{"id":392,"date":"2025-09-04T12:47:30","date_gmt":"2025-09-04T10:47:30","guid":{"rendered":"https:\/\/financialplanning.adrirodrigom3.es\/?page_id=392"},"modified":"2025-12-31T18:29:19","modified_gmt":"2025-12-31T17:29:19","slug":"planificacion-financiera","status":"publish","type":"page","link":"https:\/\/financialplanning.adrirodrigom3.es\/en\/planificacion-financiera\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"392\" class=\"elementor elementor-392\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c7c367 e-con-full e-flex e-con e-parent\" data-id=\"3c7c367\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f247b73 e-flex e-con-boxed e-con e-parent\" data-id=\"f247b73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aa9b918 e-con-full e-flex e-con e-child\" data-id=\"aa9b918\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-778d6df elementor-widget elementor-widget-heading\" data-id=\"778d6df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Por que dedicar tiempo y recursos a la planificacion financiera<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c85891 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7c85891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nos obliga a pensar qu\u00e9 hacer con el dinero. Evita que el dinero trabaje para objetivos de terceros y consigue que se gestione orient\u00e1ndonos hacia los objetivos vitales.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Evita improvisar. Menos posibilidades de equivocarnos. Ayuda a conocernos e identificar las necesidades presentes y futuras, a maximizar el ahorro y a endeudarnos con responsabilidad y de forma eficiente.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Evita el sobrendeudamiento. No se necesitan pr\u00e9stamos personales ni utilizar pagos aplazados con tarjetas de cr\u00e9dito o revolving.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hace crecer nuestro patrimonio a largo plazo. Dedicar tiempo a la planificaci\u00f3n hace crecer el patrimonio personal una media del 20% a\u00f1o*.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reduce la probabilidad de conflictos en la familia. Afecta a las decisiones de gasto y ahorro, afrontar momentos de crisis, nivel de ingresos en la jubilaci\u00f3n y la organizaci\u00f3n de la sucesi\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Trasciende los contenidos financieros. Afecta a la calidad de vida de la familia, la relaciones, e incluso a la salud.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Es una herramienta poderosa contra los sesgos de impaciencia, retribuci\u00f3n inmediata, y falta de autocontrol.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e7817d e-con-full e-flex e-con e-child\" data-id=\"9e7817d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2731c7f elementor-hidden-desktop elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"2731c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"premium-dual-header-first-span\" style=\"margin: 0px auto;, sans-serif;font-size: 40px;text-align: center;text-transform: none\">\u00bfQU\u00c9 ES&nbsp;<\/span><span class=\"premium-dual-header-second-header \" style=\"margin: 0px;position: relative;padding: 0px;, sans-serif;font-size: 40px;text-align: center;text-transform: none\">PLANIFICACI\u00d3N FINANCIERA PERSONAL?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd8ea40 e-con-full e-flex e-con e-parent\" data-id=\"bd8ea40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d25cb4f e-flex e-con-boxed e-con e-child\" data-id=\"d25cb4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f5b808 e-flex e-con-boxed e-con e-child\" data-id=\"3f5b808\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7811e1 e-flex e-con-boxed e-con e-child\" data-id=\"c7811e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9a272f elementor-hidden-tablet elementor-widget elementor-widget-heading\" data-id=\"d9a272f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que es Planificaci\u00f3n Financiera?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3c56f5 elementor-widget elementor-widget-text-editor\" data-id=\"e3c56f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0707a0 elementor-widget elementor-widget-text-editor\" data-id=\"e0707a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><b>Definici\u00f3n:<\/b>&nbsp;es un proceso estandarizado dise\u00f1ado para permitir al consumidor alcanzar sus objetivos vitales en todo el ciclo de vida (apartado 3.14 norma ISO 22.222). Este proceso garantiza una estructura clara y efectiva para la toma de decisiones financieras.&nbsp;<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf13d7 elementor-widget elementor-widget-heading\" data-id=\"4cf13d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Es muy importante entender los dos conceptos siguientes:\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d412ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0d412ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Proceso estandarizado significa que cumple con una norma t\u00e9cnica de calidad*, en este caso la ISO 22.222 de planificaci\u00f3n financiera personal.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Alcanzar los objetivos vitales en todo el ciclo de vida significa programar y anticipar los acontecimientos de la vida presentes y futuros, y estar preparado para los imprevistos. Esto te permitir\u00e1 llegar a la jubilaci\u00f3n y m\u00e1s all\u00e1 con la seguridad de no tener que cambiar tu nivel vida ni recurrir a terceros como el Estado o los hijos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5063afb elementor-widget elementor-widget-text-editor\" data-id=\"5063afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La planificaci\u00f3n financiera personal se realiza por pasos, adentr\u00e1ndonos en diferentes \u00e1reas de actuaci\u00f3n; se explica todo en detalle m\u00e1s adelante en el apartado del c\u00f3mo se presta el servicio.<\/p><p>* Conforme a lo establecido en el art\u00edculo 8 de la ley 21\/1992, una norma t\u00e9cnica de calidad es un documento de aplicaci\u00f3n voluntaria que contiene especificaciones t\u00e9cnicas basadas en los resultados de la experiencia y del desarrollo tecnol\u00f3gico. \u2026 y deben ser aprobadas por un organismo de normalizaci\u00f3n reconocido.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d1a910 e-con-full e-flex e-con e-parent\" data-id=\"5d1a910\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5754552 elementor-widget elementor-widget-heading\" data-id=\"5754552\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo esta preparado el servicio?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46b58c5 e-con-full e-flex elementor-invisible e-con e-parent\" data-id=\"46b58c5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3f5036a e-flex e-con-boxed e-con e-child\" data-id=\"3f5036a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-90a755d e-flex e-con-boxed e-con e-child\" data-id=\"90a755d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fc3658 e-flex e-con-boxed e-con e-child\" data-id=\"6fc3658\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d21722 elementor-widget elementor-widget-text-editor\" data-id=\"6d21722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De acuerdo con la Norma T\u00e9cnica de Calidad ISO 22.222, la planificaci\u00f3n financiera personal se desarrolla en seis pasos clave, que se ven revisando y adaptando a lo largo de la relaci\u00f3n entre el cliente y el planificador.\u00a0<\/p><p>Este enfoque no se limita a una lista de acciones, es un proceso integral que conecta todas las \u00e1reas de la vida financiera de la persona. Desde la elaboraci\u00f3n del presupuesto, la gesti\u00f3n del endeudamiento y la inversi\u00f3n, cada paso est\u00e1 dise\u00f1ado para que el cliente pueda organizar sus finanzas de manera equilibrada y orientada a sus objetivos vitales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67e5e48 e-con-full e-flex e-con e-parent\" data-id=\"67e5e48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d3af71d e-flex e-con-boxed e-con e-child\" data-id=\"d3af71d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47496be e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"47496be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3999a95 e-con-full e-flex e-con e-child\" data-id=\"3999a95\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bfde3e elementor-widget elementor-widget-heading\" data-id=\"8bfde3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 1: ESTABLECER LA RELACI\u00d3N PROFESIONAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4b9f9 elementor-widget elementor-widget-heading\" data-id=\"8c4b9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Al comienzo del servicio, proporcionamos al cliente por escrito un documento que incluye los siguientes apartados:\n\n\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb84a0f elementor-widget elementor-widget-text-editor\" data-id=\"cb84a0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0707a0 elementor-widget elementor-widget-text-editor\" data-id=\"e0707a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><b>Definici\u00f3n:<\/b>&nbsp;es un proceso estandarizado dise\u00f1ado para permitir al consumidor alcanzar sus objetivos vitales en todo el ciclo de vida (apartado 3.14 norma ISO 22.222). Este proceso garantiza una estructura clara y efectiva para la toma de decisiones financieras.