According to Stella Brody, it includes, first and foremost, the protection of income. This is a kind of foundation – a foundation of confidence of the family, followed by a solution to housing, planning, retirement savings, the creation of financial chute in case, for example, something is broken and require unforeseen expenditure of funds, it is about 2-4 in wages, followed by providing financial support for children and only in the last formation of the investment capital of the family. In a personal financial plan considers all revenues and expenses of the family, the existing financial products and those that the client can afford to buy, calculate how much it will lose on this. This is necessary in order to the client clearly understood that month happens to his family budget. But this is only the first part of personal financial plan, the second includes a description of three scenarios CashFlow – your future financial situation of the moment retirement. “We aim to ensure that the personal financial adviser has become a family counselor to help correctly assess the financial situation and to distribute the funds, taking into account all the risks and benefits by choosing the most effective financial tools “- explains Stella Brody. After a personal relationship with a financial advisor can not look at their financial situation the same eyes, and my practice of using these services can not be confined only to the distribution of funded part of pensions. Issues relating to the financial aspect of my life, there are everywhere, and they require a permanent solution in accordance with my plans. Possible, while only a small number of Russians willing to plan your entire family budget with the involvement of third parties. This financial culture only to stage Accommodation in Russia. But it is already clear that personal financial adviser can help the client to calculate its debt load, significantly reducing the risk of contact with the collectors in the future through proper planning and understanding of the credit load According to Family Income and Expenditure. Valentin Fomin.