NO.PZ202410180200002305
问题如下：
Discuss how a capital sufficiency analysis may assist McZhao in helping Cree with goal prioritization across his identified goals.
选项：
解释：
Capital sufficiency analysis is the process of evaluating whether a client has suffident capital resources to determine if their current and future capital resources can adequately support their lifestyle, financial goals, and long-term financial stability. Whenever the capital sufficiency analysis does not support the investment objective, the wealth manager must work with the client to revise objectives and create those that the wealth manager judges to be achievable. After quantifying his children's education goals and the apartment building purchase goal, a capital sufficiency analysis would allow Cree to assess the likelihood of being able to achieve each of the stated quantified goals (retirement, children's education, apartment building purchase, philanthropy, and antique furniture collection). If his capital resources appear to be insufficient based on McZhao's capital sufficiency analysis, then Cree can choose to prioritize which goals should be adjusted downward or eliminated and which are most important to maintain.
- capital sufficiency analysis evaluate whether the investor's cashflow is enough to support the objectives. If the cashflow is insufficient, the manager should assist clients to adjust the goals.
- By quantifying the children's education costs and the budget of apartment, the manager can conduct the capital sufficiency analysis for Cree. If the capital is insufficient to meet Cree's goal, the manager should help Cree to adjust the prioritization of his goals.
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