&nbsp;<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0ce8b4 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e0ce8b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">El alcance del servicio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Las cualificaciones profesionales y experiencias del profesional que prestar\u00e1 el servicio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">El m\u00e9todo de trabajo para demostrar su conformidad con la norma t\u00e9cnica de calidad.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La base de la remuneraci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cualquier conflicto de inter\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Los plazos de ejecuci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La duraci\u00f3n del contrato.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La frecuencia de los contactos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Las disposiciones de confidencialidad y protecci\u00f3n de datos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c9f39 elementor-widget elementor-widget-text-editor\" data-id=\"a1c9f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La planificaci\u00f3n financiera personal se realiza por pasos, adentr\u00e1ndonos en diferentes \u00e1reas de actuaci\u00f3n; se explica todo en detalle m\u00e1s adelante en el apartado del c\u00f3mo se presta el servicio.<\/p><p>* Conforme a lo establecido en el art\u00edculo 8 de la ley 21\/1992, una norma t\u00e9cnica de calidad es un documento de aplicaci\u00f3n voluntaria que contiene especificaciones t\u00e9cnicas basadas en los resultados de la experiencia y del desarrollo tecnol\u00f3gico. \u2026 y deben ser aprobadas por un organismo de normalizaci\u00f3n reconocido.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5addf88 e-con-full e-flex e-con e-parent\" data-id=\"5addf88\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d3ba1cd e-flex e-con-boxed e-con e-child\" data-id=\"d3ba1cd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-74b5c5f e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"74b5c5f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce004ed e-con-full e-flex e-con e-child\" data-id=\"ce004ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cadeaee elementor-widget elementor-widget-heading\" data-id=\"cadeaee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 2: LOS OBJETIVOS VITALES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48badfb elementor-widget elementor-widget-text-editor\" data-id=\"48badfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Durante el proceso de planificaci\u00f3n financiera, el planificador realizar\u00e1 uno o varios encuentros personales con el cliente con el fin de determinar y comprender sus objetivos vitales, tanto a corto plazo como a largo plazo. Estos encuentros son fundamentales para establecer una comunicaci\u00f3n directa y cercana, lo que permite al planificador obtener informaci\u00f3n detallada sobre las metas financieras y personales del cliente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50cf068 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"50cf068\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong> Objetivos vitales<\/strong>: son aquellas actividades o necesidades que el cliente va a satisfacer el a\u00f1o actual (hasta final del a\u00f1o natural).  <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Objetivos vitales futuros<\/strong>: son aquellas necesidades que el cliente quiere o tiene que atender en el futuro.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4ca6d6 e-con-full e-flex e-con e-parent\" data-id=\"d4ca6d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ff247e5 e-flex e-con-boxed e-con e-child\" data-id=\"ff247e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6682b69 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6682b69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d35ae66 elementor-widget elementor-widget-image\" data-id=\"d35ae66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"584\" height=\"474\" src=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos2.png\" class=\"attachment-large size-large wp-image-667\" alt=\"\" srcset=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos2.png 584w, https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos2-300x243.png 300w\" sizes=\"(max-width: 584px) 100vw, 584px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2204739 elementor-widget elementor-widget-image\" data-id=\"2204739\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"459\" src=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos-1024x588.png\" class=\"attachment-large size-large wp-image-668\" alt=\"\" srcset=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos-1024x588.png 1024w, https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos-300x172.png 300w, https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos-768x441.png 768w, https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/panificacion-financiera-recursos.png 1253w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95178a1 e-con-full e-flex e-con e-child\" data-id=\"95178a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5378514 elementor-widget elementor-widget-heading\" data-id=\"5378514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 3: LOS RECURSOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-829bf68 elementor-widget elementor-widget-text-editor\" data-id=\"829bf68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0707a0 elementor-widget elementor-widget-text-editor\" data-id=\"e0707a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>El planificador deber\u00e1 realizar y proporcionar al cliente, de manera clara y razonable, una evaluaci\u00f3n del estado del cliente desde un punto de vista financiero y econ\u00f3mico. Esta evaluaci\u00f3n se realizar\u00e1 utilizando como herramientas el balance y la cuenta de resultados previsional.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74566d4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"74566d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Balance<\/strong>: recoge y organiza todos los activos y pasivos actuales del cliente y su familia. Con esta informaci\u00f3n, obtendr\u00e1s una visi\u00f3n completa de la situaci\u00f3n patrimonio del cliente en la actualidad y podr\u00e1s entender su verdadera posici\u00f3n financiera.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Cuenta de resultados previsional<\/strong>: proyecta los ingresos y gastos futuros de la familia. Permite determinar el nivel de ahorro deseado para alcanzar los objetivos financieros establecidos y evaluar la viabilidad de los planes financieros propuestos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef5e65b e-con-full e-flex e-con e-parent\" data-id=\"ef5e65b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8218d7 elementor-widget elementor-widget-heading\" data-id=\"b8218d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 4: ESTRATEGIAS Y PRESENTACI\u00d3N DEL PLAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cc2e50 e-con-full e-flex e-con e-parent\" data-id=\"7cc2e50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a4db8bf e-con-full e-flex e-con e-child\" data-id=\"a4db8bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bd7dfe elementor-widget elementor-widget-text-editor\" data-id=\"7bd7dfe\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"pesta\u00f1a-uno\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Llega el momento de definir las estrategias financieras por cada \u00e1rea clave: desde organizar el presupuesto y proteger los activos y la familia con seguros adecuados, hasta planificar la jubilaci\u00f3n o dise\u00f1ar un plan de inversi\u00f3n.