这款产品，非常适用于 Convert Roth，就是把您的Traditional IRA，Convert to Roth IRA；后续就没有税务问题，一分钱的税也不用交了，而且也没有RMD （Required Minimum Distribution）的问题----这种Conversion，俗称Back Door.Sample 实际案例数据----这款产品是美国业界可以做为特别传承或者也可做为有增长潜力的终身退休金，而且利用这款产品Convert Roth, 比一般账户Convert 可更多的节省大量的税金！有任何的疑问问题，可以随时联系我们：微信号：Leon_Song_PhDCell：(916) 793-0676Email：Leonsong6@gmail.com
🏦
计划B：终身提款机 / 金融出租房 / 401k 转 IRA
保证终身收入 · 安全增长 · 灵活领取
Plan B: Lifetime Withdrawal Machine
Guaranteed lifetime income · Secure growth · Flexible withdrawals
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📢 北美财税大讲堂
【北美財税大講堂】在我們的協助下，很多客戶已經實現了財富自由 — 未來的退休生活將無憂無慮！
我們的口號是：Living Smart Living Satisfied!
🗓 每周三 一次 Zoom 公益讲座 Wednesday
美西(加州)时间晚 6:00 PT ·
美中(德州)时间晚 8:00 CT ·
美东(纽约)时间晚 9:00 ET
📍 Zoom Meeting ID: 818 3980 4999🔑 Passcode: 9999
🔗 点击注册/进入会议 OR
🔗 https://us02web.zoom.us/meeting/register/OTK5r59URLODa2eWFv5b0A
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在美國上大學，學費是比較高昂的；如果學費繼續上漲，你将如何準備？
如果您的孩子還比較小 那麼未來 您的大學的支出 是要比我以上
這些演示的數據高出很多 請問您準備好了嗎？
有任何的疑问问题，可以随时联系我们：
微信号：Leon_Song_PhD
Cell：(916) 793-0676
Email：Leonsong6@gmail.com
💰
计划A：保证年利率定存
适合追求稳健收益的储蓄方案
Plan A: Guaranteed Fixed Deposit
For savers seeking steady, guaranteed returns
| 定期年限 | 年利率（保证） |
|---|---|
| 3 年 | 5.35% |
| 5 年 | 5.65% |
| 7 年 | 5.60% |
| Term | Guaranteed Annual Rate |
|---|---|
| 3 Years | 5.35% |
| 5 Years | 5.55% |
| 7 Years | 5.60% |
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计划B：终身提款机 / 金融出租房 / 401k 转 IRA
保证终身收入 · 安全增长 · 灵活领取
Plan B: Lifetime Withdrawal Machine
Guaranteed lifetime income · Secure growth · Flexible withdrawals
📈
计划C：退休账户&浮动利息账户
适用于：Roth IRA / SEP / 传统 IRA / 浮动利息现金账户
无费用，保底不丢钱，年均回报约7%
Plan C: Retirement Accounts & Variable Interest
Applicable: Roth IRA / SEP / Traditional IRA / Variable interest accounts — ~7% avg.
| 投资时间 | 账户预估金额 |
|---|---|
| 现在 | $100,000 |
| 10年 | $200,000 |
| 20年 | $400,000 |
| 30年 | $800,000 |
| 40年 | $1,600,000 |
（计算基于7.2%平均年化回报，每十年翻一番）
| Period | Estimated Value |
|---|---|
| Now | $100,000 |
| 10 Years | $200,000 |
| 20 Years | $400,000 |
| 30 Years | $800,000 |
| 40 Years | $1,600,000 |
(Hypothetical calculation based on 7% avg annual return.)
