MaxLife Academy of Personal Finance Science万福财商学堂 · 财商科学
We spread disruptive, scientific financial literacy — then build a complete, customized strategy around your family using annuity and life insurance products from top U.S. carriers. Low-risk, steady growth, tax-efficient, with high lifetime passive income. 传播颠覆性科学财商知识，并基于美国各大金融公司最优的养老年金保 / 万能病寿保产品，为您的家庭量身定制整套突破性财务解决方案。低风险、更稳健、省心、低税、高额的终身永续被动收入。
✓ No cost · ✓ No obligation · ✓ English / 中文 ✓ 完全免费 · ✓ 无任何义务 · ✓ 中英文双语服务
Most families optimize one variable. The MaxLife Strategy optimizes all of them at once. 大多数家庭只优化其中一项。万福策略可以同时优化财富方程的所有参数。
Learn · Act · Earn学习 · 行动 · 创业
Knowledge + Action = Success. Start as a learner, become a client, and — if you want it — build a business of your own. 知识 + 行动 = 成功。从学员开始，成为客户，最终也可以成为创业伙伴。
Be our classmate — or our teacher. Enrollment is free for anyone from any background, with access to a full range of topics that reshape how you think about personal finance, business startup, and personal growth. 成为学员或讲员。任何背景、想要自我提升的朋友都可以免费加入，全方位提升财富思维认知，学习生意创业新途径，或充电个人成长。
Explore classes查看课程Be our client. We allocate your financial resources strategically and scientifically — for maximum asset growth, a high lifetime income stream, and full-range protection, while staying low-risk, tax-efficient, liquid, and worry-free. 成为客户。我们帮您科学、策略性地配置财务资源，实现资产最大化增值、高额终身收入与全方位保障，同时低风险、省税、灵活变现、省心无忧。
See our services查看服务Be our partner. Join as an independent business owner — from a self-employed start to a multi-franchise organization — with low risk, low cost, and freedom of time and location. 成为伙伴。以独立创业者身份加入，从一个人的金融创业开始，最终发展为强大的加盟团队，低风险、低成本，收获时间与地点的自由。
See the opportunity了解商机What We Serve我们的服务
MaxLife Academy is a franchised financial education and service agency. Our team of 30+ financial professionals, CPAs, attorneys, insurance agents, and personal development coaches builds around your family, not around a sale. 万福财商学堂是一家加盟制的金融教育与服务机构。30 多位理财师、注册会计师、律师、保险经纪与个人成长导师组成的团队，围绕您的家庭需求量身定制，而非围绕一笔交易。
Specially designed annuity and life insurance plans from well-established U.S. carriers — engineered for maximum asset accumulation, lifetime income, and lifetime protection. 代理美国各大金融公司的养老年金保与万能病寿保产品，进行客制化、最优化设计，实现财富最大化积累增值、终身收入与终身保障。
Smarter approaches to daily spending, college funding, financing, entrepreneurship, tax savings, retirement, critical illness, long-term care, charity, and estate transfer. 覆盖消费、大学、融资、创业、税务、养老、重疾、长护、公益、传承等全部家庭财务需求，逐项提出更优方案。
Alternative plans on health insurance, dental, Internet, mobile, electricity & gas, travel, and home security from top U.S. service providers. 代理医保、牙医、宽带、移动、电力、煤气、旅行、家庭安防等美国各大服务商的优惠计划，为您节省 10–60% 的家庭刚需消费。
Our process: uncover your real needs → financial literacy education → build the plan scientifically → implement and optimize → lifetime free consultation. 服务流程：需求挖掘 → 财商教育 → 科学制定计划 → 实施优化 → 终身免费咨询。
Our Method我们的方法
Every family's daily financial activity runs on the same underlying law — the Universal Wealth Equation. Master its eight variables, optimize each one deliberately, and household finance becomes a solvable system rather than a guess. 每人每天的财务活动，都是围绕「广义财富方程」这个基本规律在运行。只有掌握方程中的八大参数，并针对每一项逐个实施优化，才能系统化地实现家庭财务最大化。
Beyond qualitative discussion, we use formulas, charts, and quantitative model simulations to compare financial instruments side by side — proving how the optimal plan outperforms traditional approaches, rather than assuming it. 除了定性分析与陈述外，我们用公式方程、数据图表、模型模拟进行定量化、系统化的比较，来证明最优方案如何优于传统理财，而非先入为主或泛泛而谈。
Walk through all eight levers逐项了解八大参数Giving Back公益慈善
We donate 20% of profit to a charity foundation supporting students and elderly people in need, promoting financial literacy, seeking true faith, and lessening the impact of human living on the environment. 每年捐赠 20% 盈利于公益基金会，支持帮老助学，倡导健康生态，信仰真理，提升大众财商认知。
Visit the foundation访问基金会Start Here从这里开始
Book a free, no-obligation Zoom consultation. We will walk through your goals and show you — with numbers — what a fully optimized plan would look like for your family. 预约一次免费、无义务的 Zoom 咨询。我们会梳理您的财务目标，并用具体数据向您展示一份全面优化的方案是什么样子。