<\/p><p>Todas estas recomendaciones se recogen en un Informe del Plan Financiero Personal, un documento fundamental que ofrece una visi\u00f3n completa y personalizada del camino a seguir. Antes de su entrega, el informe se revisa a fondo y se valida con el cliente para asegurar su precisi\u00f3n y claridad.<\/p><p>El planificador acompa\u00f1a en todo momento, resolviendo dudas y explicando cada estrategia, para que el cliente comprenda el plan y pueda implementarlo con confianza y compromiso.<\/p><p>El Informe del Plan Financiero Personal es un documento escrito, personalizado y adaptado a las necesidades y metas cada cliente. Resume las estrategias en cada \u00e1rea de actuaci\u00f3n y sirve como gu\u00eda pr\u00e1ctica para implementar el plan de manera efectiva con los intermediarios financieros que el cliente elija.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5aee935 e-con-full e-flex e-con e-parent\" data-id=\"5aee935\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1db0b1c e-con-full e-flex e-con e-child\" data-id=\"1db0b1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee760e2 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"ee760e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"250044642\" aria-label=\"Pesta\u00f1as. Abre elementos con Intro o Espacio, ci\u00e9rralos con Escape y navega con las fechas.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2500446421\" data-tab-title-id=\"e-n-tab-title-2500446421\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2500446421\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c1rea de Budgeting\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2500446422\" data-tab-title-id=\"e-n-tab-title-2500446422\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2500446422\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c1rea de JUBILACI\u00d3N\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2500446423\" data-tab-title-id=\"e-n-tab-title-2500446423\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2500446423\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c1rea de PROTECCI\u00d3N\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2500446424\" data-tab-title-id=\"e-n-tab-title-2500446424\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2500446424\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c1rea de INVERSI\u00d3N\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2500446425\" data-tab-title-id=\"e-n-tab-title-2500446425\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2500446425\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t\u00c1rea de ENDEUDAMIENTO\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2500446421\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2500446421\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-2a3f834 e-con-full e-flex e-con e-child\" data-id=\"2a3f834\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-225440f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"225440f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pasos a seguir:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Maximizaci\u00f3n del ahorro.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estabilizaci\u00f3n econ\u00f3mica.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fijar el fondo de estabilidad o emergencia.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2500446422\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2500446422\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-2559657 e-con-full e-flex e-con e-child\" data-id=\"2559657\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea25297 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ea25297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pasos a seguir:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fijar el objetivo de ingresos durante la jubilaci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Identificar los recursos existentes (p\u00fablicos y privados).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Determinar la necesidad.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Elaborar las estrategias con tipolog\u00eda de productos complementarios (PP), Fondos de inversi\u00f3n y privados (PIAS, planes de jubilaci\u00f3n, rentas de alquiler, otras rentas).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2500446423\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2500446423\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-1923649 e-con-full e-flex e-con e-child\" data-id=\"1923649\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8865a6c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8865a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pasos a seguir:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Decidir qu\u00e9 patrimonio y qu\u00e9 personas de la familia tienen que ser cubiertas, y qu\u00e9 coberturas (fallecimiento y\/o invalidez) para cada persona.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Identificar los recursos existentes (p\u00fablicos y privados) para cada contingencia.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Determinar la necesidad de cobertura privada.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Elaborar las estrategias con recursos propios o externos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2500446424\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2500446424\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-ff9207b e-con-full e-flex e-con e-child\" data-id=\"ff9207b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8732c85 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8732c85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pasos a seguir:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">En primer lugar, determinar el fondo de liquidez y el fondo de reserva.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Despu\u00e9s con los activos financieros disponibles y el ahorro disponible fijar la estrategia de inversi\u00f3n eficiente, eficaz y coherente con los objetivos vitales y con la actitud al riesgo del cliente.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2500446425\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2500446425\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-9d7d42f e-con-full e-flex e-con e-child\" data-id=\"9d7d42f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf89f3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7cf89f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pasos a seguir:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fijar el objetivo de endeudamiento.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fijar el objetivo de endeudamiento.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02b7ecc elementor-invisible elementor-widget elementor-widget-gallery\" data-id=\"02b7ecc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;gallery_layout&quot;:&quot;masonry&quot;,&quot;columns&quot;:5,&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;lazyload&quot;:&quot;yes&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;link_to&quot;:&quot;file&quot;,&quot;overlay_background&quot;:&quot;yes&quot;,&quot;content_hover_animation&quot;:&quot;fade-in&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-gallery__container\">\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/1-Plan-financiero-personal.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"02b7ecc\" data-elementor-lightbox-title=\"1-Plan-financiero-personal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODUwLCJ1cmwiOiJodHRwczpcL1wvZmluYW5jaWFscGxhbm5pbmcuYWRyaXJvZHJpZ29tMy5lc1wvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMTJcLzEtUGxhbi1maW5hbmNpZXJvLXBlcnNvbmFsLnBuZyIsInNsaWRlc2hvdyI6IjAyYjdlY2MifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/1-Plan-financiero-personal.png\" data-width=\"512\" data-height=\"709\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/2-Plan-financiero-personal.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"02b7ecc\" data-elementor-lightbox-title=\"2-Plan-financiero-personal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODQ5LCJ1cmwiOiJodHRwczpcL1wvZmluYW5jaWFscGxhbm5pbmcuYWRyaXJvZHJpZ29tMy5lc1wvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMTJcLzItUGxhbi1maW5hbmNpZXJvLXBlcnNvbmFsLnBuZyIsInNsaWRlc2hvdyI6IjAyYjdlY2MifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/2-Plan-financiero-personal.png\" data-width=\"512\" data-height=\"709\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/3-Plan-financiero-personal.