財務策劃師學會是唯一在香港及澳門頒授CFP認證標誌的認可機構。

what is financial planning · the financial planning process 財務策劃 程序 5 what is...

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what is financial planning · the financial planning process 財務策劃程序 5 what is...