But a closer listen reveals a conservative streak that would do fusty financial planners proud.

但仔细听一听，你会发现他有一种保守的性格，会让老气的理财规划师感到自豪。

Some financial planners recommend owning a small amount of gold, alongside stocks and bonds, to guard against market volatility.

一些金融规划师建议持有少量黄金，同时持有股票和债券，以防止市场波动。

I was watching a TV show Good Morning America when a financial planner came on and began forecasting doom and gloom.

我在家看电视节目《早安美国》时，有位财务规划师出现在节目上并开始预测经济状况。

So CFP is certified financial planner.

所以CFP就是经过认证的理财规划师。

You know, I think my financial planner could just ask me about how I feel about risk rather than giving me a brain scan.

你知道吗，我想我的理财规划师可以直接问我对冒险的感受，而不是对我的大脑进行扫描。

One is you end up being a certified financial planner and one you end up being a chartered financial planner.

一种是您最终成为一名认证理财规划师， 另一种是您最终成为一名特许理财规划师。

Instead of making investing decisions with your emotions, financial planners advise that you should leave your investments alone and focus on a long-term investment plan.

理财规划师建议你不要用情绪来做投资决定，而应该把投资放在一边，专注于长期投资计划。

And joining us on the line is financial planner Tamsin Caine, who runs a firm in Manchester called Smart Divorce.

和我们一起在线的是财务规划师 Tamsin Caine，他在曼彻斯特经营一家名为 Smart Divorce 的公司。

But a financial planner interviewed by CNN says this shouldn't be the only way people get paid, and for most American workers, it's not even worthwhile.

但一位财务规划师在接受CNN采访的时候表示，这不应该成为员工工资的唯一形式，并且对大多数美国雇员来说，这种货币并不值钱。

But Moira, the term financial planner and financial adviser, they're not exactly the same thing, are they?

但是莫伊拉， 财务规划师和财务顾问这两个词，他们不完全是一回事，是吗？

I'm a chartered and certified financial planner for Financial Planning Partners in Berkshire.

我是伯克希尔 Financial Planning Partners 的特许和认证财务规划师。

So never mind Laureen in 10 years' time, the financial planner could help her consider Laureen in 50 years' time.

所以不要在意 10 年后的 Laureen，财务规划师可以帮助她考虑 50 年后的 Laureen。

A warning, though: Given the volatility of commodities, financial planners recommend that investors have no more than 5% to 10% of their portfolio in this sector.

不过，应该注意：鉴于商品的波动性，理财规划师建议，投资者对这部分的投资不应超过其投资组合的5%至10%。

So in the US we highly recommend that people have a certified financial planner that they work with.

因此，在美国，我们强烈建议人们与经过认证的财务规划师合作。

Yeah. Are you aware of the sort of basic difference between a wealth manager, a financial adviser and a financial planner?

是的。您知道财富管理师、财务顾问和理财规划师之间的基本区别吗？

Financial advisers, wealth managers and financial planners, what do they actually all do, and how do you know if you need one?

财务顾问、财富经理和理财规划师，他们实际上都做什么， 你怎么知道你是否需要一个？

And I think if they did make a fund manager Barbie or a financial planner Barbie, then obviously she'd learn enough.

我认为，如果他们确实制作了一个基金经理芭比娃娃或一个财务规划师芭比娃娃，那么显然她已经学到了足够的东西。

Abigail Gunderson, a certified financial planner and wealth adviser at Tanglewood Total Wealth Management, recommends that Emerald think about smaller, more tangible goals for now, rather than the big, far-off picture.

阿比盖尔·甘德森是唐格尔伍德财富管理公司的注册理财规划师和财富顾问，他建议艾米瑞达现在考虑更小的更切实的目标，而不是大的、远大的目标。

It happened this past Saturday, and we now know that layaway Santa is Greg Parady, a local financial planner who was supposed to be here buying bicycles for Toys for Tots, when he decided to do a little more.

这发生在过去的星期六, 我们现在知道那位预付圣诞老人是格雷格·帕蒂，当他决定做多一点的时候，这位当地理财规划师就来到这里给小孩子们购买玩具自行车。

" A lot of people have been going through life without a good pulse on their finances, because everything has kind of been working out, " says financial planner Mitchell Kraus of Santa Monica, Calif. -based Capital Intelligence Associates.

加州圣莫尼卡的理财规划师米切尔·克劳斯表示：" 很多人在生活中并未很好地了解理财，因为一切都规划好了。"