概念 Concept

先丰己财以定其志，财不虚用以周家事，是谓养生。
改自 汉·荀悦《申鉴•政体》

先增强自己的财富来安定自己的生活目标，不乱花钱财来完备吃喝穿住行等家中事，也可叫财务的保养。
First enhance your wealth to stabilize your life goals, and do not spend money indiscriminately to complete household matters such as food, drink, clothing, housing, and transportation. It can also be called financial maintenance.

在当今快节奏的世界中，对我们的时间和资源的需求似乎势不可挡。这就是为什么许多人转向财务规划师以获取有关如何制定财务计划的帮助的原因。通过制定财务计划，个人将更好地了解他们的人生目标——以及他们将如何实现目标。
In today's fast-paced world, the demands on our time and resources can seem overwhelming. That's why many people are turning to financial planners to get help on how to get their financial plans in order. By creating a financial plan, an individual will have a better picture of where they're going in life - and how they are going to get there.

我们将分析并推荐解决方案以实现这些财务目标：
We will analyze and recommend solutions to achieve these financial goals:

1. 财富保障 Wealth Protection
如果没有足够的保护，您将很容易受到偶然不幸的恶劣影响，这将导致您遭受不必要的甚至可能是巨大的经济损失。我们的计划有助于减少意外不幸的负面影响，并确保您的生活方式在此之后尽可能不受影响。
Without adequate protection, you will be vulnerable to the nasty effects of a chance misfortune which will cause you to suffer unnecessary and possibly tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.

2. 财富维护 Wealth Maintenance
分析您的总体财务状况，例如现金流和债务状况。没有超额承诺负债的净正现金流被认为是健康的。我们将指导您有效地管理您的现金流，并建议减少或避免不必要的借贷的方法。
To analyze your general financial health such as cash flow and debt position. A net positive cash flow with no over-committed liabilities is considered healthy. We will guide you to effectively manage your cash flow and suggest ways to reduce, or avoid unnecessary borrowing.

3. 财富积累 Wealth Accumulation
以满足长期财务目标。在新加坡，两个最常见的需求是退休基金和儿童教育基金。我们将帮助您制定切实可行的计划来满足这些需求。
To meet long term financial objectives. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. We will help you develop a realistic and achievable program to meet these needs.

4. 富财增值 Wealth Enhancement
最大限度地发挥您资产的增长潜力。我们帮助您制定适合您独特情况的投资计划，而且会以您希望的速度增长。借助我们的专有工具，您更有可能提高投资回报，从而实现您的长期财务梦想。
To maximize the growth potential of your assets. We help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate that you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.

5. 财富分配 Wealth Distribution
着眼于保护和分配您的遗产。人生唯一可以确定的是，它不会永远持续下去。我们将帮助您制定有效且高效的遗产计划，以便您的遗产得到妥善保存并按照您的意愿分配。
To look at preserving and distributing your estate. The only certainty in life is that it will not last forever. We will help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.