{"id":4776,"date":"2019-08-13T09:29:52","date_gmt":"2019-08-13T17:29:52","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4776"},"modified":"2019-06-28T20:30:19","modified_gmt":"2019-06-29T04:30:19","slug":"financialplanning2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/financialplanning2\/","title":{"rendered":"Smart & Responsible\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\uff08\uff12\uff09"},"content":{"rendered":"

2019\u5e74\u79cb\u304b\u3089\u65b0\u305f\u306a\u30b5\u30fc\u30d3\u30b9\u4f53\u5236\u306b\u3066\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u63d0\u4f9b\u3055\u305b\u3066\u3044\u305f\u3060\u304f\u3079\u304f\u3001\u305f\u3060\u3044\u307e\u6e96\u5099\u4e2d\u3067\u3059\u3002\u305d\u306e\u6e96\u5099\u3068\u3057\u3066\u79c1\u81ea\u8eab\u304c\u982d\u3092\u6574\u7406\u3059\u308b\u305f\u3081\u306b\u3082\u3001\u307e\u305f\u3053\u308c\u304b\u3089\u30b5\u30fc\u30d3\u30b9\u3092\u3054\u5229\u7528\u3044\u305f\u3060\u304f\u65b9\u3005\u306bSmart & Responsible\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u3064\u3044\u3066\u7406\u89e3\u3044\u305f\u3060\u304d\u3001\u30b5\u30fc\u30d3\u30b9\u5229\u7528\u306b\u3042\u305f\u3063\u3066\u3054\u6e80\u8db3\u306e\u3044\u304f\u6c7a\u65ad\u3092\u3044\u305f\u3060\u304f\u305f\u3081\u306b\u3082\u3001Smart & Responsible\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u3044\u3063\u305f\u3044\u3069\u3093\u306a\u3082\u306e\u3067\u3001\u3069\u306e\u3088\u3046\u306a\u4fa1\u5024\u3092\u63d0\u4f9b\u3067\u304d\u3001\u307e\u305f\u540c\u6642\u306b\u3069\u306e\u3088\u3046\u306a\u671f\u5f85\u306b\u306f\u305d\u3048\u306a\u3044\u3082\u306e\u306a\u306e\u304b\u307e\u3067\u3092\u307e\u3068\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u4eca\u307e\u3067\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u4f7f\u3063\u3066\u3044\u305f\u3060\u3044\u305f\u65b9\u3005\u306f\u3069\u3093\u306a\u4eba\uff1f<\/h2>\n

Smart & Responsible\u3067\u3053\u308c\u307e\u3067\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3092\u3054\u5229\u7528\u3044\u305f\u3060\u3044\u305f\u65b9\u306e\u5e74\u9f62\u306f\u4ee5\u4e0b\u306e\u3088\u3046\u3067\u3059\u3002\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u304c\u3067\u304d\u3001\u5bb6\u5ead\u3092\u304a\u6301\u3061\u306b\u306a\u308b\u53ef\u80fd\u6027\u306e\u9ad8\u304430\u4ee3\u300140\u4ee3\u306e\u65b9\u306e\u6bd4\u7387\u304c\u9ad8\u3044\u3067\u3059\u304c\u3001\u3053\u308c\u304b\u3089\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u57fa\u76e4\u3092\u4f5c\u3063\u3066\u3044\u304f20\u4ee3\u3084\u3001\u53cd\u5bfe\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u304c\u3060\u3093\u3060\u3093\u3068\u8fd1\u3065\u304d\u5177\u4f53\u7684\u306a\u8001\u5f8c\u306e\u30d7\u30e9\u30f3\u3092\u7df4\u308a\u59cb\u3081\u308b50\u4ee3\u300160\u4ee3\u306f\u3082\u3061\u308d\u3093\u306e\u3053\u3068\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u3063\u3066\u304b\u3089\u306e70\u4ee3\u306e\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u307e\u305f\u3001\u4e16\u5e2f\u5e74\u53ce\u3067\u306f\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u5206\u5e03\u3067\u3057\u305f\u3002$100,000\uff5e$150,000\u304c\u6700\u3082\u591a\u304f\u3001\u6b21\u3044\u3067$50,000\uff5e$100,000\u3067\u3057\u305f\u3002\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u306b\u6700\u9069\u306a\u5e74\u53ce\u3068\u3044\u3046\u306e\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5165\u3063\u3066\u304f\u308b\u304a\u91d1\u304c\u591a\u3044\u306a\u3089\u591a\u3044\u306a\u308a\u306b\u3001\u5c11\u306a\u3044\u306a\u3089\u5c11\u306a\u3044\u306a\u308a\u306b\u30d7\u30e9\u30f3\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u3055\u3089\u306b\u3001\u7d14\u8cc7\u7523\uff08\u8cc7\u7523\u304b\u3089\u8ca0\u50b5\u3092\u3072\u3044\u305f\u3082\u306e\uff09\u306f\u4e0b\u306e\u3088\u3046\u306a\u5206\u5e03\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u7d14\u8cc7\u7523$500,000\u307e\u3067\u304c\u6700\u3082\u591a\u3044\u5c64\u3067\u3057\u305f\u3002\u53ce\u5165\u3068\u540c\u3058\u3067\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u306b\u6700\u9069\u306a\u7d14\u8cc7\u7523\u3068\u3044\u3046\u306e\u3082\u5b58\u5728\u3057\u307e\u305b\u3093\u304c\u3001\u8cc7\u7523\u304c\u591a\u304f\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u3001\u8cc7\u7523\u306e\u7a2e\u985e\u3082\u591a\u304f\u306a\u308a\u3001\u305d\u308c\u3060\u3051\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u8907\u96d1\u306b\u306a\u308b\u3068\u3044\u3046\u50be\u5411\u306f\u3042\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