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"02b7ecc\" data-elementor-lightbox-title=\"3-Plan-financiero-personal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODQ4LCJ1cmwiOiJodHRwczpcL1wvZmluYW5jaWFscGxhbm5pbmcuYWRyaXJvZHJpZ29tMy5lc1wvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMTJcLzMtUGxhbi1maW5hbmNpZXJvLXBlcnNvbmFsLnBuZyIsInNsaWRlc2hvdyI6IjAyYjdlY2MifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/3-Plan-financiero-personal.png\" data-width=\"512\" data-height=\"709\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/4-Plan-financiero-personal.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"02b7ecc\" data-elementor-lightbox-title=\"4-Plan-financiero-personal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODQ3LCJ1cmwiOiJodHRwczpcL1wvZmluYW5jaWFscGxhbm5pbmcuYWRyaXJvZHJpZ29tMy5lc1wvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMTJcLzQtUGxhbi1maW5hbmNpZXJvLXBlcnNvbmFsLnBuZyIsInNsaWRlc2hvdyI6IjAyYjdlY2MifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/4-Plan-financiero-personal.png\" data-width=\"512\" data-height=\"709\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/5-Plan-financiero-personal.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"02b7ecc\" data-elementor-lightbox-title=\"5-Plan-financiero-personal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODQ2LCJ1cmwiOiJodHRwczpcL1wvZmluYW5jaWFscGxhbm5pbmcuYWRyaXJvZHJpZ29tMy5lc1wvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMTJcLzUtUGxhbi1maW5hbmNpZXJvLXBlcnNvbmFsLnBuZyIsInNsaWRlc2hvdyI6IjAyYjdlY2MifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/5-Plan-financiero-personal.png\" data-width=\"512\" data-height=\"709\" aria-label=\"\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e17898 e-con-full e-flex e-con e-parent\" data-id=\"4e17898\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5251d4f e-flex e-con-boxed e-con e-child\" data-id=\"5251d4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5c60834 e-con-full e-flex e-con e-child\" data-id=\"5c60834\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cc1f56 elementor-widget elementor-widget-heading\" data-id=\"4cc1f56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 5: IMPLEMENTACI\u00d3N DEL PLAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54d4d6d elementor-widget elementor-widget-text-editor\" data-id=\"54d4d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La implementaci\u00f3n es la etapa donde el plan se convierte en acci\u00f3n. El planificador acompa\u00f1a al cliente para aplicar correctamente las estrategias, revisando los productos financieros actuales y valorando nuevas propuestas de bancos, aseguradoras u otros intermediarios.<\/p><p>Se analizan en detalle cuentas, seguros, fondos o planes de inversi\u00f3n, evaluando costes, condiciones y beneficios, para recomendar si conviene mantener, ajustar o reemplazar cada producto. Al mismo tiempo, se revisan nuevas alternativas que puedan encajar mejor con los objetivos del cliente, siempre con un criterio objetivo y transparente.<\/p><p>Durante este proceso, el planificador garantiza que el cliente entienda cada decisi\u00f3n y se sienta respaldado en la negociaci\u00f3n con los intermediarios. Adem\u00e1s, la implementaci\u00f3n incluye la incorporaci\u00f3n de h\u00e1bitos financieros saludables: gesti\u00f3n del presupuesto, reducci\u00f3n de deudas y creaci\u00f3n de un ahorro constante.<\/p><p>El objetivo es claro: que el cliente pueda llevar a la pr\u00e1ctica su plan con seguridad, confianza y coherencia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22fd4bd e-con-full e-flex e-con e-child\" data-id=\"22fd4bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-591f55c elementor-widget elementor-widget-heading\" data-id=\"591f55c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PASO 6: SEGUIMIENTO\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53da8e5 elementor-widget elementor-widget-text-editor\" data-id=\"53da8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El seguimiento es clave para que el plan se mantenga vivo y \u00fatil en el tiempo. La vida cambia y tambi\u00e9n lo hacen las finanzas, por eso el planificador acompa\u00f1a al cliente para ajustarlo siempre que sea necesario. El seguimiento incluye:<\/p><p>Revisiones peri\u00f3dicas: recomendadas cada trimestre.<\/p><p>Revisiones extraordinarias: cuando ocurre un cambio importante en la vida del cliente (familia, trabajo, salud) o en el entorno econ\u00f3mico.<\/p><p>Sesiones grupales y comunicaci\u00f3n continua: espacios de aprendizaje compartido, env\u00edo de informaci\u00f3n pr\u00e1ctica, novedades normativas y oportunidades relevantes para apoyar la educaci\u00f3n financiera del cliente.<\/p><p>Adem\u00e1s, el cliente cuenta con Plafira, una herramienta online que facilita la actualizaci\u00f3n y el control de su plan en todo momento, garantizando accesibilidad y trazabilidad.El objetivo es que evolucione con la vida del cliente y siga siendo la gu\u00eda hacia sus objetivos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-748b7ec e-con-full e-flex e-con e-parent\" data-id=\"748b7ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f544e7 elementor-widget elementor-widget-heading\" data-id=\"1f544e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPOR QU\u00c9 CONTRATAR EL SERVICIO DE PLANIFICACI\u00d3N FINANCIERA?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e29652 e-con-full e-flex e-con e-parent\" data-id=\"1e29652\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-893a2f7 e-con-full e-flex e-con e-child\" data-id=\"893a2f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a5711e3 e-con-full e-flex e-con e-child\" data-id=\"a5711e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f816f71 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f816f71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrimero concienciarnos que necesitamos tener educaci\u00f3n y planificaci\u00f3n financiera, herramientas y ayuda de un profesional.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNo necesita m\u00e1s ayuda quien tiene menos, quien gana menos, en absoluto, la educaci\u00f3n y la planificaci\u00f3n financieraes como la salud, es la persona la que tiene que cuidar su salud, es la persona la que tiene que cuidar su educaci\u00f3n y planificaci\u00f3n financiera, por tanto, todos hemos de tener educaci\u00f3n y una planificaci\u00f3n financiera al margen de nuestro nivel de ingresos o nivel de patrimonio.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a362f10 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a362f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEn segundo lugar, mirarnos a nosotros mismos y preguntarnos si estamos gestionando todo lo bien que deber\u00edamos nuestro patrimonio.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDeber\u00edamos preguntarnos si estamos utilizando las herramientas adecuadas, si los productos que me han vendido los intermediarios financieros son los mejores y m\u00e1s id\u00f3neos, y si cuento con la ayuda del profesional que desear\u00eda.\n\n \n\nSi alguna de las respuestas es no o tienes dudas, entonces es que te puede interesar contactar con nosotros.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c58476 e-con-full e-flex e-con e-child\" data-id=\"8c58476\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e08a92e e-con-full e-flex e-con e-parent\" data-id=\"e08a92e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff38e5b elementor-widget elementor-widget-heading\" data-id=\"ff38e5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">EDUCADORES FINANCIEROS HABILITADOS\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d21009e e-con-full e-flex e-con e-parent\" data-id=\"d21009e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2df64e9 e-con-full e-flex e-con e-child\" data-id=\"2df64e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bc0b908 e-con-full e-flex e-con e-child\" data-id=\"bc0b908\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6aaae4 elementor-widget elementor-widget-text-editor\" data-id=\"a6aaae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El servicio de educaci\u00f3n y planificaci\u00f3n financiera ofrecido por nuestra empresa cumple con la norma t\u00e9cnica de calidad UNI 11402 \u00abEducaci\u00f3n financiera de los ciudadanos: requisitos de servicio\u00bb, que definen los requisitos para el dise\u00f1o, implementaci\u00f3n, entrega y evaluaci\u00f3n de esta actividad y los requisitos de los proveedores de este servicio. \u200b<br \/>\u200b<br \/>El servicio lo ofrecemos a trav\u00e9s de educadores financieros habilitados por la AEPF y que han sido formados y equipados con herramientas inform\u00e1ticas homologadas para el desarrollo de proyectos personales de acuerdo con los requisitos de calidad de la norma t\u00e9cnica.