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EFPS专业服务队伍 / EFPS Specialists

  EFPS(Estate Financial Planning Services,资产财务规划服务)是永明金融公司提供的专门服务。EFPS专家不可持有销售财务产品的执照,而是永明金融领取工资的全职的专业财务规划师,为永明金融的经纪人和他们有需要的客户提供全面的专业的资产规划建议,这包括:资产规划(estate planning), 退休规划(retirement planning), 税务策划(taxation), 投资策略和税务和规划因素考量下的现金管理以及应急规划(investment strategies and money management related to tax and planning factors and contingency planning)。因此,EFPS专家可以为客户做的包括:

EFPS专家服务内容 An EFPS specialist can:

  • - 分析您的财务状况,解释可能的替代方案和选择,并提出建议 (Outline your financial position as it stands, describe the alternatives and options open to you and make recommendations)。
  • - 为了您和您受益人的利益探索提高您的资产价值方法。Explore ways of increasing the value of your assets – for your benefit and for your beneficiaries.
  • - 预估您的资产和遗产的税务责任,寻找研究尽可能减少税务责任的各种方式 (Estimate the tax liability on your holdings and estate. We look at various avenues for minimizing your tax liabilities)。
  • - 审阅您的遗嘱和商业文件,如股东协议(Review your will and business documents such as shareholder agreements)。
  • - 评估您的遗产流动性,并确定是否有足够的现金为您拥有的资产支付最终费用和税费。 这包括对人寿保险和伤残收入保障的评估(Examine the liquidity of your estate and determine if there is enough cash to pay final expenses and taxes from the assets that you have. This includes a review of life insurance and disability income insurance)。
  • - 建议最大限度地提高您退休收入的方法(Suggest ways to maximize your retirement income)。
  • - 探索通过个人和/或商业规划减少税务的方法(Explore ways to reduce taxation through personal and/or business planning)。
  • - 推荐商业和农场继承规划的选择方案(Suggest options for business and farm succession planning)。

  EFPS还就诸如遗产规划、退休计划或相关业务中的具体问题提供咨询。 您可以将您的律师,会计师或其他专业顾问带到讨论中,以确保所有各方都认识到总体情况,而不仅仅是某个方面的角色。 在评估长期财务计划时,协调家庭和商业利益以及法律和财务问题很重要(EFPS also provides consultations for specific problems such as estate planning, retirement planning or related business issues. You can bring your lawyer, accountant or other professional advisors into the discussion to ensure all parties are aware of the total picture, not just their specific role. Co-ordinating family and business interests as well as legal and financial concerns is important when assessing long-range financial plans)

EFPS服务具体过程:

  EFPS服务的做法过程是:Sun Life财务顾问郭柳会安排一位EFPS专家同您的第一次三方会面,在会面中EFPS专家除即时回答您的一些问题外,会收集了解详细信息,审查您 的财务状况。然后,EFPS专家会为您编写一份书面报告,提出涵盖各种目标的建议,并预约同您、郭柳的再次会面,向您介绍和解释他书面报告中的财务计划方案及回答您的问题(Your Sun Life Financial advisor can provide access to an EFPS specialist. One of Sun Life salaried EFPS specialists will meet with you to collect detailed information, review your financial situation and prepare a written report with recommendations covering a variety of objectives. The specialist can then meet with you again to present and explain the financial plan)

  若您在EFPS服务方面有需要,可进一步浏览本站关于财务顾问郭柳 Lynn Liu Guo的介绍或直接同她联系联系我们 Contact us。