<\/h2>\n

 <\/p>\n

Smart & Responsible\u306e\u5f97\u610f\u3068\u4e0d\u5f97\u610f<\/h2>\n

 <\/p>\n

\u3053\u308c\u307e\u3067\u6570\u767e\u4eba\u306e\u65b9\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u304a\u624b\u4f1d\u3044\u3092\u3057\u3066\u307e\u3044\u308a\u307e\u3057\u305f\u3002\u500b\u4eba\u3092\u76f8\u624b\u306b\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u3067\u3042\u308a\u3001\u4ee3\u91d1\u306e\u56de\u53ce\u304c\u5927\u5909\u3067\u306f\u306a\u3044\u304b\uff08\u56de\u53ce\u7387\u304c\u4f4e\u3044\u306e\u3067\u306f\u306a\u3044\u304b\uff09\u3068\u5371\u60e7\u3057\u3066\u304f\u308c\u308b\u77e5\u4eba\u3082\u3044\u307e\u3057\u305f\u304c\u3001Smart & Responsible\u306e\u56de\u53ce\u7387\u306f\u30a4\u30f3\u30dc\u30a4\u30b9\u3092\u304a\u51fa\u3057\u3057\u3066\u304b\u30891\u9031\u9593\u4ee5\u5185\u3067\u307b\u307c\uff11\uff10\uff10\uff05\u3067\u3059\u3002\u901a\u5e38\u306f\u3001\u6700\u7d42\u306e\u5206\u6790\u30ec\u30dd\u30fc\u30c8\u3092\u304a\u51fa\u3057\u3057\u3066\u304b\u3089\u3054\u8cea\u554f\u306a\u3069\u3092\u627f\u308a\u3001\u305d\u308c\u304c\u843d\u3061\u7740\u3044\u3066\u304b\u3089\u30a4\u30f3\u30dc\u30a4\u30b9\u3092\u304a\u51fa\u3057\u3057\u307e\u3059\u304c\u3001\u30b5\u30fc\u30d3\u30b9\u306b\u6e80\u8db3\u3044\u305f\u3060\u3044\u3066\u3044\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u305f\u3081\u304b\u3001\u307b\u307c\u5373\u65e5\uff11\uff0c\uff12\u65e5\u4ee5\u5185\u306b\u304a\u652f\u6255\u3044\u3044\u305f\u3060\u3051\u308b\u306e\u304c90\uff05\u4ee5\u4e0a\u3067\u3059\u3002\u8d85\u826f\u597d\u306a\u56de\u53ce\u7387\u306e\u88cf\u306b\u306f\u3001\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u306b\u3064\u3044\u3066\u304a\u5ba2\u69d8\u304b\u3089\u3054\u9023\u7d61\u3044\u305f\u3060\u304f\u6642\u70b9\u3067\u3001\u3059\u3067\u306b\u30d6\u30ed\u30b0\u306a\u3069\u3092\u8aad\u3093\u3067\u3044\u305f\u3060\u3044\u3066\u304a\u308aSmart & Responsible\u306e\u8003\u3048\u65b9\u306a\u3069\u306b\u8cdb\u540c\u3044\u305f\u3060\u3044\u3066\u3044\u308b\u3001\u88cf\u8fd4\u305b\u3070\u7570\u306a\u308b\u3082\u306e\u3092\u6c42\u3081\u3066\u3044\u3089\u3063\u3057\u3083\u308b\u65b9\u306f\u3054\u9023\u7d61\u3092\u3044\u305f\u3060\u304b\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u4eca\u307e\u30671\u4ef6\u3060\u3051\u3001\u3054\u4e0d\u6e80\u304c\u3042\u308a\u304a\u652f\u6255\u3044\u3092\u3044\u305f\u3060\u3051\u306a\u304b\u3063\u305f\u30b1\u30fc\u30b9\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u304a\u5ba2\u69d8\u306f\u305f\u304f\u3055\u3093\u306e\u4e0d\u52d5\u7523\u3092\u304a\u6301\u3061\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306f\u4e0d\u52d5\u7523\u53ce\u5165\u4e2d\u5fc3\u3067\u30fb\u30fb\u3068\u3044\u3046\u65b9\u3067\u3057\u305f\