Services
Each area is handled by a licensed professional and coordinated by a CERTIFIED FINANCIAL PLANNER® professional, so no part of the plan works against another.
Insurance Planning
Many families start with a product illustration. We start the other way around: if one income disappeared, how much would be missing for the mortgage, the children’s education and everyday expenses? Only then do we decide whether to buy, what type, and who should own the policy. Coverage is placed through licensed insurance professionals, and ownership is designed together with the family’s trust and estate plan.
Learn more →Annuity Planning
Clients who ask about annuities usually have a CD that just matured and want a rate locked in for longer, or worry that their savings will run out before they do. An annuity is a contract with an insurance company: you pay in a sum, and the insurer promises to grow it on agreed terms or to start paying you a monthly income at an agreed time, in exchange for limits on taking the money out for several years. As an independent agency not tied to any one insurer, we work out your retirement cash flow and taxes first, then decide whether an annuity fits, which type and how much, and contracts are placed through licensed insurance agents.
Learn more →Retirement Planning
The question we hear most is “how much can I spend each year once I retire?” The answer depends on which accounts your money sits in, when each one is tapped, and how much tax is due on the way out. Our CFP® professional models your 401(k), IRAs, Roth accounts, Social Security and rental income together to build a spending plan that holds up across different market conditions.
Learn more →Retirement Plans for Business Owners
The question business owners ask most is whether, after a few profitable years, there is a way to put more pre-tax money toward retirement than a 401(k) allows. Under 2026 rules, one person can receive at most $72,000 in a 401(k) from employee and company contributions combined (catch-up contributions from age 50 are on top), and saving more usually means adding a DB Plan or Cash Balance Plan, where an actuary calculates the contribution. We help owners decide which combination fits, roughly how much to contribute each year and how to invest plan assets, and we coordinate setup and annual upkeep with partner third-party administrators (TPAs, outside firms that handle plan documents, employee testing and annual filings), actuaries and CPAs.
Learn more →Trust & Legacy Planning
In California, assets not held in a trust at death usually go through probate, a court-supervised process that is public, slow, and carries statutory attorney and executor fees based on the value of the estate. We work with partner attorneys to put living trusts and wills in place, and your planner brings estate tax, cross-border assets and each child’s circumstances into a single legacy plan.
Learn more →Integrated Family Plan
Many families come to us already holding several separate arrangements: a policy, a trust, a few retirement accounts and an immigration timeline from their attorney, but nobody has looked at them together. An integrated family plan does exactly that: we map the family’s assets, income, status and goals, find where arrangements conflict or leave gaps, and set out each step in priority order.
Learn more →U.S.–China Tax Planning
For families who have just immigrated or split time between countries, the most important date on the tax calendar is often the day they become U.S. tax residents, because from then on worldwide income is reported to the IRS. Our enrolled agent and partner CPAs prepare individual and business returns, and work out the tax consequences before decisions like immigrating, selling a home or a company, or receiving a gift from parents.
Learn more →Immigration Planning
Which immigration pathway fits your family is a legal judgment made by our partner immigration attorneys. When to file, and which assets to deal with before filing, is a planning question we work through together with them, because once the green card is granted, the applicant and accompanying family members become U.S. tax residents and must report worldwide income and foreign accounts to the IRS.
Learn more →Investment Management
How a portfolio should be invested depends on when the money will be needed, what it is for, and how much volatility the family can live with. We first lay out the timeline for goals such as retirement, education and a home purchase, set an allocation for each pool of money, and rebalance at each annual review as markets and family circumstances change.
Learn more →Education Planning
Education planning runs on two tracks: your child’s path from kindergarten to university, and where the tuition for all those years will come from. Our education team plans school choices and applications around your child’s interests and record, while your planner builds education funding with tools such as 529 plans and ranks it alongside retirement and home-buying goals.
Learn more →Fertility Planning
Families planning to have children often face medical, legal, language and financial questions at the same time. MMG works with medical institutions in the U.S. and abroad and with partner attorneys to provide lawful, compliant consultation and coordination: helping you understand the options, arranging medical interpretation and appointments, and having partner attorneys handle the legal documents. All medical decisions are made by licensed providers and physicians; MMG does not provide medical services.
Learn more →Real Estate & Lending
Whose name a property is bought in and how it is financed affect loan terms, taxes, estate settlement and asset protection for years afterward. Our licensed real estate and mortgage professionals help you buy and sell homes and investment property and arrange financing for a range of residency and income situations, while your planner checks that the ownership fits the family’s trust and estate plan.
Learn more →