{"id":79,"date":"2026-02-14T10:12:22","date_gmt":"2026-02-14T01:12:22","guid":{"rendered":"https:\/\/vr6st0gqi01k.vh.share-svr.com\/?p=79"},"modified":"2026-02-14T10:12:22","modified_gmt":"2026-02-14T01:12:22","slug":"%eb%b3%80%ed%98%b8%ec%82%ac%eb%b3%b4%eb%8b%a4-%eb%82%ab%eb%84%a4-%ed%9a%8c%ea%b3%84%ec%82%ac-%ec%86%8c%eb%93%9d-1%ec%96%b52%ec%b2%9c%eb%a7%8c%ec%9b%90%ea%b0%9c%ec%97%85-%ec%a0%84%eb%ac%b8","status":"publish","type":"post","link":"https:\/\/which-advisor.com\/?p=79","title":{"rendered":"&#8216;\ubcc0\ud638\uc0ac\ubcf4\ub2e4 \ub0ab\ub124&#8217; \ud68c\uacc4\uc0ac \uc18c\ub4dd 1\uc5b52\ucc9c\ub9cc\uc6d0\u2026\uac1c\uc5c5 \uc804\ubb38\uc9c1 1\uc704"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">2024\ub144 \ubcc0\ud638\uc0ac 1\uc5b5600\ub9cc\uc6d0\u00b7\uc138\ubb34\uc0ac 8\ucc9c200\ub9cc\uc6d0\u00b7\ubcc0\ub9ac\uc0ac 8\ucc9c\ub9cc\uc6d0(\uc138\uc885=\uc5f0\ud569\ub274\uc2a4) \uc774\ub300\ud76c \uae30\uc790 = \uac1c\uc5c5 \ud68c\uacc4\uc0ac\uc758 \ud3c9\uade0 \uc18c\ub4dd\uc774 5\ub144 \uc5f0\uc18d\uc73c\ub85c \uac1c\uc5c5 \ubcc0\ud638\uc0ac\ub97c \uc6c3\ub3cc\uc558\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">14\uc77c \uad6d\ubbfc\uc758\ud798 \ubc15\uc131\ud6c8 \uc758\uc6d0\uc2e4\uc774 \uad6d\uc138\uccad\uc73c\ub85c\ubd80\ud130 \ubc1b\uc740 &#8216;\uc804\ubb38\uc9c1 \uc5c5\uc885\ubcc4 \uc0ac\uc5c5\uc18c\ub4dd \uc2e0\uace0\ud604\ud669&#8217;\uc744 \ubcf4\uba74, 2024\ub144 \uadc0\uc18d \uae30\uc900 \ud68c\uacc4\uc0ac\uc5c5 \uc2e0\uace0\uc778\uc6d0 1\ucc9c628\uba85\uc774 \ucd1d 1\ucc9c992\uc5b5\uc6d0\uc758 \uc0ac\uc5c5\uc18c\ub4dd\uc744 \uc2e0\uace0\ud588\ub2e4. 1\uc778\ub2f9 \ud3c9\uade0\uc740 1\uc5b52\ucc9c200\ub9cc\uc6d0\uc774\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud68c\uacc4\uc0ac\uc5c5\uc740 5\ub144 \ub3d9\uc548 9\uac1c \uc804\ubb38 \uc9c1\uc885 \uc911 1\uc704\ub97c \ub193\uce58\uc9c0 \uc54a\uc558\ub2e4. \ub2e4\ub9cc 2023\ub144 1\uc5b52\ucc9c400\ub9cc\uc6d0\ubcf4\ub2e4 2024\ub144 \uc18c\ud3ed \uac10\uc18c\ud55c \ud750\ub984\uc774 \ub098\ud0c0\ub0ac\ub2e4.\ubcc0\ud638\uc0ac\uc5c5\uc740 \ud68c\uacc4\uc0ac\uc5c5\uc758 \ub4a4\ub97c \ucad3\uc558\ub2e4. 2024\ub144 6\ucc9c954\uba85\uc774 \ucd1d 7\ucc9c366\uc5b5\uc6d0\uc744 \uc2e0\uace0\ud574 1\uc778\ub2f9 \ud3c9\uade0 1\uc5b5600\ub9cc\uc6d0\uc744 \ub098\ud0c0\ub0c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020\ub144 1\uc778\ub2f9 1\uc5b5900\ub9cc\uc6d0\uc774\uc5c8\ub358 \ubcc0\ud638\uc0ac\uc5c5 \uc0ac\uc5c5\uc18c\ub4dd\uc740 2023\ub144\uc5d0\ub294 9\ucc9c700\ub9cc\uc6d0\uc73c\ub85c 1\uc5b5\uc6d0 \uc544\ub798\ub85c \ub5a8\uc5b4\uc9c0\uae30\ub3c4 \ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\uc5c5 \ud68c\uacc4\uc0ac\uac00 \uac1c\uc5c5 \ubcc0\ud638\uc0ac\ubcf4\ub2e4 \uc0ac\uc5c5\uc18c\ub4dd\uc774 \ub192\uc740 \uac83\uc740 \ub450 \uc5c5\uc885\uc758 \uac1c\uc5c5 \ubc29\uc2dd\uc5d0 \ucc28\uc774\uac00 \uc788\uae30 \ub54c\ubb38\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud68c\uacc4\uc0ac\ub294 \uc5c5\ubb34 \ud2b9\uc131\uc0c1 \ub300\ud615 \ud68c\uacc4\ubc95\uc778 \uc18c\uc18d \ube44\uc911\uc774 \ub192\uc740 \ud3b8\uc774\ub2e4. \uac1c\uc778 \uac1c\uc5c5\uc744 \ud558\ub354\ub77c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775 \uad6c\uc870\ub97c \uba3c\uc800 \uac16\ucd98 \ub4a4 \uac1c\uc5c5\ud558\ub294 \uacbd\uc6b0\uac00 \uc77c\ubc18\uc801\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7ec\ub098 \ubcc0\ud638\uc0ac\ub294 \ub85c\uc2a4\ucfe8 \uc878\uc5c5 \ud6c4 \ubcc0\ud638\uc0ac \uc790\uaca9\uc744 \ub534 \ub4a4 \ub300\ud615 \ub85c\ud38c\uc5d0 \ucde8\uc9c1\ud558\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0 \ubc14\ub85c \uac1c\uc5c5\uc744 \uc120\ud0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ud754\ud55c \ud3b8\uc774\ub2e4. \uc774\ub7f0 \uacc4\uce35\uc740 1\uc778\ub2f9 \ud3c9\uade0 \uc561\uc218\ub97c \ub04c\uc5b4\ub0b4\ub9ac\ub294 \uac83\uc73c\ub85c \ubd84\uc11d\ub41c\ub2e4.2024\ub144 \uadc0\uc18d\ubd84 \uae30\uc900 3\uc704\ub294 \uc138\ubb34\uc0ac\uc5c5\uc73c\ub85c, 1\ub9cc894\uba85\uc774 8\ucc9c958\uc5b5\uc6d0\uc744 \uc2e0\uace0\ud574 1\uc778\ub2f9 \ud3c9\uade0 \uc0ac\uc5c5\uc18c\ub4dd\uc740 8\ucc9c200\ub9cc\uc6d0\uc73c\ub85c \uc9d1\uacc4\ub410\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcc0\ub9ac\uc0ac\uc5c5\uc740 1\ucc9c171\uba85\uc774 942\uc5b5\uc6d0\uc744 \uc2e0\uace0\ud574 1\uc778\ub2f9 \ud3c9\uade0 8\ucc9c\ub9cc\uc6d0\uc73c\ub85c \uadf8 \ub4a4\ub97c \uc774\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\uc5c5 \uc804\ubb38\uc9c1\uc758 \uc0ac\uc5c5\uc18c\ub4dd\uc740 \uc5c5\uc885\uc5d0 \ub530\ub77c \ud3b8\ucc28\uac00 \ucef8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub178\ubb34\uc0ac\uc5c5\uc740 2\ucc9c500\ub9cc\uc6d0\uc73c\ub85c 8\uac1c \uc804\ubb38\uc9c1 \uc911 \uac00\uc7a5 \ub0ae\uc558\ub2e4. \uc774\uc5b4 \uac74\ucd95\uc0ac\uc5c5 3\ucc9c\ub9cc\uc6d0, \ubc95\ubb34\uc0ac\uc5c5 3\ucc9c200\ub9cc\uc6d0, \uac10\uc815\ud3c9\uac00\uc0ac\uc5c5 3\ucc9c900\ub9cc\uc6d0, \uad00\uc138\uc0ac\uc5c5 6\ucc9c\ub9cc\uc6d0 \ub4f1\uc774 \ub4a4\ub97c \uc774\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ud1b5\uacc4\ub294 2020\u223c2024\ub144 \uadc0\uc18d \uc885\ud569\uc18c\ub4dd\uc138\ub97c \uc2e0\uace0\ud55c \uc804\ubb38\uc9c1 \uc0ac\uc5c5\uc790\uc758 \uc5c5\uc885\ubcc4 \uc0ac\uc5c5 \uc18c\ub4dd\uc561\uc744 \uae30\uc900\uc73c\ub85c \uc9d1\uacc4\ud55c &#8216;\uac1c\uc5c5 \uc804\ubb38\uc9c1&#8217; \uc18c\ub4dd\uc73c\ub85c, \ubc95\uc778 \uc18c\uc18d \uc804\ubb38\uc9c1\uc758 \uadfc\ub85c\uc18c\ub4dd\uacfc\ub294 \ub2e4\ub974\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"660\" src=\"https:\/\/vr6st0gqi01k.vh.share-svr.com\/wp-content\/uploads\/2026\/02\/PCM20230313000115990_P4.jpg\" alt=\"\" class=\"wp-image-80\" srcset=\"https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/02\/PCM20230313000115990_P4.jpg 1024w, https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/02\/PCM20230313000115990_P4-300x193.jpg 300w, https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/02\/PCM20230313000115990_P4-768x495.jpg 768w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2024\ub144 \ubcc0\ud638\uc0ac 1\uc5b5600\ub9cc\uc6d0\u00b7\uc138\ubb34\uc0ac 8\ucc9c200\ub9cc\uc6d0\u00b7\ubcc0\ub9ac\uc0ac 8\ucc9c\ub9cc\uc6d0(\uc138\uc885=\uc5f0\ud569\ub274\uc2a4) \uc774\ub300\ud76c \uae30\uc790 = \uac1c\uc5c5 \ud68c\uacc4\uc0ac\uc758 \ud3c9\uade0 \uc18c\ub4dd\uc774 5\ub144 \uc5f0\uc18d\uc73c\ub85c \uac1c\uc5c5 \ubcc0\ud638\uc0ac\ub97c \uc6c3\ub3cc\uc558\ub2e4. 14\uc77c \uad6d\ubbfc\uc758\ud798 \ubc15\uc131\ud6c8 \uc758\uc6d0\uc2e4\uc774 \uad6d\uc138\uccad\uc73c\ub85c\ubd80\ud130 \ubc1b\uc740 &#8216;\uc804\ubb38\uc9c1 \uc5c5\uc885\ubcc4 \uc0ac\uc5c5\uc18c\ub4dd \uc2e0\uace0\ud604\ud669&#8217;\uc744 \ubcf4\uba74, 2024\ub144 \uadc0\uc18d \uae30\uc900 \ud68c\uacc4\uc0ac\uc5c5 \uc2e0\uace0\uc778\uc6d0 1\ucc9c628\uba85\uc774 \ucd1d 1\ucc9c992\uc5b5\uc6d0\uc758 \uc0ac\uc5c5\uc18c\ub4dd\uc744 \uc2e0\uace0\ud588\ub2e4. 1\uc778\ub2f9 \ud3c9\uade0\uc740 1\uc5b52\ucc9c200\ub9cc\uc6d0\uc774\uc5c8\ub2e4. \ud68c\uacc4\uc0ac\uc5c5\uc740 5\ub144 \ub3d9\uc548 9\uac1c \uc804\ubb38 \uc9c1\uc885 \uc911 1\uc704\ub97c \ub193\uce58\uc9c0 \uc54a\uc558\ub2e4. \ub2e4\ub9cc 2023\ub144 1\uc5b52\ucc9c400\ub9cc\uc6d0\ubcf4\ub2e4 2024\ub144 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/which-advisor.com\/?p=79\" class=\"more-link\">\ub354 \ubcf4\uae30<span class=\"screen-reader-text\"> &#8220;&#8216;\ubcc0\ud638\uc0ac\ubcf4\ub2e4 \ub0ab\ub124&#8217; \ud68c\uacc4\uc0ac \uc18c\ub4dd 1\uc5b52\ucc9c\ub9cc\uc6d0\u2026\uac1c\uc5c5 \uc804\ubb38\uc9c1 1\uc704&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-79","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/79","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=79"}],"version-history":[{"count":1,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/79\/revisions"}],"predecessor-version":[{"id":81,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/79\/revisions\/81"}],"wp:attachment":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=79"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=79"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=79"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}