Why One Team
A family’s important decisions
rarely sit in just one discipline
Immigration, tax, assets, insurance and legacy form a chain: how you handle one step decides which options remain for the next. Split across separate advisors, each step can look right on its own and still conflict with the others.
01Immigration status
02Tax residency
03Asset structure
04Insurance & trusts
05Legacy
01移民身份Immigration status
The day you receive a green card, or spend enough days in the U.S. to become a tax resident, is where the plan starts. Before filing, you need to know which overseas assets should be dealt with first.
02税务居民Tax residency
Once you are a U.S. tax resident, worldwide income is reported to the IRS and foreign accounts and companies must be disclosed. Handling the same asset before or after that change can mean a very different tax bill.
03资产结构Asset structure
Whose name your property, company shares and savings are held in, and through what structure, determines future income tax, estate tax, and whether those assets are protected in a lawsuit or divorce.
04保险与信托Insurance & trusts
Life insurance can be held inside an irrevocable life insurance trust (ILIT), a trust that cannot easily be changed once set up and exists to own the policy. Structured properly, the death benefit stays outside the estate and can pay estate tax or pass directly to the next generation.
05家族传承Legacy
The final step is passing wealth, businesses and family values to the next generation the way you intend. Tax law and family circumstances change every year, so the plan is reviewed every year as well.
