首次咨询与目标设定
Initial Consultation & Goal Setting
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）。
对话轮次
9
预计时长
4 分钟
场景
投资理财咨询
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
👨
Financial Advisor
第 1 轮
Welcome, Mr. Lee. Thanks for coming in. To start, could you tell me a bit about what brought you here today and what you're hoping to achieve with our financial planning services?
English
欢迎，李先生。感谢您的到来。首先，您能告诉我您今天来这里的目的是什么，以及您希望通过我们的财务规划服务实现什么目标？
中文翻译
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Client
第 2 轮
Hi, Ms. Chen. Well, I'm looking to get a clearer picture of my financial future, specifically for retirement, but also to explore options for a down payment on a new home within the next five years. I'm a bit overwhelmed with all the investment options out there.
English
陈女士，您好。嗯，我希望能更清晰地了解我的财务未来，特别是退休方面，但也想探讨一下未来五年内新房首付的选择。市面上这么多的投资选择让我有点不知所措。
中文翻译
👨
Financial Advisor
第 3 轮
That's perfectly understandable. Retirement planning and home ownership are excellent long-term goals. To help me tailor a plan, could you give me a brief overview of your current financial situation, your income, and any existing investments, even if they're small?
English
这完全可以理解。退休规划和拥有住房都是非常好的长期目标。为了帮助我量身定制一个计划，您能简要介绍一下您当前的财务状况、收入以及任何现有投资，即使它们很小？
中文翻译
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Client
第 4 轮
Sure. I'm currently employed full-time, steady income. I have a modest savings account and a 401(k) through my employer, which I contribute to, but I've never really ventured into the stock market or other investments beyond that. My investment experience is pretty limited, to be honest.
English
当然。我目前全职工作，收入稳定。我有一个不大的储蓄账户，以及通过雇主提供的401(k)，我也会向其中缴费，但除此之外，我从未真正涉足股市或其他投资。老实说，我的投资经验相当有限。
中文翻译
👨
Financial Advisor
第 5 轮
Thank you, that's helpful. Now, regarding your risk tolerance, how would you describe yourself? Are you comfortable with potentially higher returns that come with higher risks, or do you prefer a more conservative approach with stable, albeit lower, gains?
English
谢谢，这很有帮助。现在，关于您的风险承受能力，您会如何形容自己？您是否接受可能伴随更高风险而来的更高回报，还是更喜欢稳健、更低收益的保守方法？
中文翻译
👩
Client
第 6 轮
I'd say I'm moderately conservative. I understand that some risk is involved with investing, but I'm not looking for extreme volatility. I'd prefer a balanced approach, perhaps with a focus on long-term growth rather than quick wins. Losing a significant amount of capital would definitely keep me up at night.
English
我想说我偏向保守。我明白投资涉及一些风险，但我不想追求剧烈波动。我更喜欢平衡的方法，也许更侧重长期增长而不是快速获利。损失大量本金肯定会让我彻夜难眠。
中文翻译
👨
Financial Advisor
第 7 轮
Understood. A balanced approach for long-term growth while managing downside risk is a very common and sensible strategy. Based on what you've shared, we can definitely work towards comprehensive goals.
English
明白了。在管理下行风险的同时，采取平衡的方法实现长期增长是一个非常普遍且明智的策略。根据您所分享的信息，我们肯定能朝着全面的目标努力。
中文翻译
👩
Client
第 8 轮
Great! So, what would be the next steps? Should I bring any specific documents for our next meeting?
English
太好了！那么，下一步是什么？我下次会面需要带什么具体文件吗？
中文翻译
👨
Financial Advisor
第 9 轮
Yes, I'll send you a checklist of documents, mainly statements for your existing accounts and a general overview of your monthly expenses. That will help us get a clearer financial picture. Our next step will be to analyze your current situation in detail and propose initial strategies.
English
是的，我会给您发送一份文件清单，主要是您现有账户的对账单和您的月度开支概览。这能帮助我们获得更清晰的财务状况。我们的下一步将是详细分析您当前的情况并提出初步策略。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
retirement
退休
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.
中文解释
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
首付
The initial amount of money paid when buying something expensive, like a house, to secure a loan. It's a partial payment upfront.
中文解释
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
投资
Putting money into something like stocks or property to make more money over time. It's a way to grow your wealth.
中文解释
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
风险承受能力
How much financial loss a person can handle without stress. In investing, it helps choose safe or risky options.
中文解释
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
保守的
In investing, it means preferring safe choices with low risk, even if returns are smaller. Opposite of aggressive.
中文解释
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
波动性
How much prices of investments go up and down quickly. High volatility means big changes, which can be risky.
中文解释
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
资本
The money used to start or grow a business or investment. Losing capital means losing your main invested money.
中文解释
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
检查清单
A list of items or tasks to complete, like documents needed for a meeting. It's a helpful tool for organization.
中文解释
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。
重点句型
"To start, could you tell me a bit about what brought you here today and what you're hoping to achieve?"
"首先，您能告诉我一些关于今天是什么带您来这里以及您希望实现什么吗？"
重点句型
语法解析
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.
中文解析
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."
"我想对我的财务未来有一个更清晰的了解。"
重点句型
语法解析
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.
中文解析
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?"
"您能给我简要概述一下您当前的财务状况吗？"
重点句型
语法解析
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.
中文解析
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."
"老实说，我的投资经验相当有限。"
重点句型
语法解析
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.
中文解析
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?"
"关于您的风险承受能力，您如何描述自己？"
重点句型
语法解析
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.
中文解析
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."
"我可以说我适度保守。"
重点句型
语法解析
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.
中文解析
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?"
"那么，下一步是什么？"
重点句型
语法解析
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.
中文解析
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."
"这将帮助我们获得更清晰的财务状况。"
重点句型
语法解析
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.
中文解析
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。