u3002\u53cd\u7701\u3059\u308b\u306b\u3001\u79c1\u306e\u304a\u51fa\u3057\u3057\u305f\u30ec\u30dd\u30fc\u30c8\u306f\u3042\u307e\u308a\u306b\u7c21\u7565\u7684\u3067\u3001\u5168\u304f\u8a73\u7d30\u3092\u6b20\u3044\u3066\u3044\u305f\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u9577\u3044\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u306e\u9593\u306e\u7269\u4ef6\u306e\u8001\u673d\u5316\u3084\u8cb7\u3044\u66ff\u3048\u306a\u3069\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3084\u524d\u63d0\u3065\u304f\u308a\u306a\u3069\u3092\u8e0f\u307e\u3048\u3066\u3001\u4e0d\u52d5\u7523\u53ce\u5165\u306e\u78ba\u5b9f\u6027\u3092\u3069\u3046\u898b\u8fbc\u3080\u304b\u306a\u3069\u306f\u3001\u79c1\u306e\u4e0d\u5f97\u610f\u5206\u91ce\u3067\u3059\u3002\u4e0d\u52d5\u7523\u53ce\u5165\u3092\u5e74\u91d1\u306a\u3069\u3068\u540c\u3058\u3088\u3046\u306b\u5b9a\u671f\u53ce\u5165\u3068\u898b\u8fbc\u3093\u3067\u30e2\u30c7\u30eb\u5316\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u306f\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u4e0d\u52d5\u7523\u53ce\u5165\u304c\u53ce\u5165\u6e90\u306e\u30e1\u30a4\u30f3\u3068\u3044\u3046\u65b9\u306f\u305d\u308c\u305e\u308c\u306e\u30de\u30fc\u30b1\u30c3\u30c8\u306b\u8a73\u3057\u3044\u4e0d\u52d5\u7523\u5c02\u9580\u5bb6\u306b\u3054\u76f8\u8ac7\u3055\u308c\u308b\u306e\u304c\u826f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u4e00\u65b9\u3067\u3001Smart & Responsible\u306e\u5f97\u610f\u3068\u3059\u308b\u5206\u91ce\u306f\u3001\u4eca\u307e\u3067\u66f8\u3044\u3066\u304d\u305f\u5305\u62ec\u7684\u306a\u30d1\u30fc\u30bd\u30ca\u30eb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u8981\u7d20\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u308a\u3064\u3064\u3001\u9577\u671f\u6295\u8cc7\u306b\u304a\u3044\u3066\u306f\u4f4e\u624b\u6570\u6599\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u57fa\u672c\u306b\u3001\u6295\u8cc7\u671f\u9593\u3068\u30ea\u30b9\u30af\u8a31\u5bb9\u91cf\u3092\u8e0f\u307e\u3048\u306a\u304c\u3089\u9ad8\u304f\u30ea\u30b9\u30af\u5206\u6563\u3057\u305f\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3067\u904b\u7528\u3057\u3064\u3064\u5099\u3048\u308b\u3068\u3044\u3046\u65b9\u6cd5\u3067\u3059\u3002\u7279\u5b9a\u306e\u500b\u5225\u682a\u3084\u30db\u30c3\u30c8\u3067\u65ec\u306a\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u304a\u52e7\u3081\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u77ed\u671f\u7684\u8996\u91ce\u306b\u306f\u7acb\u305f\u305a\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u305f\u9577\u671f\u30d1\u30c3\u30b7\u30d6\u6295\u8cc7\uff08\u58f2\u308a\u8cb7\u3044\u3092\u7e70\u308a\u8fd4\u3055\u306a\u3044\u6295\u8cc7\uff09\u3092\u57fa\u672c\u306b\u8003\u3048\u307e\u3059\u3002<\/p>\n

