Emily Hou

Senior Advisor

Focus: Life insurance · Retirement · Cross-border wealth · Fine jewelry
Licenses: California Life Insurance License #4364772
Languages: 普通话 · English

Emily, known on social media as 思言Emily (Siyan Emily), has nearly 20 years of experience in management consulting, working on business operations, planning and project management. She holds a bachelor’s degree in international business administration.

She comes from a family in the jewelry trade, studied gemology at institutions including the GIA (Gemological Institute of America) as well as in Asian and Chinese programs, and founded TG Jewellery, a bespoke fine jewelry brand. She advises clients on custom pieces and on collecting, appraising and selecting jewelry.

At MMG, Emily works on life insurance, retirement, children’s education, fertility planning, cross-border family finances and wealth transfer. For families that hold jewelry and art collections, she helps bring those assets into the legacy plan as well.

Earn trust through professionalism, and honor every long-term commitment with responsibility.

Book a meeting →Back to team

Questions to bring to Emily

How much life insurance does our family need, and what type fits?
How should we prepare income for retirement?
Our assets are in both the U.S. and China: how should we organize finances and legacy?
What should we prepare early for our children’s education and immigration status?
How should our fine jewelry and collections be appraised, arranged and passed on?

Related services

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.

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.

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.

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.

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.