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Everyone's human

机译:每个人的人

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摘要

For purposes of mistakes, I'm looking beyond some of the day-to-day inaccuracies in the forecasting business - as forecasts and projections are made for extended periods and not in 90-day increments. Let's approach this topic in a way that pres- ents an issue and then shows both sides of the mistake at hand, rather than completing the client side and then traveling over to the. planner side. One such mistake that is in plain sight each and every month is the client's spending habits. Whether a client is still in accumulation mode or in retirement, the entire foundation of the financial plan is built around cash flow, so these numbers need to be reliable. From the planner's perspective, not understanding and planning your client's cash flow to the level of detail needed may hide future problems. Assumptions about retirement or accumulation needs may be completely off base if you are starting with inaccurate information about spending.
机译:出于错误的目的,我不仅仅关注预测业务中的某些日常误差-因为预测和预测是长时间进行的,而不是以90天为增量。让我们以一种表示问题的方式来处理该主题,然后显示手头的错误的两面,而不是先完成客户端再进行讨论。规划者方面。客户的消费习惯是每个月显而易见的一个错误。无论客户是处于累积模式还是处于退休模式,财务计划的整个基础都围绕现金流而建立,因此这些数字必须可靠。从计划者的角度来看,不了解和计划客户的现金流量到所需的细节水平可能会隐藏未来的问题。如果您从关于支出的不正确信息开始,关于退休或积累需求的假设可能会完全不合时宜。

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