Not One ProblemA family’s important decisions
rarely sit in just one discipline
Status, retirement, insurance, tax and legacy form a chain: how you handle one step decides which options remain for the next. Split across separate advisors, each step can look right on its own and still conflict with the others.
01 / 05 · 移民身份Immigration Status
From the day you receive a green card, or spend enough days in the U.S. to become a tax resident, worldwide income is reported to the IRS. Status also sets your estate tax exemption: in 2026, $15 million per U.S. citizen or green card holder, but only $60,000 on U.S. assets for a non-resident.
02 / 05 · 退休规划Retirement Planning
Retiring in the U.S. starts with how much Social Security you will receive and whether Medicare Part A is premium-free (usually about ten years of work credits), then which accounts to draw from — 401(k), IRA or Roth — and when. The order of withdrawals directly changes each year’s tax.
03 / 05 · 保险保障Insurance Protection
Retirement and legacy plans both assume the main earner and the assets stay intact. Life insurance protects the family’s income, long-term care insurance and annuities handle longevity and care costs, and at the legacy stage a policy is the most common way to have cash ready for estate tax.
04 / 05 · 税务筹划Tax Planning
For families with income or assets in both the U.S. and China, retirement withdrawals, selling a home or business, and gifts from parents all need to be viewed under both tax systems. Different timing and ownership can mean a very different tax bill.
05 / 05 · 家族传承Family Legacy
Finally, wills, trusts and beneficiary designations turn those decisions into one legacy plan, so wealth and businesses pass to the next generation the way you intend. Tax law and family circumstances change every year, so the plan is reviewed every year as well.