\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u305f\u9577\u671f\u30d1\u30c3\u30b7\u30d6\u6295\u8cc7\u306b\u3064\u3044\u3066\u306f\u3001\u3053\u3061\u3089\u306e\u7279\u96c6\u30b7\u30ea\u30fc\u30ba\u306e\u3001\u300c\u308f\u304b\u308b\u9577\u671f\u6295\u8cc7\u7279\u96c6\u300d\u3068\u300c\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u6295\u8cc7\u3092\u308f\u304b\u308b\u7279\u96c6\u300d<\/a>\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002<\/p>\n

Smart & Responsible\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u306f\u3001\u7279\u306b\u6295\u8cc7\u306b\u8208\u5473\u304c\u3042\u308a\u6642\u9593\u3068\u52b4\u529b\u3092\u5272\u3044\u3066\u304c\u3093\u3070\u308a\u305f\u3044\u30fb\u30fb\u3068\u3044\u3046\u65b9\u3067\u306a\u3044\u65b9<\/u>\u5411\u304d\u3067\u3059\u3002\u3001\u4e00\u822c\u306b\u591a\u304f\u306e\u65b9\u306f\u3001\u4e0d\u52d5\u7523\u3084\u7279\u5b9a\u682a\u306e\u3088\u3046\u306b\u6295\u8cc7\u8cc7\u7523\u3092\u4e00\u6975\u96c6\u4e2d\u3059\u308b\u3053\u3068\u3067\u5f97\u3089\u308c\u308b\u30cf\u30a4\u30ea\u30b9\u30af\u30fb\u30cf\u30a4\u30ea\u30bf\u30fc\u30f3\u72d9\u3044\u3067\u306f\u306a\u304f<\/u>\u3001\u5e83\u304f\u6295\u8cc7\u3092\u5206\u6563\u3055\u305b\u308b\u3053\u3068\u3067\u30ea\u30b9\u30af\u3092\u6291\u3048\u3064\u3064\u3082\u3001\u30b4\u30fc\u30eb\u9054\u6210\u304c\u3067\u304d\u308b\u3060\u3051\u306e\u3061\u3087\u3046\u3069\u3088\u3044\u30ea\u30b9\u30af\u3092\u3068\u308a\u3001\u9577\u671f\u7684\u306b\u4f4e\u624b\u6570\u6599\u904b\u7528\u3057\u3066\u3044\u304f\u306e\u304c\u3001\u4e00\u756a\u7c21\u5358\u3067\u52b9\u7387\u7684\u3067\u3042\u308b\u3068\u3044\u3046\u4fe1\u5ff5\u306b\u57fa\u3065\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

Best\u306a\u4f7f\u3044\u304b\u305f<\/h2>\n

\u3053\u308c\u307e\u3067Smart & Responsible\u3092\u4f7f\u3063\u3066\u3044\u305f\u3060\u3044\u305f\u30b1\u30fc\u30b9\u3092\u632f\u308a\u8fd4\u308b\u306b\u3001\u304a\u5ba2\u69d8\u306e\u30bf\u30a4\u30d7\u3067\u3044\u304f\u3064\u304b\u306e\u30d1\u30bf\u30fc\u30f3\u306b\u5206\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