<\/p><p>Peri\u00f3dicamente AEPF, los educadores financieros y las herramientas utilizadas son revisados por una auditoria externa independiente que garantiza la m\u00e1xima fiabilidad, rigurosidad y coherencia con las normas t\u00e9cnicas. (Foto: certificado auditoria en vigor).\u200b<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c61e96 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9c61e96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contacto\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contacta con nosotros<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6110c1e e-con-full e-flex e-con e-child\" data-id=\"6110c1e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5485d76 e-flex e-con-boxed e-con e-parent\" data-id=\"5485d76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2134a3a elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2134a3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 68 68\"><path fill=\"#51812F\" d=\"M34.44 2.204c-.188-.263-.63-.263-.817 0-.106.152-10.905 15.133-26.13 12.319a.494.494 0 0 0-.45.142.503.503 0 0 0-.13.453c-.012-.058-.007-.134-.02-.052-.406 3.745-3.115 36.986 26.929 50.882a.509.509 0 0 0 .42 0C62.838 52.719 61.694 21.312 61.173 15.15l-.01-.138a.495.495 0 0 0-.109-.309.495.495 0 0 0-.482-.18C45.35 17.333 34.546 2.356 34.44 2.204zM60.206 15.6c.512 6.81 1.08 36.582-26.174 49.342C5.752 51.707 7.356 20.836 7.845 15.598c1.185.19 2.339.277 3.467.277 12.09-.002 20.78-10.092 22.72-12.556 2.12 2.694 12.3 14.495 26.174 12.28z\" class=\"color000000 svgShape\"><\/path><path fill=\"#51812F\" d=\"M33.677 8.986c-4.663 4.692-12.281 10.304-22.093 10.392a.5.5 0 0 0-.495.492c-.13 8.736 1.821 30.22 22.712 41.054a.504.504 0 0 0 .461 0c20.895-10.836 22.845-32.32 22.713-41.054a.5.5 0 0 0-.495-.492c-9.81-.088-17.43-5.7-22.094-10.392a.513.513 0 0 0-.709 0zm.355 50.93c-19.807-10.42-21.995-30.747-21.948-39.547 9.668-.261 17.204-5.655 21.948-10.326 4.744 4.671 12.28 10.065 21.948 10.326.048 8.8-2.138 29.125-21.948 39.546z\" class=\"color000000 svgShape\"><\/path><path fill=\"#51812F\" d=\"M26.81 26.636v4.868a11.189 11.189 0 0 0-4.05 8.632c0 6.214 5.056 11.27 11.27 11.27 6.214 0 11.27-5.056 11.27-11.27a11.19 11.19 0 0 0-4.05-8.633v-4.867a7.224 7.224 0 0 0-7.22-7.22c-3.982 0-7.22 3.239-7.22 7.22zm17.49 13.5c0 5.663-4.607 10.27-10.27 10.27s-10.27-4.607-10.27-10.27c0-3.139 1.407-6.062 3.863-8.02 6.615-5.335 16.677-.634 16.677 8.02zm-6.25-10.514a11.343 11.343 0 0 0-8.04 0v-2.986a4.024 4.024 0 0 1 4.02-4.02c2.2 0 4.02 1.781 4.02 4.02v2.986zm2.2-2.986v4.104a73.964 73.964 0 0 0-1.2-.698v-3.406a5.021 5.021 0 0 0-5.02-5.02 5.026 5.026 0 0 0-5.02 5.02v3.406c-.088.044-1.144.66-1.2.698v-4.104c0-3.43 2.79-6.22 6.22-6.22a6.224 6.224 0 0 1 6.22 6.22z\" class=\"color000000 svgShape\"><\/path><path fill=\"#51812F\" d=\"M34.033 37.12a2.107 2.107 0 0 0-1.3 3.765v1.873a1.3 1.3 0 0 0 1.3 1.299 1.3 1.3 0 0 0 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class=\"elementor-element elementor-element-c8b4c28 elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c8b4c28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 68 68\"><path fill=\"#51812F\" d=\"M54.2 55.4c-.6 0-1 .4-1 1v7c0 .9-.8 1.6-1.9 1.6H4.9c-1 0-1.9-.7-1.9-1.6V13.9c0-.9.9-1.6 1.9-1.6h8.7v2.9c0 .6.4 1 1 1h26.9c.6 0 1-.4 1-1v-2.9h8.8c1 0 1.9.7 1.9 1.6v4.4c0 .6.4 1 1 1s1-.4 1-1v-4.4c0-2-1.7-3.6-3.9-3.6h-8.8V7.9c0-.6-.4-1-1-1h-3.8v-.8c0-2.8-2.5-5.1-5.6-5.1h-8c-3.1 0-5.6 2.3-5.6 5.1v.7h-3.8c-.6 0-1 .4-1 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2.9-4-10c-.2-.5-.8-.8-1.3-.6-.5.2-.8.8-.6 1.3L59 62.2c.2.4.6.7 1.1.6.5-.1.8-.4.9-.9l.6-5 3.9 3.2c.4.3.9.3 1.2 0 .3-.2.4-.7.2-1.1zM39.8 33.3c0 5 4.1 9.1 9.1 9.1s9.1-4.1 9.1-9.1-4.1-9.1-9.1-9.1-9.1 4.1-9.1 9.1zm16.3 0c0 3.9-3.2 7.1-7.1 7.1-3.9 0-7.1-3.2-7.1-7.1 0-3.9 3.2-7.1 7.1-7.1 3.9 0 7.1 3.2 7.1 7.1z\" class=\"color010101 svgShape\"><\/path><path fill=\"#51812F\" d=\"M49.4 17.9c-.2-.2-.5-.3-.7-.3-.3 0-.5.1-.7.3l-2.6 2.7-3.6-.9c-.3-.1-.5 0-.8.1-.2.1-.4.4-.5.6l-.8 3.3-3.3.7c-.5.1-.9.7-.8 1.2l.9 4.2-3 3.1c-.4.4-.4 1 0 1.4l2.7 2.6-.9 3.6c-.1.5.2 1.1.7 1.2l3.3.8.7 3.3c.1.3.2.5.4.6.2.1.5.2.8.1l4.2-.9 3.1 3c.2.2.4.3.7.3.3 0 .5-.1.7-.3l2.6-2.7 3.6.9c.3.1.5 0 .8-.1.2-.1.4-.4.5-.6l.8-3.3 3.3-.7c.5-.1.9-.7.8-1.2l-.9-4.2 3-3.1c.4-.4.4-1 0-1.4l-2.7-2.6.9-3.6c.1-.5-.2-1.1-.7-1.2l-3.4-.8-.7-3.3c-.1-.3-.2-.5-.4-.6-.2-.1-.5-.2-.8-.1l-4.2.9-3-3zm7.3 7.1c.1.4.4.7.7.8l2.9.7-.8 3.2c-.1.3 0 .7.3 1l2.4 2.3-2.7 2.7c-.2.2-.3.6-.3.9l.8 3.7-2.9.6c-.4.1-.7.4-.8.7l-.7 2.9-3.2-.8c-.4-.1-.7 0-1 .3l-2.3 2.4-2.7-2.7c-.2-.2-.4-.3-.7-.3h-.2l-3.7.8-.6-2.9c-.1-.4-.4-.7-.7-.8l-2.9-.7.8-3.2c.1-.3 0-.7-.3-1l-2.4-2.3 2.7-2.7c.2-.2.3-.6.3-.9l-.8-3.7 2.9-.6c.4-.1.7-.4.8-.7l.7-2.9 3.2.8c.3.1.7 0 1-.3l2.3-2.4 2.7 2.7c.2.2.6.3.9.3l3.7-.8.6 2.9z\" class=\"color010101 svgShape\"><\/path><path fill=\"#51812F\" d=\"m43.9 33.3 2.8 3.9c.2.2.4.4.7.4h.1c.3 0 .5-.1.7-.3l5.5-5.9c.4-.4.4-1 0-1.4-.4-.4-1-.4-1.4 0l-4.7 5-2.1-2.9c-.3-.4-1-.5-1.4-.2-.4.4-.5 1-.2 1.4zM6 43.9c0 .6.4 1 1 1h21.1c.6 0 1-.4 1-1s-.4-1-1-1H7c-.5 0-1 .4-1 1zM7.1 51.9h21.1c.6 0 1-.4 1-1s-.4-1-1-1H7.1c-.6 0-1 .4-1 1s.4 1 1 1zM7.1 58.9h21.1c.6 0 1-.4 1-1s-.4-1-1-1H7.1c-.6 0-1 .4-1 1s.5 1 1 1z\" class=\"color010101 svgShape\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGarant\u00eda de Calidad\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tGarantiza que el profesional que nos asiste tiene conocimientos y habilidades necesarios para prestar el servicio cumpliendo las normas t\u00e9cnicas de calidad.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60a85fe elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"60a85fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 64 64\"><path fill=\"#51812F\" d=\"M62.6 35.15c-1.93-2.23-5.15-2.4-5.17-2.37-.22-.03-.42-.07-.59-.13 0 0-.01 0-.01-.01-.59-.19-.87-.49-.87-.93 2.27-2.14 2.59-5.54 2.6-5.67.09-.76.1-1.47.03-2.08-.39-4.46-4.1-5.49-5.92-5.44-.1 0-2.56-.07-4.33 1.64-1.15 1.12-1.72 2.69-1.71 4.68.01.37.03.77.07 1.17.01.15.33 3.56 2.6 5.7-.03.28-.2.62-.89.84h-.02c-.16.06-.34.09-.55.13-.56.03-3.9.35-5.61 2.93-.77-.13-1.32-.17-1.5-.18-.45-.07-.86-.16-1.22-.27h-.01c-.68-.23-1.22-.86-1.61-1.89-.53-1.35-.6-2.89-.58-3.31 0-.08.01-.15.02-.22 4.23-3.72 4.81-10 4.83-10.25.15-1.31.17-2.53.07-3.59v-.02c0-.02 0-.05-.01-.08-.84-9.57-10.16-9.33-10.18-9.33-.18-.01-4.39-.13-7.41 2.81-1.96 1.91-2.94 4.62-2.91 8.07.01.67.05 1.39.13 2.11.02.27.61 6.56 4.84 10.29 0 .05.01.09 0 .15-.02 1.44-.14 3.29-.25 3.62 0 .01-.01.01-.01.02-.34.66-1 1.15-1.99 1.47h-.02c-.33.11-.71.2-1.17.26-.19.01-.78.05-1.59.2-1.85-2.62-5.4-2.8-5.5-2.8-.22-.03-.41-.07-.58-.13h-.03c-.59-.19-.87-.49-.87-.93 2.27-2.14 2.59-5.54 2.6-5.67.09-.76.1-1.47.03-2.08-.39-4.46-4.07-5.5-5.92-5.44-.1 0-2.56-.07-4.32 1.64-1.15 1.12-1.72 2.69-1.71 4.68.01.37.03.77.07 1.17.01.15.33 3.56 2.6 5.7-.03.28-.2.62-.89.84h-.01c-.16.05-.34.09-.54.12-.47.03-3.4.28-5.21 2.37C.26 36.23-.19 37.93.04 39.97l.34 3.11c.04.36.27.66.61.8.18.07 4.04 1.57 10.17 1.57.2 0 .41-.01.61-.01-.05.84-.04 1.72.07 2.64l.63 5.78c.04.36.27.66.61.8.43.17 7.42 2.87 18.47 2.87 5.51 0 12.03-.67 19.24-2.66.38-.11.66-.43.71-.83l.63-5.78c.11-.94.12-1.84.06-2.69h.24c3.47 0 6.98-.48 10.45-1.44.38-.11.66-.43.71-.83l.34-3.12c.24-2.04-.21-3.73-1.33-5.03zm-13.95-9.31c-.04-.36-.06-.69-.06-1.01-.01-1.43.36-2.52 1.11-3.25 1.16-1.14 2.9-1.11 2.98-1.1.38-.01 3.67.01 3.99 3.69.05.49.04 1.05-.03 1.7 0 .03-.3 3.29-2.44 4.82-.03.02-.05.03-.08.05-.05.04-.1.07-.15.1-.83.51-1.82.51-2.65 0-.05-.03-.1-.07-.15-.1-.03-.02-.05-.04-.08-.05-.07-.05-.13-.1-.19-.15-1.96-1.6-2.25-4.66-2.25-4.7zM37.87 36.48l-2.28 3.93-2.22-2.26 3.31-2.96c.35.53.75.96 1.19 1.29zm-5.86 3.05 1.37 1.4-1.3 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7.2zm11.8-8.07-.27 2.46c-3.27.84-6.58 1.22-9.84 1.17-.37-1.53-1.05-2.88-2.05-4.04-1.6-1.86-3.72-2.88-5.51-3.44 1.4-1.38 3.64-1.5 3.66-1.5.04 0 .09-.01.13-.01.28-.05.57-.11.86-.2h.02c.01 0 .01-.01.02-.01h.02c1.1-.36 1.65-.98 1.93-1.57a4.313 4.313 0 0 0 3.28.01c.34.76 1.01 1.34 1.96 1.66.01 0 .02.01.03.02.29.09.6.15 1.02.21.02 0 2.5.13 3.86 1.71.74.85 1.04 2.04.88 3.53z\" class=\"color000000 svgShape\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGarant\u00eda de Profesionalidad\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa habilitaci\u00f3n de los profesionales es auditada y actualizada peri\u00f3dicamente por una instituci\u00f3n externa autorizada (AEPF).