FinPlan 最为稳健的七大投资产品
计划A：保证年利率定存
Plan A: Guaranteed Fixed Deposit
| 定期年限 | 年利率（保证） |
|---|---|
| 3 年 | 5.35% |
| 5 年 | 5.75% |
| 7 年 | 5.80% |
| Term | Guaranteed Annual Rate |
|---|---|
| 3 Years | 5.35% |
| 5 Years | 5.75% |
| 7 Years | 5.80% |
计划B：终身提款机 / 金融出租房 / 401k 转 IRA
Plan B: Lifetime Withdrawal Machine
计划C：退休账户&浮动利息账户
Plan C: Retirement Accounts & Variable Interest
| 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 |
| Period | Estimated Value |
|---|---|
| Now | $100,000 |
| 10 Years | $200,000 |
| 20 Years | $400,000 |
| 30 Years | $800,000 |
| 40 Years | $1,600,000 |
计划D：金融瑞士军刀策略
Plan D: Financial Swiss Army Knife
✅ 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
计划E：最小保费或最大保额产品
Plan E: Minimum Premium or Maximum Coverage
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%.
计划F：资产的特别放大传承
Plan F: Special Asset Leverage for 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
Plan G: Roth Conversion with Special Product
💡 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
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?
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.
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