综合家庭方案
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.
FAQ
Questions families ask
When is an integrated plan worth it rather than solving one problem?
If the question sits in one area, such as how much life insurance you need, a single service is enough. But when family members have income or assets in two countries, a green card is in process or newly granted, you own a business, or you already have policies and trusts and are unsure they fit together, one decision usually affects several areas, and planning the whole first costs less and avoids rework.
What does the plan cover?
Usually five parts: a timeline for immigration status and tax residency; retirement cash-flow modelling, meaning how much you can spend each year and which accounts to draw from; an insurance gap review; U.S.–China tax effects; and whether wills, trusts and beneficiary designations agree. It ends with a prioritised action list that states what each step is, why it matters and what happens if it is not done.
What should I prepare?
Typically family members’ status details, the last two years of tax returns, account statements, existing policies, trust and will documents, and an outline of overseas assets. You can start with incomplete records; the first meeting identifies which information matters most for your decisions.
How is the plan carried out?
Each step is handled by the right professional: insurance by our licensed team, legal documents by partner attorneys, tax filings by an enrolled agent or partner CPA, with the lead planner coordinating the order. Tax law, family and assets change every year, so we review the plan with you annually.