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227a210 elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"227a210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 64 64\"><path d=\"M16 19a1 1 0 0 0-1 1v1a1 1 0 0 0 2 0V20A1 1 0 0 0 16 19zM24 22a1 1 0 0 0 1-1V20a1 1 0 0 0-2 0v1A1 1 0 0 0 24 22z\"><\/path><path d=\"M28 37H25V33.65A10.023 10.023 0 0 0 30 25V24h1a4 4 0 0 0 0-8H30V14a7.008 7.008 0 0 0-7-7 6.9 6.9 0 0 0-3.06.71A8 8 0 0 0 7 14a1 1 0 0 0 1 1h2v1H9a4 4 0 0 0 0 8h1v1a10.023 10.023 0 0 0 5 8.65V37H11a9.014 9.014 0 0 0-9 9V60a1 1 0 0 0 1 1H36a1 1 0 0 0 1-1V46A9.014 9.014 0 0 0 28 37zm2-19h1a2 2 0 0 1 0 4H30zM10 22H9a2 2 0 0 1 0-4h1zm-.92-9A5.993 5.993 0 0 1 19.12 9.65a1.011 1.011 0 0 0 1.22.12A5 5 0 0 1 27.9 13zM12 25V15H28V25a8 8 0 0 1-16 0zm6.58 20.99l.71.72a1.014 1.014 0 0 0 1.42 0l.71-.72 1.48 6.69L20 55.59l-2.9-2.91zm-.91-3.73L20 39.54l2.33 2.72L20 44.59zM22.17 39H25v3.3zM17 37V34.54a10.013 10.013 0 0 0 6 0V37zm-2 2h2.83L15 42.3zM35 59H31V50H29v9H10V50H8v9H4V46a7.008 7.008 0 0 1 7-7h2v6a1.007 1.007 0 0 0 .65.94A1.073 1.073 0 0 0 14 46a.978.978 0 0 0 .76-.35l1.6-1.87.54.54-1.88 8.46a1.021 1.021 0 0 0 .27.93l4 4a1.014 1.014 0 0 0 1.42 0l4-4a1.021 1.021 0 0 0 .27-.93L23.1 44.32l.54-.54 1.6 1.87A.978.978 0 0 0 26 46a1.073 1.073 0 0 0 .35-.06A1.007 1.007 0 0 0 27 45V39h1a7.008 7.008 0 0 1 7 7zM51 17H61a1 1 0 0 0 1-1V6a1 1 0 0 0-1-1H51a1 1 0 0 0-1 1v4H43a1 1 0 0 0-1 1V31H37v2h5V53a1 1 0 0 0 1 1h7v4a1 1 0 0 0 1 1H61a1 1 0 0 0 1-1V48a1 1 0 0 0-1-1H51a1 1 0 0 0-1 1v4H44V33h6v4a1 1 0 0 0 1 1H61a1 1 0 0 0 1-1V27a1 1 0 0 0-1-1H51a1 1 0 0 0-1 1v4H44V12h6v4A1 1 0 0 0 51 17zM52 7h8v8H52zm0 42h8v8H52zm0-21h8v8H52z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGarant\u00eda de Reclamaci\u00f3n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPosibilidad de acudir a una instituci\u00f3n tercera (la AEPF) en caso de desavenencias con nuestros servicios.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6a06bf elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c6a06bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGarant\u00eda de Resultados\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl ciudadano recibe por escrito un trabajo realizado con herramientas que cumplen la norma.\n\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b7099d e-con-full e-flex e-con e-parent\" data-id=\"2b7099d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4db4f6f e-con-full e-flex e-con e-child\" data-id=\"4db4f6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c02cfd1 elementor-widget elementor-widget-heading\" data-id=\"c02cfd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONFIDENCIALIDAD Y PRIVACIDAD \u200b\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4c9071 e-con-full e-flex e-con e-parent\" data-id=\"f4c9071\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7fea58d e-con-full e-flex e-con e-child\" data-id=\"7fea58d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-474e218 e-con-full e-flex e-con e-child\" data-id=\"474e218\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fda1060 e-con-full e-flex e-con e-child\" data-id=\"fda1060\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa58c72 elementor-widget elementor-widget-image\" data-id=\"aa58c72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/confidencialidad-150x150.gif\" class=\"attachment-thumbnail size-thumbnail wp-image-680\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d20cc53 elementor-widget elementor-widget-text-editor\" data-id=\"d20cc53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b121c1 elementor-widget elementor-widget-text-editor\" data-id=\"6b121c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\">1) Los datos personales sera\u0301n tratados exclusivamente para fines administrativos y de gestio\u0301n y, en cualquier caso, relacionados con el servicio contratado.<\/div><div>\u00a0<\/div><\/div><div class=\"elementor-element elementor-element-4c5f25a elementor-widget elementor-widget-text-editor\" data-id=\"4c5f25a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\">2) La calidad del servicio prestado sera\u0301 mayor cuanto mayor sea la adecuacio\u0301n de los datos a la realidad. \u200b<\/div><div>\u00a0<\/div><\/div><div class=\"elementor-element elementor-element-04330a4 elementor-widget elementor-widget-text-editor\" data-id=\"04330a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\">3) Los datos personales se conservara\u0301n exclusivamente para la actividad de seguimiento del servicio por parte del educador financiero. \u200b<\/div><\/div><div class=\"elementor-element elementor-element-3174faf elementor-widget elementor-widget-text-editor\" data-id=\"3174faf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div>\u00a0<\/div><div class=\"elementor-widget-container\">4) En caso de revocacio\u0301n del consentimiento, que podra\u0301 ser enviado en cualquier momento por correo electro\u0301nico al educador financiero, el servicio ya no se puede prestar.\u200b<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86469fa e-con-full e-flex e-con e-parent\" data-id=\"86469fa\" data-element_type=\"container\" data-e-type=\"container\" id=\"contacto\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e590dc9 e-flex e-con-boxed e-con e-child\" data-id=\"e590dc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-57aa73d e-con-full e-flex e-con e-child\" data-id=\"57aa73d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53ae140 elementor-widget elementor-widget-heading\" data-id=\"53ae140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CS Financial Planing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52dd48c elementor-widget elementor-widget-text-editor\" data-id=\"52dd48c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tel\u00e9fono de informaci\u00f3n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6ec94 elementor-widget elementor-widget-button\" data-id=\"7e6ec94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:951518685\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">951 51 86 85<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8bfe44 elementor-widget elementor-widget-text-editor\" data-id=\"f8bfe44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whatsapp<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89c411c elementor-widget elementor-widget-button\" data-id=\"89c411c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+34627507902\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">627 5079 02<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a3e3f5 e-con-full e-flex e-con e-child\" data-id=\"9a3e3f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8111958 elementor-widget elementor-widget-heading\" data-id=\"8111958\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfNecesitas Ponerte En Contacto Con Nosotros?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26d9ffc elementor-widget elementor-widget-heading\" data-id=\"26d9ffc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reserva una cita\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b10bad1 elementor-button-align-start elementor-widget elementor-widget-form\" data-id=\"b10bad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Siguiente&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nuevo formulario\" aria-label=\"Nuevo formulario\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"392\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"b10bad1\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Planificaci\u00f3n Financiera - CS Financial Planning\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"392\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNombre\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Nombre\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tCorreo electr\u00f3nico\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Correo electr\u00f3nico\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMensaje\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Mensaje\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_86287da elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_86287da\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tAcuerdo RGPD\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_86287da]\" id=\"form-field-field_86287da\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-field_86287da\">Doy mi consentimiento para que esta web almacene la informaci\u00f3n que env\u00edo para que puedan responder a mi petici\u00f3n. He le\u00eddo y acepto la <a href=\"https:\/\/financialplanning.adrirodrigom3.es\/privacidad\/\" target=\"_blank\">Pol\u00edtica de Privacidad<\/a><\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_32406d0 elementor-col-100\">\n\t\t\t\t\t<span class=\"texto-legal\">Le informamos que, los datos de car\u00e1cter personal que nos proporciones rellenando el presente formulario ser\u00e1n tratados por CS Financial Planning como responsable de este fichero. Finalidad de la recogida y tratamiento de los datos personales: gestionar la solicitud que realiza en este formulario de contacto y enviarle la informaci\u00f3n correspondiente relacionada con el mismo. Puede consultar la informaci\u00f3n detallada aqu\u00ed arriba pulsando en Pol\u00edtica de Privacidad.