English to Chinese translation sample 3

（Edited by freelance Chinese translator li – English to Chinese or Chinese to English translation services）

Source:

March 21, 2007 (SmartPros) -- Certified financial planner earnings are higher and job satisfaction remains solid, according to The College for Financial Planning's 2007 Survey of Trends in the Financial Planning Industry.

Survey respondents reported mean gross earnings of $283,079 in 2006, compared to the $232,995 reported in last year's survey. Longevity in the profession was a factor in reported earnings, as those professionals with five to nine years of experience reported earning an average of $111,730, while those with 30-plus years of experience averaged $476,464 in earnings.

Professional designations also moved income levels upward, and rapidly. As an example, those holding the College for Financial Planning asset management designation, Accredited Asset Management Specialist, reported increases in earnings from 18 percent to 29 percent, with an annual income of $109,000-188,000. Those holding the retirement counseling designation, Chartered Retirement Planning Counselor, reported earnings increases of 12 to 15 percent, and annual incomes greater than $140,000.

Financial planners surveyed were likely to hold more than one license or designation, in addition to the CFP certification. Life and Health licenses, NASD, RIA, and CPA were among the most widely held designations reported on the Survey. Financial planners are also well educated, with 89 percent holding bachelor's degrees, and 42 percent with graduate degrees.

The survey found that the typical client of financial planners is a two-income couple, 50 to 59 years old, with gross income of $100,000 to 149,999, discretionary income of $10,000 to 20,000, and a net worth of $1 million to 1.5 million. Clients were considered most knowledgeable about basic budgeting and financial goal setting, and least knowledgeable about estate planning. Clients were most concerned about health care costs, and least concerned about losing their jobs.

The survey found a cause of concern for planners and their clients in questions about retirement expectations. Fully 88 percent of clients expect to be able to maintain their current standard of living in retirement, while only 70 percent of financial planners expect clients to be able to maintain current living standards.

Target(by wordfast after clean-up):

2007年3月21日（SmartProsSmartPros）

根据财务规划大学对2007年财务规划产业的调查，认证财务规划业者收入水平较高，依然有很强的工作满足感。

2006年受访者的平均总收入是$283,079，而2005年这一数字是$232,995。资历是收入水平的影响因素。有5至10年工作经验的，平均年收入是$111,730，而那些有30多年工作经验的，平均年收入是$476,464。

专业头衔也会迅速提高收入水平。 例如，具有财务规划大学资产管理专业头衔（合格的资产管理专家）的，年收入$109,000至$188,000，增长18%至29%。 那些具有退休咨询服务专业头衔（特许退休计划顾问）的，年收入超过$140,000，增长12%至15%。

被调查的财务规划业者，除CFP证书之外，还拥有不止一个执照或专业头衔。 调查显示，生命与健康执照，NASD, RIA和CPA被广泛持有。 财务规划业者们受过良好教育，89%具有学士学位，42%具有研究生学位。

调查发现，财务规划业者的客户通常是双收入夫妇，50岁至59岁，总收入为$100,000至$149,999,可自由支配收入为$10,000至$20,000，资产净值为$1,000,000至$1,500,000。 他们被认为熟悉基本预算和财务目标制定，而对于不动产计划知之甚少。 客户们非常关心健康支出，而很少考虑失业问题。

调查发现，需要注意业者和客户们在退休后生活预期方面的差距。88%的客户预期在退休后能够保持现有的生活水平，而只有70%的财务规划从业者预期客户们能够保持现有的生活水平。