Starting\uff06Growing\u3000\uff0820\u4ee3\u304b\u308940\u4ee3\uff09\u3000\uff1a<\/h3>\n

\u30ad\u30e3\u30ea\u30a2\u304c\u8ecc\u9053\u306b\u306e\u308a\u305d\u308d\u305d\u308d\u5c06\u6765\u3092\u898b\u636e\u3048\u304a\u91d1\u306e\u4f7f\u3044\u65b9\u3092\u691c\u8a0e\u3057\u305f\u3044\u3001\u7d50\u5a5a\u3001\u51fa\u7523\u3092\u6a5f\u306b\u3001\u65b0\u3057\u304f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u3092\u4f5c\u308a\u305f\u3044\u3001\u5b50\u3069\u3082\u304c\u5927\u304d\u304f\u306a\u308b\u306b\u3064\u308c\u5b66\u8cc7\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u8996\u91ce\u306b\u5165\u308c\u3064\u3064\u30d0\u30e9\u30f3\u30b9\u306e\u53d6\u308c\u305f\u30d0\u30b8\u30a7\u30c3\u30c8\u3092\u69cb\u7bc9\u3057\u305f\u3044\u3001\u8ca0\u50b5\u306e\u8fd4\u6e08\u8a08\u753b\u3092\u4f5c\u308a\u305f\u3044\u3001\u4ed6\u306e\u30cb\u30fc\u30ba\u3068\u306e\u6574\u5408\u6027\u3092\u3068\u308a\u306a\u304c\u3089\u5bb6\u306e\u8cfc\u5165\u3092\u3059\u3079\u304d\u304b\u3069\u3046\u304b\u3001\u3044\u304f\u3089\u307e\u3067\u5927\u4e08\u592b\u304b\u306a\u3069\u3092\u77e5\u308a\u305f\u3044\u306a\u3069\u306f\u3001\u4eca\u304b\u3089\u5bb6\u8a08\u3092\u5efa\u3066\u4e0a\u3052\u3001\u307e\u305f\u529b\u5f37\u304f\u8caf\u3081\u3066\u3044\u304f\u30d5\u30a7\u30fc\u30ba\u3067\u5bfe\u5fdc\u304c\u5fc5\u8981\u306a\u554f\u984c\u3067\u3059\u3002\u8a08\u753b\u7684\u306a\u6e96\u5099\u304c\u5fc5\u8981\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u307e\u3060\u304a\u5b50\u3055\u3093\u306e\u884c\u304f\u5927\u5b66\u3082\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u3082\u3042\u307e\u308a\u5177\u4f53\u7684\u306b\u306f\u60f3\u50cf\u3067\u304d\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u305d\u308c\u3067\u3082\u9577\u671f\u7684\u306a\u8caf\u84c4\u30fb\u6295\u8cc7\u306f\u5fc5\u8981\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u5834\u5408\u306b\u306f\u3001\u5927\u304d\u306a\u67a0\u3067\u9577\u671f\u7684\u30b4\u30fc\u30eb\u8a2d\u5b9a\u3092\u7d5e\u308a\u3059\u304e\u306a\u3044\u7a0b\u5ea6\u306b\u7de9\u3084\u304b\u306b\u884c\u3044\u3064\u3064\u3001\u73fe\u5728\u624b\u5143\u306b\u3042\u308b\u73fe\u91d1\u306e\u4f7f\u3044\u65b9\u306e\u6700\u9069\u5316\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u3092\u7f6e\u3044\u305f\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3092\u304a\u4f7f\u3044\u3044\u305f\u3060\u304f\u306e\u304c\u826f\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u8077\u5834\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u5229\u7528\u3092\u6700\u9069\u5316\u3057\u305f\u308a\u3001401(k)\u306a\u3069\u306e\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u898b\u76f4\u3057\u3082\u884c\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u4e07\u304c\u4e00\u306e\u5834\u5408\u306b\u5099\u3048\u308b\u4fdd\u967a\u306e\u30c1\u30a7\u30c3\u30af\u3082\u6b20\u304b\u305b\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