<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha elementor-field-group elementor-column elementor-field-group-field_816912b elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_816912b\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6Lc4yDAsAAAAAA7N6qEv50Lus4C6HiuJqON-GYz5\" data-type=\"v2_checkbox\" data-theme=\"light\" data-size=\"normal\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enviar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1360dc9 e-con-full e-flex e-con e-parent\" data-id=\"1360dc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4eae60c e-flex e-con-boxed e-con e-child\" data-id=\"4eae60c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3022d55 elementor-widget elementor-widget-heading\" data-id=\"3022d55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nuestros profesionales est\u00e1n registrados en:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-742a145 elementor-widget elementor-widget-image\" data-id=\"742a145\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"265\" height=\"80\" src=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/fpa-spain.gif\" class=\"attachment-large size-large wp-image-690\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1ee11 elementor-widget elementor-widget-image\" data-id=\"ec1ee11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"219\" height=\"67\" src=\"https:\/\/financialplanning.adrirodrigom3.es\/wp-content\/uploads\/2025\/12\/cropped-logo_AEPF_web.png\" class=\"attachment-large size-large wp-image-691\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd003ec elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"bd003ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d0efc7a e-con-full e-flex e-con e-child\" data-id=\"d0efc7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abc9618 elementor-widget elementor-widget-heading\" data-id=\"abc9618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programa Empresas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c9096 elementor-widget elementor-widget-text-editor\" data-id=\"a1c9096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfTienes una empresa o eres responsable de RRHH y quieres mejorar la educaci\u00f3n financiera de tu personal?<br \/>Descubre qu\u00e9 beneficios puedes obtener con nuestros servicios de bienestar social para empresas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2083ab1 elementor-widget elementor-widget-heading\" data-id=\"2083ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 ocuparse del bienestar de los trabajadores?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b487d elementor-widget elementor-widget-text-editor\" data-id=\"25b487d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"438\" data-end=\"715\">En Espa\u00f1a, las empresas y los interlocutores sociales saben lo importante que es contar con trabajadores conscientes y serenos, que no vivan bajo la presi\u00f3n de los problemas econ\u00f3micos, que tengan los medios para proteger a su familia y puedan alcanzar sus objetivos vitales.<\/p><p data-start=\"717\" data-end=\"911\">Las empresas que est\u00e1n profesionalizando los <strong data-start=\"762\" data-end=\"800\">programas de bienestar corporativo<\/strong> e incorporando <strong data-start=\"816\" data-end=\"864\">programas de educaci\u00f3n financiera de calidad<\/strong> consiguen <strong data-start=\"875\" data-end=\"908\">resultados m\u00e1s satisfactorios<\/strong>.<\/p><p data-start=\"913\" data-end=\"1235\">Los resultados medidos muestran una fuerte mejora en las condiciones econ\u00f3micas y psicol\u00f3gicas de los trabajadores y las familias, con un beneficio particular para trabajadores separados, solteros o solteros con hijos, categor\u00edas fr\u00e1giles que necesitan conciencia y trabajo en su cuenta de resultados, presente y futura.<\/p><p data-start=\"1237\" data-end=\"1447\">La clave est\u00e1 en disponer de la figura del <strong data-start=\"1280\" data-end=\"1301\">\u201cWelfare Manager\u201d<\/strong>, un profesional con las competencias y herramientas para realizar el plan de bienestar corporativo siguiendo est\u00e1ndares de calidad reconocidos.<\/p><p data-start=\"1449\" data-end=\"1722\">En este sentido, la AEPF ofrece a las empresas la posibilidad de mejorar o implementar un programa de bienestar corporativo basado en normas t\u00e9cnicas de calidad, o simplemente mejorar la educaci\u00f3n financiera de sus trabajadores a trav\u00e9s de nuestro <strong data-start=\"1697\" data-end=\"1719\">programa YoWelfare<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae7280a e-con-full e-flex e-con e-child\" data-id=\"ae7280a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-649c0bf elementor-widget elementor-widget-heading\" data-id=\"649c0bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programa Ni\u00f1os y J\u00f3venes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85454e9 elementor-widget elementor-widget-text-editor\" data-id=\"85454e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"1758\" data-end=\"1783\">CS Financial Planning<\/strong>, junto a la <strong data-start=\"1796\" data-end=\"1804\">AEPF<\/strong>, promovemos la difusi\u00f3n de la educaci\u00f3n financiera desde la escuela a trav\u00e9s de proyectos espec\u00edficos, basados en una comunicaci\u00f3n sencilla y emp\u00e1tica. Con programas y herramientas did\u00e1cticas para llevar la educaci\u00f3n financiera a las aulas y que adem\u00e1s pretenden involucrar a los padres en el proceso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65677b0 elementor-widget elementor-widget-heading\" data-id=\"65677b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Yo-Welfare Kids &amp; Junior<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53eca36 elementor-widget elementor-widget-text-editor\" data-id=\"53eca36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">Programa <strong data-start=\"2148\" data-end=\"2167\">Yo-Welfare Kids<\/strong> para ni\u00f1os entre 5 y 13 a\u00f1os en la etapa de educaci\u00f3n infantil:<\/p><ul data-start=\"2234\" data-end=\"2498\"><li data-start=\"2234\" data-end=\"2325\"><p data-start=\"2236\" data-end=\"2325\">Herramientas que les ayuden a tomar decisiones sobre c\u00f3mo hablar de dinero en el hogar.<\/p><\/li><li data-start=\"2326\" data-end=\"2416\"><p data-start=\"2328\" data-end=\"2416\">Juegos para aprender la importancia del ahorro, el gasto responsable y la solidaridad.<\/p><\/li><li data-start=\"2417\" data-end=\"2498\"><p data-start=\"2419\" data-end=\"2498\">Estrategias para estimular la capacidad de conversaci\u00f3n en el aula y en casa.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e91e6b elementor-widget elementor-widget-heading\" data-id=\"0e91e6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Programa Yo-Welfare Familia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3649d4b elementor-widget elementor-widget-text-editor\" data-id=\"3649d4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">CLos padres son un punto de referencia fundamental en este proceso. Se les ofrecen programas de educaci\u00f3n financiera dise\u00f1ados para mejorar la comunicaci\u00f3n familiar y ayudar a los hijos a gestionar mejor el dinero.