百年保险资管董事长杨峻：投顾服务可分为四部曲 缺一不可

Core Viewpoint - The wealth management industry is currently facing challenges related to clients' sense of fulfillment, which can be addressed through a structured advisory service that aligns with clients' life goals [2][3]. Group 1: Wealth Management Challenges - The main pain points in the wealth management industry include insufficient client satisfaction, unclear relationships between wealth and life goals, and difficulties in overcoming human weaknesses such as greed and fear [2]. - The lack of professional knowledge and investment discipline among clients further exacerbates these issues [2]. Group 2: Advisory Service Framework - The advisory service can be divided into four essential components: life planning, financial planning, asset allocation, and product selection, all of which are interdependent [2][3]. - The first step, life planning, involves helping clients define their life goals and clarify their true aspirations [3]. - Financial planning translates these life goals into specific financial figures, determining the necessary funds and cash flow required to achieve them [3]. - Asset allocation is then designed based on financial goals, focusing on stability and reliability to achieve calculated returns rather than chasing market peaks [3]. - Finally, product selection is based on the asset allocation strategy, ensuring that clients feel more secure and clear about their investments [3]. Group 3: Role of AI in Wealth Management - While AI can effectively handle the latter parts of the advisory process, the first step of life planning requires human involvement to build deep trust with clients [3]. - The value of discussing life planning emerges from the dialogue and interaction between the advisor and the client, highlighting the importance of human connection in the advisory process [3].