Goals in view (40\u4ee3\u304b\u308960\u4ee3)\u3000\uff1a<\/h3>\n

\u3060\u3093\u3060\u3093\u3068\u9577\u671f\u7684\u30b4\u30fc\u30eb\u304c\u53ef\u8996\u5316\u3057\u3066\u304f\u308b\u30d5\u30a7\u30fc\u30ba\u3067\u3059\u3002\u304a\u5b50\u3055\u3093\u306e\u5927\u5b66\u306b\u3069\u306e\u304f\u3089\u3044\u306e\u30b3\u30b9\u30c8\u3092\u898b\u8fbc\u3081\u3070\u3088\u3044\u304b\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u751f\u6d3b\u304c\u3057\u305f\u3044\u304b\u304c\u5c11\u3057\u3065\u3064\u660e\u78ba\u306b\u306a\u3063\u3066\u304d\u307e\u3059\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3084\u305d\u306e\u4ed6\u306e\u5e74\u91d1\u306a\u3069\u3082\u53d7\u7d66\u984d\u306e\u76ee\u9014\u304c\u7acb\u3063\u3066\u304d\u307e\u3059\u306e\u3067\u3001\u305d\u306e\u53d7\u7d66\u958b\u59cb\u6642\u671f\u306e\u6700\u9069\u5316\u3082\u884c\u3044\u307e\u3059\u3002\u3053\u306e\u30d5\u30a7\u30fc\u30ba\u3067\u306f\u3001\u5177\u4f53\u7684\u306a\u30b4\u30fc\u30eb\u3092\u660e\u78ba\u5316\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u4e0d\u5b89\u306b\u601d\u3063\u3066\u3044\u308b\u3053\u3068\u306a\u3069\u3082\u6d17\u3044\u51fa\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u30b4\u30fc\u30eb\u306f\u3001Need\uff08\u7d76\u5bfe\u5fc5\u8981\u306a\u30ec\u30d9\u30eb\uff09\u3001Want\uff08\u306a\u308b\u3079\u304f\u5b9f\u73fe\u3057\u305f\u3044\u30ec\u30d9\u30eb\uff09\u3001Wish\uff08\u3067\u304d\u308c\u3070\u5b9f\u73fe\u3059\u308b\u3068\u3046\u308c\u3057\u3044\u30ec\u30d9\u30eb\uff09\u306b\u5206\u3051\u3066\u8003\u3048\u3001\u4e0d\u5b89\u6750\u6599\u306a\u3069\u3068\u5408\u308f\u305b\u3001\u305d\u308c\u305e\u308c\u306e\u5b9f\u73fe\u53ef\u80fd\u6027\u3092\u5272\u308a\u51fa\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u5b9f\u73fe\u53ef\u80fd\u6027\u304c\u4f4e\u3044\u5834\u5408\u306b\u306f\u3001\u3069\u306e\u3088\u3046\u306a\u8981\u7d20\u3092\u3069\u3046\u5909\u66f4\u3059\u308c\u3070\u5b9f\u73fe\u53ef\u80fd\u6027\u304c\u4e0a\u304c\u308b\u304b\u306b\u3064\u3044\u3066\u30b7\u30ca\u30ea\u30aa\u5224\u65ad\u3057\u307e\u3059\u3002\u30b7\u30ca\u30ea\u30aa\u5224\u65ad\u306e\u7d50\u679c\u3092\u6301\u3063\u3066\u3001\u5fc5\u8981\u306a\u8ecc\u9053\u5909\u66f4\u306a\u3069\u3092\u884c\u3044\u3001\u30b4\u30fc\u30eb\u5b9f\u73fe\u3078\u306e\u9053\u3092\u53ef\u8996\u5316\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

