首次咨询与目标设定

Good morning, Ms. Chen. Welcome. Thanks for coming in today. My name is Andrew, and I'll be your financial advisor. To start, could you tell me a little bit about what brings you in and what your financial goals are?

Good morning, Andrew. Thank you. Well, I've been thinking about getting my finances in order more seriously. My main goal right now is to save for a down payment on a house within the next five to seven years, and also to start building a retirement fund for the longer term.

Those are excellent and very clear goals, Ms. Chen. To help me understand your situation better, could you give me a brief overview of your current income, expenses, and any existing savings or investments you might have?

Certainly. I have a stable income from my job, and my monthly expenses are fairly consistent. I have a small emergency fund already, but no significant long-term investments yet. That's why I'm here – to figure out the best way to grow my money.

Perfect. Now, when it comes to investing, how would you describe your comfort level with risk? Are you someone who prefers very stable, low-risk options, or are you comfortable with a bit more volatility for potentially higher returns?

That's a good question. I'd say I'm moderately cautious. I understand that some risk is necessary for growth, but I wouldn't want to lose a significant portion of my capital. Perhaps a balanced approach? I'm open to learning more about what that entails.

A balanced approach is often ideal for long-term goals like yours. It typically involves a mix of different asset classes to diversify, which helps manage risk while aiming for growth. Based on what you've shared, I can start putting together a preliminary proposal.

That sounds great. What would be the next step then?

I'll analyze your information and prepare a tailored investment strategy that aligns with your goals and risk tolerance. I'll include different scenarios and projections. We can schedule a follow-up meeting next week to go over everything in detail. How does that sound?

That works perfectly. Thank you, Andrew. I look forward to our next meeting.