What are the benefits of hiring a "fee-only" financial planner?
聘用“只收费”理财规划师的好处是？
Ted, a recent retiree, is talking to his financial planner Sally.
特德最近退休了，正在和他的财务顾问萨利谈话。
I am a economist, also an accountant and senior financial planner.
我是一个经济师、会计师、高级理财规划师。
If that doesn't work for you, seek the help of a broker or a financial planner.
如果这样对你没用，那就向经纪人或财务策划师寻求帮助。
“It's the one-time expenses that kill a budget,” said Rick Kahler, a financial planner in Rapid City, S.D.
“这类一次性开支会耗尽整个预算，”南达科他州拉皮德城的理财规划师里克·卡勒（RickKahler）告诫道。
This happens more often than you think. For example, a friend is an incredibly successful financial planner.
比方说，一个朋友是位非常成功的财务规划师。
One of the best ways to develop an effective asset allocation plan is to consult a qualified financial planner.
建立一个有效的资产配置计划，一个最好的方式就是去咨询有执照的财务顾问。
Brian Greenberg is a college financial planner, but on a recent morning he felt more like a marriage counselor.
BrianGreenberg是一个职业理财人，但是在最近的一个早上，他感觉自己更象一个婚姻顾问。
Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages.
几乎所有财务规划师都会说，员工应该利用这些退休方案来更容易地存钱：往往直接从他们的工资中扣除。
Being careful with money means an efficient use of money, which, in essence, equals to part of the job of a financial planner.
对金钱的谨慎意味着一种有效的利用金钱，而这在本质上等同于金融规划师的工作的一部分。
Schedule a meeting with a certified financial planner to go over the basics of a retirement plan or bone up with our retirement guide.
约个注册财务策划师会面，让他帮你重新复习退休计划的基本知识或者学习退体指南。
Be sure to spring for inflation protection, advises financial planner Peg Downey in Silver spring, Md. Long-term-care costs are expected to spiral.
切记，一定要考虑到通货膨胀时的保护措施，SilverSpring的理财规划师PegDowney建议，马里兰州的长期照护保险费预计会螺旋上升。
One of fastest and most effective way to do this is to read, according to Irene Davis, a certified financial planner and certified public accountant.
其中最快速最有效的途径就是阅读注册理财师和注册会计师艾琳·戴维斯推荐的著作。
And it should be no surprise that Software Engineer ranks No. 1, followed by Actuary, Human Resources Manager, Dental Hygienist and Financial Planner.
不出所料排名第一的是软件工程师。接下来的排名依次是：精算师、人力资源经理、洁牙师和理财规划师。
"If you leave the market now entirely, you probably won't make it back in time to enjoy the recovery," says Torrance, Calif. financial planner Phillip Cook.
“如果你现在完全撤出市场，那么你可能没有机会在复苏的时候翻盘，”加州torrance市的理财规划师PhillipCook说道。
To be a financial planner you need a bachelor's degree, but higher degrees and certificates help increase chance of employment and increase in client base.
成为私人理财顾问要求具备学士学位，但是更高的学历或资格证会提高就业率和增加客户群体。
One is Mint, a free internet-based financial planner that lets users put information from several sources onto a single screen and then recommends suitable products.
Mint网便是一例，这是一家基于因特网的免费金融规划机构，它允许用户将来源多样的信息列在单一屏幕上，之后推荐合适的产品。
"Fee-only" is to be distinguished from "fee-based," which means that a financial planner may be receiving commissions on some products in addition to what clients pay them.
区别于“只收费”的“托管费”是指规划师除了客户付给他们的报酬还有可能收到来自于所推销理财产品的回扣。
Like a savvy career counselor or financial planner, the right advisor can help you build a solid foundation as well as steer you through choppy waters once you open your doors.
正如经验丰富的职业顾问和财务策划师一样，一个合适的顾问可以帮助你打下牢固的基础，并且在公司开业后帮你度过困难。
You might be able to lower your costs further by picking up an umbrella policy, which provides additional liability coverage, said Steve Podnos, a financial planner in Merritt Island, Fla.
佛罗里达州梅恩岛的财务计划师史提夫·博多·诺斯说，你还能通过采用提供额外责任保险范围的保护伞政策进一步减少成本。
"One of the quickest ways to take the financial temperature of a client is to track their balance sheet from year to year," said Walt Mozdzer, a financial planner in West Des Moines, Iowa.
爱荷华州西第蒙的金融顾问沃尔特莫兹德泽尔说，“衡量客户财务状况的其中一种最快捷的方法就是追踪每年的资产负债表。”
Within the Amish sect, a long, full beard may denote mature stability, but on an unemployed financial planner, it suggests rather the opposite. Grooming the beard doesn't remove all problems.
在阿们宗派（Amish）里，留大胡子也许意味着成熟、沉稳，但对一个失业的金融规划师来说，这种造型反而会适得其反，而修剪胡子也不能解决所有问题。
"It's like the facts of life talk with our kids; no one wants to have it, but you have to do it," says Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards.
“这有点像跟孩子讨论性知识，没人想这样，但你必须得做。”注册金融策划师标准委员会的消费者权益倡导者埃莉诺·布莱尼说道。
"It's like the facts of life talk with our kids; no one wants to have it, but you have to do it," says Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards.
“这有点像跟孩子讨论性知识，没人想这样，但你必须得做。”注册金融策划师标准委员会的消费者权益倡导者埃莉诺·布莱尼说道。
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