ඇ˓తὋ᱆ӑАกᬒᦏ͗Ԧ࣊ஜӠᮉᜆфὋੇ͂࠱ஞ ူᦉѫѻфὋᝧឳᏧ˿ᝌˀඞၶథСᄉก।߿nj
᱆ӑАกᬒѻࠃे
ኃ
ᗛྱѽ࠶ᳫॶੜˋᜁѻᠸϩґੜࠆʹЊ૮ܾ
ྟ
Ԝࣱ తὋ᱆ӑАͰੜክူࡌ3jHJF EV MPHFNFOUὈϡѢʶᮉᜆфὋѻ̽ᗛྱѽ ࠶ʶͮՏԶ$MBVEJP %J (JBNCBUUJTUBᄉܥՏ ᘧᄉᳫॶੜˋὋՓʶͮґੜࠆஂ̶࠱ᤂ Њᄉ૮ܾᠸϩnjͰੜክူࡌϡѢᤇ ᮉᜆфὋ௦˝ځᤇՏੜ˞Ѣሜᄉͮ̅ᗛྱ ѽ࠶1BSL &YUFOTJPOӜ4UVBSUᛣʼᄉͰੜὋᜁ ᝢ߿˝ࠪሜ̠ᄉᢵॶϣऔߚڙӿᬖnj ࣱߢܭὋʶͮՏԶ4BMNBI *EBSᄉݘ বҁࠬܪѢሜМࠟὋݝᝧᒬࣁ֖ ˓ߦߔ ᑞథʶ˓߶ᢵ˧njൣڙᤇௐὋʶͮੜˋ ՓݜᛪᇧὋਜ࠱Фͮ̅1BSL &YUFOTJPOӜ ᄉʶ ܪМࠟѢሜፋݜnjᤇͮ ࡦᄉݘ ߔᛪᇧὋᤇܪМࠟᄉ࿃хᄰॆጁዼὋͭ௦ݜ థᤤસὋ˝ځФ̴ڠழࣂፂʿҁʶܪ Ժ̾ᝧڙͰ̠˓ ͂ݜʶᡐᄉМࠟnj *EBS֖ᤇՏੜˋኣʽ˿ሜጝὋ̅ ࣱ త̾ඇత Њᄉሜ᧚ୂᤈ˿ᤇܪМࠟnj Ͱᤈ˧ՐὋ˿ࡉݜᒬࣁణܷᄉҰҦὋណઁڎ ᤇ˓ڠழஇԪ३Ժ̾Ջᒬࣁ֖ ˓ߦߔࡏ ͰὋͭణጻԵ௦१Ҷnj*EBSԦဗὋᤇܪМࠟᄉ ࿃хʿ௦ʶᓉᄉࢿὋҁᦏܪᑞᄹᖗὋᤆ థᛈᚲᐘᘻὋᏤᴄശᛠὋܖʼҁᦏܪ௦گ วnjݜឬὋМࠟᄉΘපௐறௐϢὋපᴜܿ ఴࡂશʿːὋʶᄯڙໞපὋᏪ˄Ր᫂ʼᄉလ ၔ˶ࡂᜁᆢཇ˿nj ࣱ త ʼӤὋ*EBSஅҁ˿ᗛྱ ѽ࠶ࣉஊउ࠘ᤞᄉʶ͊ᅻnjᅻሥὋࣉ ஊಉտ̾ԢМРӻၶᦉ᫂ڙԜࣂፂ ࠇ࣊Ὃᤇܪథᅋ ͰݒੜӬЊᄉМࠟʿ ̅ࡏͰnjࣉஊᦉ᫂ڙᅻ˖᜵යॸݜᮋ
ᗛ ۡ ၶ า
ࣱ త ኃ య
ఴ ྟ ᠉ ͉ ᎃ ᣣ ʶ Ო
ᎃᣣ ߔᆔ
˗Ջ͗̂ҫ МՂጩሯኡѲ ˓̠᠈ҫѲ ᠈ҫతઐࣱፆ
ႂᑧᘘ
МՂᄅซб
ᐦ͊ᣀᝧ
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̼ူܲࠑγᬖМՂѲὙ
3#$ #.0 442 $BOBEB -JGF &NQJSF -JGF 'PSFTUFST *OEVTUSJBM "MMJBODF .BOVMJGF #MVF $SPTT 4VO -JGF 5SBOTBNFSJDB -JGF FUD
̠γᬖ ᧗ܷႼჀ ͝൴γᬖ ܰγᬖ
˃ˉ֦͗ល ᠈ҫઐᛪѫౡ
᭽పގ$("Ҫૅܷྱ͗࣍
ڍᬄߥၶ ຣଉ̝ 4VQFS7JTB ኍኍ
ᝢᄽːᄉࢹͺখऎ