🛠️
计划D：金融瑞士军刀策略
适用于：股票/基金替代、教育金、退休金、传承金
Plan D: Financial Swiss Army Knife
Suited for: alternatives, education funds, retirement, legacy planning
✅ 优点
- ✅ 免税增长
- ✅ 增长潜力大
- ✅ 避免市场下跌
- ✅ 灵活存入资金
- ✅ 方便取用
- ✅ 利差借款功能
- ✅ 退休收入稳定
- ✅ 不影响助学金
- ✅ 免债，生前福利保障
✅ Advantages
- ✅ Tax-advantaged growth
- ✅ High growth potential
- ✅ Downside protection
- ✅ Flexible contributions
- ✅ Easy access
- ✅ Loan features
- ✅ Stable retirement income
- ✅ Does not affect financial aid
- ✅ Multiple living benefits
⚠️ 注意事项
- ⚠️ 需要空杯心态学习
- ⚠️ 需要长期承诺
- ⚠️ 需要合理设计结构
- ⚠️ 不是快速致富工具
⚠️ Considerations
- ⚠️ Requires an open mind to learn
- ⚠️ Requires long-term commitment
- ⚠️ Needs proper structuring
- ⚠️ Not a get-rich-quick solution
注：该策略适用于中长期资产规划，请咨询专业顾问进行结构定制与规划。
Note: Suitable for medium/long-term planning. Consult a professional for custom design.
🛡️
计划E：最小保费或最大保额产品
为您量身选择最优人寿保险方案
Plan E: Minimum Premium or Maximum Coverage
Tailored life insurance solutions for your needs
针对 Term、GUL、GIUL、Whole Life 或 FIUL，我们比较全美 A 级公司，为您挑选
- 保额固定时，最小保费的产品
- 保费固定时，最大保额的产品
💡 极致追求保险放大系数最大！
注：FIUL 回报率非保证，通常以约 6% 假设值比较
For the life insurance you desire — such as Term, GUL, GIUL, Whole Life, or FIUL — we compare all A-rated companies across the U.S. to help you choose:
- When coverage is fixed: the product with the lowest premium
- When premium is fixed: the product with the highest coverage
💡 Ultimate pursuit of the highest insurance leverage ratio!
Note: Some FIUL figures are non-guaranteed. For fair comparison, we typically use the insurer’s commonly applied return rate, often around 6%.
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计划F：资产的特别放大传承
非保险方式 · 零费用放大 · 可无税传承
Plan F: Special Asset Leverage for Legacy
Non-insurance · Zero-cost leverage · Tax-free legacy
若您不投保人寿保险，或保险公司 Offer 不理想，我们可用零费用的特殊方案放大并传承资金
若使用退休账户资金，还能实现免税传承；您也可选择领取终身退休金
Without using life insurance — or if you do not wish to, cannot qualify, or the insurer's offer does not meet your expectations — we can leverage other products, with zero cost, to magnify and pass on your wealth!
If the funds come from your retirement account, it can even be passed on tax-free! Of course, you may also choose to keep the product for yourself and receive lifetime retirement income.
🏛️
计划G：依托特别产品的 Roth Conversion
更好的税务优化 · 退休规划 · 财富传承
Plan G: Roth Conversion with Special Product
Better Tax Optimization · Retirement Planning · Wealth Legacy
💡 想合法节省税金、实现终身递增退休金，或无需保险即可免税放大传承财富吗？
🔥 我们有一款产品，非常适合 Roth Conversion（俗称 BackDoor），完成后免税且无 RMD
🔥 更好的税务优化、退休规划与财富传承工具：
一分钱税也不用交
一分钱税也不用交
📈 它是美国增长潜力领先的终身退休金工具，相较一般账户转换，还能节省更多税金
💡 Do you want to legally and reasonably save a large amount on taxes?
💡 Want a better retirement plan with lifetime income — as long as you live, you get paid, and your retirement income increases every year?
💡 Or are you interested in passing on wealth tax-free without using life insurance?
🔥 A better tool for tax optimization, retirement planning, and wealth legacy:
There is a special product that works perfectly for Convert Roth — converting your Traditional IRA to a Roth IRA.
After conversion, you pay zero taxes and there are no RMD (Required Minimum Distribution) issues.
This conversion is commonly called a BackDoor.
There is a special product that works perfectly for Convert Roth — converting your Traditional IRA to a Roth IRA.
After conversion, you pay zero taxes and there are no RMD (Required Minimum Distribution) issues.
This conversion is commonly called a BackDoor.
📈 This product is not only one of the fastest-growing lifetime income solutions in the U.S.,
but using it for a Roth Conversion can save you more taxes than a regular account conversion.
