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（二）财务报告诊断...............................................................................................................7
（三）建议 ..............................................................................................................................7
七、理财规划建议...........................................................................................................................8
（一）家庭盈余规划...............................................................................................................8
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（二）教育经费规划.............................................................................................................10
（三）对住房生活环境的调整以及更换汽车的需求.........................................................11
１．家庭住房规划.........................................................................................................11
２．换车规划.................................................................................................................11
（四）退休养老和家庭保障规划.........................................................................................11
（五）基金购买规划.............................................................................................................13
（六）旅行生活规划.............................................................................................................13
八、敏感度分析.............................................................................................................................14
九、 风险揭示.............................................................................
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