“It's the one-time expenses that kill a budget,” said Rick Kahler, a financial planner in Rapid City, S.D.

“这类一次性开支会耗尽整个预算，”南达科他州拉皮德城的理财规划师里克·卡勒（Rick Kahler）告诫道。

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Being careful with money means an efficient use of money, which, in essence, equals to part of the job of a financial planner.

对金钱的谨慎意味着一种有效的利用金钱，而这在本质上等同于金融规划师的工作的一部分。

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"Fee-only" is to be distinguished from "fee-based," which means that a financial planner may be receiving commissions on some products in addition to what clients pay them.

区别于“只收费”的“托管费”是指规划师除了客户付给他们的报酬还有可能收到来自于所推销理财产品的回扣。

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So she makes an appointment with a doctor, a CPA or a financial planner.

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As a financial planner, I understand the focus of business on the bottom line.

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For example, I did a video guest spot with a friend who is a financial planner.

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