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Investments

Retirement
It is more than just saving money; it is about how to maximize tax savings with a tailored portfolio for you. We can access all public retirement planning financial products (such as, IRAs, 401k, Annuities) for you.
 

Two critical elements in successful retirement planning: 
1. Time
2. Compound Interest Rate

  

Common questions:

                                    1. When should I withdraw money from my 401K, IRAs?

                                    2. Is there a financial vehicle that can secure my assets and generate stable interest income                                          monthly?

                                    3. Should I consolidate my retirement accounts?

                                    4. Which type of IRA is the best? Am I qualified?

                                    5. I already maximize my 401K, what should I do next to maximize my tax saving?

 

                                    

Asset Management
We can help you better manage your cash than if you put it in a bank. There are various financial vehicles for you to temperarily park your cash or make a mid-term investment.
This chart shows you the potential categories you can invest your money and diversify your portfolio

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Common questions:

                                    1. I need cash for my business from time to time, is there a better place than the                                          bank to park my cash?

                                    2. I have a lump sum of money that I may need to use at any time, so where can I                                          put it?

                                    3. Are there financial products from which I can earn tax-free interest and                                          dividends?

                                    4. How can I diversify my portfolio and make it grow in the long run if I don't have                                          to follow the market?

College Savings
Start early! Our professionals can assist you to choose the most appropriate financial product to fulfill your dream for the next generation. Again, start early! You can take advantage of tax benefits by investing into education IRA or 529 plans. In short, earnings in such accounts are tax free if they are used for higher education, such as four-year college. There are limits on tax-free benefit, so please check with tax advisors for details.

  

Common questions:

                                    1. Will education IRA and 529 affect my child's financial aid?

                                    2. I am not sure if my child will go to college or not, so what should I do?

                                    3. What if my child received scholarship and don't need to use savings in the 529 account?

                                   

Attention: Many parents have purchased life insurance contracts to save money for their children's college, and, according to our experience, most of those parents failed to save enough for college through insurance products because insurance products are not tailored for investment purpose.
 

Mutual Funds
We have direct access to all public mutual funds to meet your needs. There are both loaded and no-load funds. Our financial advisors can assist you to choose the right ones for you. As always, we put your goals and best interests first before everything else.

Common questions:     

                                    1. There are A, B, C classes of mutual funds, so what are differences among them?

                                    2. Is there guaranteed return in mutual fund investment?

                                    3. Do I need to pay extra expenses if I purchase mutual funds through a financial                                         advisor?

                                    4. What's a financial advisor's role in a mutual fund portfolio?

 

Please contact our advisors for details.


 

Managed Accounts
After careful analysis of your needs and goals, we put together a specific strategy to secure a long-term growth for your assets. In this type of account, you can have a combination of investment vehicles, such as mutual funds, individual stocks, individual bonds, CDs, and more. Here's an example:

 

Portfolio Review
We offer free consultation for you to get a second opinion from us on portfolios that you have with another companies.

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