Investment Planning

  • Is your investment strategy aligned with your goals?
  • Does the amount of risk you are taking match your risk profile?
  • Should you invest in the U.S. or China?
  • What investment vesicles should you choose? Individual stocks, individual bonds, mutual fund or exchange-traded funds?
  • Do retirement accounts make sense to you?

Retirement Planning

  • What does retirement mean to you?
  • Where and when do you want to retire? Are you going to be able to afford it?
  • How can you or your family members get Social Security benefits? How much are you going to receive? Can you still receive your benefits when you live outside the U.S.?

Education Planning

  • How much should you save for college?
  • What is the most efficient way for you to save for college?
  • Who is eligible for and how to get financial aid or merit-based scholarships?

Estate Planning

  • What is probate? What assets can avoid probate?
  • Is your beneficiary information up to date?
  • What estate planning documents do you need now?
  • Are you subject to U.S. estate and gift tax?
  • Who should own what? How to title your assets correctly?
  • How to transfer money to the next generation in a tax-efficient way?

Business Planning

  • Can you start a business as a Non-U.S. citizen?
  • What entity type should you choose when setting up your own company?
  • What is the process of getting your company registered?
  • Should you hire a CPA to do the tax and accounting work for your business? 
  • Should you set up your retirement plan, health insurance or disability insurance through your own company?
  • What is your exit strategy?
  • How to increase the value of your business?


Financial Goals 

  • What are your short, mid and long-term goals?
  • Are there any other possibilities worth exploring? 
  • Are you on track to achieve your goals? 

Cash Flow and Debt Management

  • Are you spending the money on the things most important to you?
  • What is your credit scores and how to improve it? 
  • What are the best credit cards with free money?
  • Should you lease or buy a car?
  • Should you buy a home or continue to rent?
  • What type of mortgage should you get and how much can you get?

Employee Benefits Optimization

  • Are you taking advantage of all the benefits at work?
  • How to choose your benefits such as health insurance, flexible spending accounts, disability insurance, retirement plans, stock options, etc.?
  • Should you take group benefits at work or get individual coverage outside the work?
  • How to compare different offer packages when changing jobs?

Risk Management and Insurance Planning

  • What risks should you retain and what risks should you transfer to someone else?
  • Do you need some life and/or disability insurance? How much do you need? What type of policy is best for you?
  • Can you get life insurance in the U.S. as a Non-U.S. citizen? Should you get it in the U.S. or in China?
  • What and how much coverage do you need for auto, renters/homeowners, and umbrella policies?

INCOME Tax Planning

  • If you are a Non-U.S. resident, do you need to file tax returns? And what do you need to prepare before you are subject to the U.S. tax?
  • Do you have foreign income and/or foreign assets? How to handle it in the most tax-efficient way?
  • Should you use tax software or hire a CPA?
  • Are you taking advantage of all tax savings opportunities?
  • Should you pay taxes now or defer it to the future?