دانلود کتاب روانشناسی برنامه ریزی مالی

Successful financial planners understand one crucial thing about their clients: Personal finance and psychology are inextricably linked. If someone is not good with people, they’re not going to be a good financial planner. Because when a planner gives their client advice, they are facing off against hundreds of thousands of years of human psychological conditioning, as well as their client’s unique beliefs, behaviors, habits, and background. Knowledge of clients’ financial psychology has never been more essential to the practice of financial planning. As technology continues to advance, making information more and more accessible to clients, there is a greater need for each financial planner to maximize their relevance through a keen ability to understand, respond, and in some cases predict, their client’s behavior relative to a variety of circumstances and life events. The financial planner is no longer the gatekeeper to client data, and clients are not interested in receiving cookie-cutter advice. The value and future of this great profession is on the human side, being able to understand each client’s circumstance – financial and otherwise – so that they are adequately heard and served in their own unique way by a trusted advisor. Getting to know your client sounds like a simple proposition: Schedule a time to meet, ask about their goals, and just listen. But, as accomplished planners will tell you, it is so much more than that. Today’s financial planning is about more than just portfolios and products. The field has evolved to take into consideration all of the areas in a client’s life that are impacted by money: their pursuit of meaning; financial goals that are in line with their values; and concerns about the impact of money on those who matter most to them. At the same time, a less-evolved financial planner will say to us, “I have been doing this for 10 years now and I know my clients.” That may be true. They may serve their clients well, build relationships with them and their families, and help them meet their financial goals. But what about the client who did not return after the discovery meeting? How about the client who didn’t follow through on every aspect of their financial plan? More importantly, what about the clients the planner hopes to add to their practice who may bring different life experiences and perceptions than their own or the colleagues at their firm?