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9549c30 elementor-widget elementor-widget-heading\" data-id=\"9549c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Formaci\u00f3n profesorado<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6d5755 elementor-widget elementor-widget-text-editor\" data-id=\"d6d5755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">Ofrecemos formaci\u00f3n y material did\u00e1ctico para el profesorado, para impartir programas de educaci\u00f3n financiera adaptados a la norma t\u00e9cnica de calidad <strong data-start=\"2925\" data-end=\"2962\">UNI 11402 de educaci\u00f3n financiera<\/strong>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5603a3 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"d5603a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-04c4ae2 e-con-full e-flex e-con e-child\" data-id=\"04c4ae2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:170,&quot;sticky_offset_mobile&quot;:83,&quot;sticky_anchor_link_offset&quot;:54,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-60dc468 e-con-full e-flex e-con e-child\" data-id=\"60dc468\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b30ebc elementor-widget elementor-widget-heading\" data-id=\"1b30ebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programa Ni\u00f1os y J\u00f3venes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37909be elementor-widget elementor-widget-text-editor\" data-id=\"37909be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"1758\" data-end=\"1783\">CS Financial Planning<\/strong>, junto a la <strong data-start=\"1796\" data-end=\"1804\">AEPF<\/strong>, promovemos la difusi\u00f3n de la educaci\u00f3n financiera desde la escuela a trav\u00e9s de proyectos espec\u00edficos, basados en una comunicaci\u00f3n sencilla y emp\u00e1tica. Con programas y herramientas did\u00e1cticas para llevar la educaci\u00f3n financiera a las aulas y que adem\u00e1s pretenden involucrar a los padres en el proceso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef5e699 elementor-widget elementor-widget-heading\" data-id=\"ef5e699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Yo-Welfare Kids &amp; Junior<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-077fa68 elementor-widget elementor-widget-text-editor\" data-id=\"077fa68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">Programa <strong data-start=\"2148\" data-end=\"2167\">Yo-Welfare Kids<\/strong> para ni\u00f1os entre 5 y 13 a\u00f1os en la etapa de educaci\u00f3n infantil:<\/p><ul data-start=\"2234\" data-end=\"2498\"><li data-start=\"2234\" data-end=\"2325\"><p data-start=\"2236\" data-end=\"2325\">Herramientas que les ayuden a tomar decisiones sobre c\u00f3mo hablar de dinero en el hogar.<\/p><\/li><li data-start=\"2326\" data-end=\"2416\"><p data-start=\"2328\" data-end=\"2416\">Juegos para aprender la importancia del ahorro, el gasto responsable y la solidaridad.<\/p><\/li><li data-start=\"2417\" data-end=\"2498\"><p data-start=\"2419\" data-end=\"2498\">Estrategias para estimular la capacidad de conversaci\u00f3n en el aula y en casa.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0202280 e-con-full e-flex e-con e-child\" data-id=\"0202280\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:190,&quot;sticky_offset_mobile&quot;:93,&quot;sticky_anchor_link_offset&quot;:60,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-40f72ae e-con-full e-flex e-con e-child\" data-id=\"40f72ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a413a0 elementor-widget elementor-widget-heading\" data-id=\"3a413a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Programa Yo-Welfare Familia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc7c42 elementor-widget elementor-widget-text-editor\" data-id=\"dbc7c42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">CLos padres son un punto de referencia fundamental en este proceso. Se les ofrecen programas de educaci\u00f3n financiera dise\u00f1ados para mejorar la comunicaci\u00f3n familiar y ayudar a los hijos a gestionar mejor el dinero.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca8750 elementor-widget elementor-widget-heading\" data-id=\"fca8750\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Formaci\u00f3n profesorado<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869052f elementor-widget elementor-widget-text-editor\" data-id=\"869052f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2139\" data-end=\"2233\">Ofrecemos formaci\u00f3n y material did\u00e1ctico para el profesorado, para impartir programas de educaci\u00f3n financiera adaptados a la norma t\u00e9cnica de calidad <strong data-start=\"2925\" data-end=\"2962\">UNI 11402 de educaci\u00f3n financiera<\/strong>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8684f9 elementor-widget elementor-widget-heading\" data-id=\"f8684f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programa Empresas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-447a58b elementor-widget elementor-widget-text-editor\" data-id=\"447a58b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfTienes una empresa o eres responsable de RRHH y quieres mejorar la educaci\u00f3n financiera de tu personal?<br \/>Descubre qu\u00e9 beneficios puedes obtener con nuestros servicios de bienestar social para empresas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f61666a e-con-full e-flex e-con e-child\" data-id=\"f61666a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:200,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-29602ff e-con-full e-flex e-con e-child\" data-id=\"29602ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-852c375 elementor-widget elementor-widget-heading\" data-id=\"852c375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 ocuparse del bienestar de los trabajadores?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f737cc elementor-widget elementor-widget-text-editor\" data-id=\"2f737cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"438\" data-end=\"715\">En Espa\u00f1a, las empresas y los interlocutores sociales saben lo importante que es contar con trabajadores conscientes y serenos, que no vivan bajo la presi\u00f3n de los problemas econ\u00f3micos, que tengan los medios para proteger a su familia y puedan alcanzar sus objetivos vitales.<\/p><p data-start=\"717\" data-end=\"911\">Las empresas que est\u00e1n profesionalizando los <strong data-start=\"762\" data-end=\"800\">programas de bienestar corporativo<\/strong> e incorporando <strong data-start=\"816\" data-end=\"864\">programas de educaci\u00f3n financiera de calidad<\/strong> consiguen <strong data-start=\"875\" data-end=\"908\">resultados m\u00e1s satisfactorios<\/strong>.<\/p><p data-start=\"913\" data-end=\"1235\">Los resultados medidos muestran una fuerte mejora en las condiciones econ\u00f3micas y psicol\u00f3gicas de los trabajadores y las familias, con un beneficio particular para trabajadores separados, solteros o solteros con hijos, categor\u00edas fr\u00e1giles que necesitan conciencia y trabajo en su cuenta de resultados, presente y futura.<\/p><p data-start=\"1237\" data-end=\"1447\">La clave est\u00e1 en disponer de la figura del <strong data-start=\"1280\" data-end=\"1301\">\u201cWelfare Manager\u201d<\/strong>, un profesional con las competencias y herramientas para realizar el plan de bienestar corporativo siguiendo est\u00e1ndares de calidad reconocidos.<\/p><p data-start=\"1449\" data-end=\"1722\">En este sentido, la AEPF ofrece a las empresas la posibilidad de mejorar o implementar un programa de bienestar corporativo basado en normas t\u00e9cnicas de calidad, o simplemente mejorar la educaci\u00f3n financiera de sus trabajadores a trav\u00e9s de nuestro <strong data-start=\"1697\" data-end=\"1719\">programa YoWelfare<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bd5ff1 e-flex e-con-boxed e-con e-parent\" data-id=\"7bd5ff1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c293d79 elementor-widget 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Evita que el dinero trabaje para objetivos de terceros y consigue que se gestione orient\u00e1ndonos hacia los objetivos vitales. Evita improvisar. Menos posibilidades de equivocarnos. Ayuda a conocernos e identificar las necesidades presentes y futuras, a [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-392","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planificaci\u00f3n Financiera - CS Financial Planning<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planificaci\u00f3n Financiera - CS Financial Planning\" \/>\n<meta property=\"og:description\" content=\"Por que dedicar tiempo y recursos a la planificacion financiera Nos obliga a pensar qu\u00e9 hacer con el dinero. 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