Near or In Retirement\u3000\uff0860\u4ee3\u304b\u308970\u4ee3\uff09\uff1a<\/h3>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u76ee\u524d\u306b\u63a7\u3048\u3066\u3044\u308b\u30d5\u30a7\u30fc\u30ba\u3067\u3059\u3002\u4eca\u307e\u3067\u84c4\u3048\u3066\u304d\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u7523\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u305d\u306e\u4ed6\u306e\u5e74\u91d1\u306a\u3069\u3092\u5408\u308f\u305b\u3066\u8003\u616e\u3057\u3001\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u6642\u671f\u306e\u5224\u65ad\u3084\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u7523\u304c\u67af\u6e07\u3057\u306a\u3044\u3088\u3046\u306a\u304a\u91d1\u306e\u5f15\u304d\u51fa\u3057\u65b9\u3001\u7bc0\u7a0e\u3092\u8996\u91ce\u306b\u5165\u308c\u305f401(k)\u306a\u3069\u306eRoth\u3000IRA\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3084\u3001\u56fa\u5b9a\u53ce\u5165\u78ba\u4fdd\u306e\u305f\u3081\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u306a\u3069\u3092\u7dcf\u5408\u7684\u306b\u898b\u3066\u3044\u304d\u307e\u3059\u3002\u307e\u305f\u3001\u3053\u308c\u307e\u3067\u8caf\u3081\u3066\u304d\u305f\u69d8\u3005\u306a\u6295\u8cc7\u53e3\u5ea7\u3092\u6574\u7406\u3057\u3066\u3001\u7ba1\u7406\u3092\u7c21\u7565\u5316\u3057\u3001\u30b9\u30e0\u30fc\u30ba\u306a\u304a\u91d1\u306e\u5f15\u304d\u51fa\u3057\u3092\u5b9f\u73fe\u3059\u308b\u3053\u3068\u3082\u8003\u616e\u3057\u307e\u3059\u3002\u3053\u306e\u6642\u671f\u3067\u3082\u3001Need\uff08\u7d76\u5bfe\u5fc5\u8981\u306a\u30ec\u30d9\u30eb\uff09\u3001Want\uff08\u306a\u308b\u3079\u304f\u5b9f\u73fe\u3057\u305f\u3044\u30ec\u30d9\u30eb\uff09\u3001Wish\uff08\u3067\u304d\u308c\u3070\u5b9f\u73fe\u3059\u308b\u3068\u3046\u308c\u3057\u3044\u30ec\u30d9\u30eb\uff09\u3068\u3068\u3082\u306b\u3001\u4e0d\u5b89\u6750\u6599\u3092\u6d17\u3044\u51fa\u3057\u3066\u3044\u3063\u3066\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u7523\u306e\u67af\u6e07\u3092\u9632\u3050\u5b9f\u884c\u53ef\u80fd\u6027\u3092\u4e0a\u3052\u308b\u305f\u3081\u306e\u30b7\u30ca\u30ea\u30aa\u3065\u304f\u308a\u3092\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

\u4ee5\u4e0a\u306f\u3059\u3079\u3066Holistic\uff08\u5305\u62ec\u7684\u306a\uff09\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002\u30d5\u30a7\u30fc\u30ba\u306e\u9055\u3044\u3067\u8003\u616e\u3059\u308b\u8981\u7d20\u306b\u5909\u5316\u306f\u3042\u308b\u3082\u306e\u306e\u3001\u304a\u5ba2\u69d8\u306e\u30d1\u30fc\u30bd\u30ca\u30eb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306b\u95a2\u308f\u308b\u3059\u3079\u3066\u306e\u30a8\u30ea\u30a2\u3092\u8003\u3048\u4f75\u305b\u307e\u3059\u3002<\/p>\n

\u307e\u3060\u3001\u3069\u306e\u30d5\u30a7\u30fc\u30ba\u306b\u3042\u3063\u3066\u3082\u3001\u304a\u5ba2\u69d8\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u77e5\u8b58\u306e\u5411\u4e0a\u3082\u304a\u624b\u4f1d\u3044\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u307e\u3059\u3002\u65e5\u3054\u308d\u304b\u3089\u7591\u554f\u306b\u601d\u3063\u3066\u3044\u308b\u3053\u3068\u3001\u4eca\u4e00\u5ea6\u3088\u304f\u7406\u89e3\u3067\u304d\u306a\u3044\u3053\u3068\u306a\u3069\u3082\u540c\u6642\u306b\u78ba\u8a8d\u3059\u308b\u6a5f\u4f1a\u3092\u63d0\u4f9b\u3044\u305f\u3057\u307e\u3059\u3002\u4f53\u7cfb\u7684\u306b\u5b66\u3073\u305f\u3044\u3068\u3044\u3046\u65b9\u306b\u306f\u3001\u304a\u8aad\u307f\u3044\u305f\u3060\u304f\u3068\u3088\u3044\u30d6\u30ed\u30b0\u8a18\u4e8b\u3092\u304a\u52e7\u3081\u3057\u306a\u304c\u3089\u3001\u5168\u4f53\u7684\u306b\u7406\u89e3\u3059\u308b\u305f\u3081\u306e\u304a\u624b\u4f1d\u3044\u3092\u3057\u307e\u3059\u3002<\/p>\n

