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https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/05\/%E9%AB%98%E9%97%9C%E7%A8%85%E5%92%8C%E6%96%B7%E6%8D%A8%E9%9B%A2-scaled.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/05\/%E9%AB%98%E9%97%9C%E7%A8%85%E5%92%8C%E6%96%B7%E6%8D%A8%E9%9B%A2-scaled.jpg?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2025\/05\/%E9%AB%98%E9%97%9C%E7%A8%85%E5%92%8C%E6%96%B7%E6%8D%A8%E9%9B%A2-scaled.jpg?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":125528,"url":"https:\/\/newsforchinese.com\/v3\/2016\/09\/14\/%e8%ae%93%e6%88%91%e5%80%91%e4%b8%80%e8%b7%af%e5%a5%bd%e8%b5%b0%ef%bc%81\/","url_meta":{"origin":6494,"position":1},"title":"\u8b93\u6211\u5011\u4e00\u8def\u597d\u8d70\uff01","author":"Raymond","date":"September 14, 2016","format":false,"excerpt":"\u4eba\u7684\u4e00\u751f\u514d\u4e0d\u4e86\u751f\u8001\u75c5\u6b7b\uff0c\u5f9e\u4e8b\u7406\u8ca1\u898f\u5283\u8d85\u904e24\u5e74\uff0c\u4e5f\u770b\u4e86\u4e0d\u5c11\u9019\u904e\u7a0b\u7684\u60b2\u559c\u3002\u4f5c\u7232\u8a8d\u8b49\u7684\u7406\u8ca1\u898f\u5283\u5e2b (CFP, Certified Financial Planner), \u6211\u66fe\u6b23\u6170\u904e\uff0c\u4e5f\u66fe\u81ea\u8cac\u4e0d\u5df2\uff0c\u662f\u4e0d\u65b7\u5b78\u7fd2\u7684\u904e\u7a0b\u3002CFP \u7684\u56b4\u82db\u8a13\u7df4\u8b93\u6211\u958b\u4e86\u773c\u754c\uff0c\u66b8\u89e3\u5230\u7406\u8ca1\u9762\u9762\u4ff1\u5230\u7684\u5e73\u8861\u8207\u5ba2\u89c0\uff0c\u4f46\u8981\u4f5c\u5230\u5f88\u4e0d\u7c21\u55ae\u3002\u800c\u4e14\uff0c\u5b78\u5f97\u8d8a\u591a\uff0c\u8d8a\u77e5\u9053\u81ea\u5df1\u9084\u6709\u591a\u5c11\u4e0d\u61c2\uff0c\u4e0d\u6562\u592a\u201c\u9435\u9f52\u3002\u201d\u5b83\u7684\u7bc4\u570d\u5176\u5be6\u5f88\u5927\uff0c\u800c\u4e14\u4e0d\u65b7\u66f4\u65b0\u6539\u8b8a\u3002 \u525b\u62ff\u5230MBA, 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LTCI\uff09\u3002\u90a3\u6642\uff0c\u9000\u4f11\u7684\u806f\u5408\u9280\u884c\u7e3d\u88c1\u6797\u4fee\u69ae\u5148\u751f\u6b63\u5728\u7cb5\u8a9e\u96fb\u81fa\u5927\u529b\u63a8\u5ee3\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff1b\u4ed6\u4e5f\u9f13\u52f5\u4eba\u5bb6\u8003CFP, \u5145\u5be6\u81ea\u5df1\u7684\u5c08\u696d\u77e5\u8b58\uff1b\u6211\u540c\u610f\uff0c\u56e0\u60f3\u907f\u514d\u7576\u9760\u800d\u5634\u76ae\u5b50\u7684\u63a8\u92b7\u54e1\u8981\u5f9e\u8b80\u66f8\u958b\u59cb\u3002\u81f3\u4eca\uff0c\u4ed6\u4ecd\u5e38\u5728\u57fa\u7763\u6559\u7684\u865f\u89d2\u520a\u7269\u767c\u8868\u7406\u8ca1\u5c08\u6b04\u3002\u6211\u56e0\u6b64\u8b80\u4e86Susie Orman\u7684\u66f8\uff0c\u9023Charles Schwab\u7684\u66f8\u90fd\u9f13\u52f5\u4eba\u5bb6\u8cb7\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff0c\u7406\u8ca1\u898f\u5283\u4e0d\u662f\u6295\u8cc7\u80a1\u7968\u800c\u5df2\u3002\u6211\u4e5f\u53bb\u4e0a\u8ab2\uff1b\u5728\u52a0\u5dde\uff0c\u6bcf\u5169\u5e74\u8981\u4fee\u5b78\u5206\u624d\u53ef\u4ee5\u4f5c LTCI. LTCI\u7684\u5b9a\u7fa9\u662f6\u9805\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u52d5\u4f5c\u4e2d\uff0c\u67092\u9805\u4f5c\u4e0d\u5230\uff0c\u7531\u91ab\u751f\u8b49\u660e\uff0c\u5c31\u53ef\u7b26\u5408\u7406\u8ce0\u3002\u90196\u9805\u662f\uff1a Bathing (\u6d17\u6fa1), Continence (\u5927\u5c0f\u4fbf\u5931\u7981), Dressing (\u7a7f\u8863), Eating (\u9935\u98df), Toileting (\u5982\u5ec1), Transferring (walking \u79fb\u52d5) \u3002\u53e6\u5916\uff0cCognitive (\u8a8d\u77e5) \u4e5f\u7b97\u7368\u7acb\u4e00\u9805\uff0c\u6700\u5e38\u898b\u7684\u662f Alzheimer (\u963f\u5179\u6d77\u9ed8\u75c7)\u3002 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