Consultation免费咨询
A free discussion. Any question on family finance or entrepreneurship, an introduction to the Universal Wealth Equation, and an overview of the MaxLife Strategy. 自由讨论，完全免费。家庭财务或创业的任何问题、广义财富方程的介绍，以及万福策略 (MaxLife Strategy) 的整体讲解。
Product Offering产品与服务
Eleven Ways We Can
Work Together十一项服务
总有一项适合您
Every engagement starts with a free conversation. From there, the plan is assembled from whichever of these pieces actually fit your family — never a pre-packaged product. 一切都从一次免费的交流开始。之后，我们只从这些模块中挑选真正适合您家庭的部分来组装方案 —— 绝不是一个预先打包好的产品。
MaxLife Fund万福基金 MaxLife
A Fixed Index Universal Life insurance policy. Can be weighted toward insurance protection, toward asset accumulation and income, or anywhere in between. 指数型万能寿险保单 (FIUL)。可以偏重保险保障，也可以偏重资产积累与收入，或介于两者之间的任意配置。
MaxRetire Fund养老年金 MaxRetire
An annuity contract. Can be weighted toward guaranteed lifetime income, toward asset accumulation and estate, or somewhere between. 年金合约 (FIA)。可以偏重保证终身收入，也可以偏重资产积累与遗产传承，或介于两者之间。
Living Benefits生前福利
Long-term care and chronic illness, critical illness and injury, and terminal illness — benefits you can access while you are alive. 长期护理与慢性疾病、重大疾病与意外伤害、绝症 —— 这些都是在世时即可动用的保障福利。
Self-Financing自我融资
A revolutionary, smart leveraging tool — own a bank yourself, and run the BRRRR cycle on your own equity. 颠覆性的智能杠杆工具 —— 相当于自己开一家银行给自己用，并可对自有净值运行 BRRRR 循环。
Private Foundation私人公益基金会
A non-profit entity running a three-win charity strategy — donee, donor, and government all gain — and a home for your family's philanthropic mission. 非营利实体，实施三赢的公益策略 —— 受赠方、捐赠方与政府三方共赢，同时承载家族的慈善使命。
Tax Reduction税务优化
Start from the tax equation, then work through holistic reduction strategies across income, sales, capital gains, and estate tax. 从税务方程出发，系统性地优化收入税、消费税、资本利得税与遗产税。
College Tuition大学费用
The myths about the cost of higher education — and how to save big on tuition by planning the out-of-pocket portion early. 拆解高等教育费用的种种误区，并通过提早规划自付额，每年省下可观的大学学费。
Huge Savings刚需省钱
Discounts on essential household bills, plus an alternative healthcare sharing plan that runs well below traditional medical insurance. 家庭刚需账单的各项优惠，以及远低于传统医疗保险的健康互助计划。
Estate Planning遗产规划
Transfer assets the way you intend, using a living trust — and structure the plan to reduce estate tax. 通过生前信托 (living trust) 按您的意愿传承资产，并通过结构设计降低遗产税。
Franchise创业加盟
Start your own franchise business in financial services, on a proven platform, at low cost and low risk. 在成熟平台之上，以低成本、低风险开创属于自己的金融服务加盟生意。
The Two Core Strategies两大核心策略
MaxLife or MaxRetire?万福策略，还是养老年金？
Both are built on well-established products from top U.S. carriers, then customized. Which one leads — and in what proportion — depends entirely on where you are and what you need. 两者都基于美国各大金融公司成熟的产品，再进行客制化设计。以哪一个为主、按什么比例配置，完全取决于您所处的阶段与真实需求。
MaxLife — FIUL LifeMaxLife —— 特制万能病寿保
- Accumulation-led design (B)以资产积累增值为主 (B)
- Perpetual tax-free income (A)终身免税收入 (A)
- Policy loans for spending or investing (D)可贷款用于消费或投资 (D)
- Chronic, critical, terminal illness and death benefit (F)慢疾、重疾、绝症与身故保障 (F)
- 0% floor in a down market市场下跌时保底 0% 回报
MaxRetire — FIA AnnuityMaxRetire —— 优选养老年金保
- Guaranteed lifetime income (A)保证终身领取的收入 (A)
- Transfers longevity risk to the carrier (F)将长寿风险转移给保险公司 (F)
- Asset accumulation and estate focus兼顾资产积累与遗产传承
- A destination for an existing 401(k) rollover可作为现有 401K 转入的去处
- No market risk on principal本金无市场风险
Start Here从这里开始
Not Sure Which Applies to You?不确定哪一项适合您？
That is exactly what the free consultation is for. No cost, no obligation, in English or 中文. 这正是免费咨询要解决的问题。完全免费、无任何义务，中英文均可。