\u4e00\u5ea6Holistic\uff08\u5305\u62ec\u7684\u306a\uff09\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30b5\u30fc\u30d3\u30b9\u3092\u304a\u4f7f\u3044\u3044\u305f\u3060\u3044\u305f\u5f8c\u306f\u3001\u8ee2\u8077\u3057\u305f\u3001\u304a\u5b50\u3055\u3093\u304c\u751f\u307e\u308c\u305f\u3001\u5f15\u3063\u8d8a\u3057\u305f\u306a\u3069\u5bb6\u8a08\u3067\u5927\u304d\u306a\u5909\u5316\u304c\u3042\u3063\u305f\u5834\u5408\u3084\u3001\u305d\u3046\u3067\u306a\u304f\u3068\u3082\uff13\uff5e5\u5e74\u306b\u4e00\u5ea6\u3001\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u30c1\u30a7\u30c3\u30af\u3068\u3057\u3066\u3001\u7acb\u3066\u305f\u30d7\u30e9\u30f3\u306e\u9032\u884c\u5ea6\u3084\u65b9\u5411\u6027\u30c1\u30a7\u30c3\u30af\u306a\u3069\u3092\u3059\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

2019\u5e74\u79cb\u304b\u3089\u65b0\u305f\u306a\u30b5\u30fc\u30d3\u30b9\u4f53\u5236\u306b\u3066\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u63d0\u4f9b\u3055\u305b\u3066\u3044\u305f\u3060\u304f\u3079\u304f\u3001\u305f\u3060\u3044\u307e\u6e96\u5099\u4e2d\u3067\u3059\u3002\u305d\u306e\u6e96\u5099\u3068\u3057\u3066\u79c1\u81ea\u8eab\u304c\u982d\u3092\u6574\u7406\u3059\u308b\u305f\u3081\u306b\u3082\u3001\u307e\u305f\u3053\u308c\u304b\u3089\u30b5\u30fc\u30d3\u30b9\u3092\u3054\u5229\u7528\u3044\u305f\u3060\u304f\u65b9\u3005\u306bSmart & Responsible\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u3064\u3044\u3066\u7406\u89e3\u3044\u305f\u3060\u304d\u3001\u30b5\u30fc\u30d3\u30b9\u5229\u7528\u306b\u3042\u305f\u3063\u3066\u3054\u6e80\u8db3\u306e\u3044\u304f\u6c7a\u65ad\u3092\u3044\u305f\u3060\u304f\u305f\u3081\u306b\u3082\u3001Smart & Responsible\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u3044\u3063\u305f\u3044\u3069\u3093\u306a\u3082\u306e\u3067\u3001\u3069\u306e\u3088\u3046\u306a\u4fa1\u5024\u3092\u63d0\u4f9b\u3067\u304d\u3001\u307e\u305f\u540c\u6642\u306b\u3069\u306e\u3088\u3046\u306a\u671f\u5f85\u306b\u306f\u305d\u3048\u306a\u3044\u3082\u306e\u306a\u306e\u304b\u307e\u3067\u3092\u307e\u3068\u3081\u3066\u3044\u307e\u3059\u3002   \u4eca\u307e\u3067\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u4f7f\u3063\u3066\u3044\u305f\u3060\u3044\u305f\u65b9\u3005\u306f\u3069\u3093\u306a\u4eba\uff1f Smart & R …<\/p>\n","protected":false},"author":1,"featured_media":4755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[41],"tags":[47,56,75,45,58],"class_list":["post-4776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-when-off-the-target","tag-retire","tag-protect-your-family","tag-investment","tag-fighting-as-consumer","tag-smart-shopping"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/06\/pexels-photo-358457.jpeg?fit=500%2C750&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1f2","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=4776"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4776\/revisions"}],"predecessor-version":[{"id":4779,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4776\/revisions\/4779"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4755"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}