ሎधᤇ˓ͰܪὋ˝ځᤇܪМࠟʿ̨ॕֽҁ ݜᄉϣऔὋᤆፋᬃᤂࡏඞ֖М͔ᄉ߶К֖ ϣऔࣛ᮲ᬖnjॆὋ֖ݜᒬࣁᄉߦߔ͂ ᜁᤔሎधᤇ˓ͰܪnjॆௐὋࣉஊࢹͺ̠տ նᅻݜὋʿᑞ̯ឞͰࣛܪᡋ͉ʹˋ᜴Ὃځ ˝ᦏࣂፂᜁ౿˿Ὃᤇ̎ˋ᜴ӉહࠑХNj ᛧྫྷNjॕᬶኍὋၴᒯߦߔ͂அᬶᄉᥪᇽ֖ ጭ˶ʿᑞࣛᡋnj Ԝࣱ తὋͰੜክူࡌጻ̅ѻ̽4UV BSUᛣᤇܪतኒᄉੜ˞$MBVEJP %J (JBN CBUUJTUBὋՓ4BMNBI *EBSஂ̶ Њᄉ૮ ܾᠸϩὋᤇФ˖Ӊહ Њᄉ᠈̖૮ܾὋ Њᄉዴᇷ૮ܾὋ̾ԢክူࡌҾ̽%J (JBNCBUUJTUBஂ̶ᄉ ЊᎮব૮ܾᠸ ϩnjᜆѻտ.BSD -BWJHOFڙФኤᆀᄉᜆф ˖ᛪᇧὋʶͮੜˋʶ᠕ڠNj˞Үڠᒬ ࣁੜ̖ᄉ፤એὋ࠱Фሜ̠ᄉၶ֖ϣऔ Ꮅ̅ӿᬖܑڠὋᤇሗϡก௦ʿԺধᝫᄉὋ ࠪᤇͮੜˋឬὋ̴ʶڙᄉ̂ৰԵ௦ அԨሜ᧚nj ࣱ తὋူܪ%J (JBNCBUUJTUBԲܰ ͇ᄉʶͮᜆѻտ˶డϡѢᜆфὋѻ̽%J (JBNCBUUJTUBՓ*EBSڙឞतኒ˖ᄉࡏஂ̶ ͷЊᄉ૮ܾᠸϩὋԓځˀ*EBSʶܷ ᒰᄰՎnjᜆѻտڙᜆф˹˖зҁὋథ ᛪὋᤇಙतኒథॡܲᭉ᜵ᤈᛠጊপ፤ νᄉڠழὋͭ௦ੜ˞ԁᏪʿὋધፏᤈ
ӑᎾᝢ ֵγ ԇ͈ᄯᩘ ఴڠՐ ଋࢹር Ջͺ3#2ႂචࢹርМՂ !०ࢹႂචࢹርథᬌМՂ 5FMὙ !8F %P ႂචࢹርథᬌМՂ 5FMὙ Džᡋङ Ԙੜኍ࠰༤ጆѴ-&%࠰༤ ! &ႂචࢹርథᬌМՂ Džܷԉ ᫂ङཱጆѴ 5FMὙ DžҪෳቢ ڠʽᢻ ं̱ ڣᢻंཱ !γѽࠑࡏఄᑞథᬌМՂ 5FMὙ Ջͺ҃чႂචМՂ Dž࠰༤Njီง༤ !औ࣍ϫႂච 5FMὙ Džܸᔈ࠰༤ጆѴ !ፘᏔчఋ 5FMὙ Džᔈཱچรܖ༤ਕः༤ !&$0/ఋ҃чࢹርМՂ "EEὙ 3VF -BQJFSSF -BTBMMF ) / 4 5FMὙ 5FMὙ 5FMὙ
ᩓཱ
Dž༤ ྠӞ ൄቓ ࡘᇧ಄ၸ-&%༤ክ Džᦤ಄ чᘨ಄ чш಄ՉሗۋՁ-&%༤ክ
ᬀડʷ -&% ཱ
ྫྷˉཱ
ࠑࡏཱ
!"#$%&'(!)"
ᨠᕹ
!"#$%&'%$'!(()*!$+%',%',-..!/%(
ឳКᄽႂߔྟὋͳᰍͳளௐ̼ XXX TJOP.POUSFBM $B OFXTQBQFS
˝ణՋူᄉМሒጩሯழ ႂព & .BJM TUFMMBIBO !HNBJM DPN
Stella Lu Financial Security Advisor
˗Ջ͗
stellalulife@gmail.com
ᛠ፤νnj %J (JBNCBUUJTUBథʶ͊᫁᫁ᄉऄὋФ Ѣሜੜ̖᜵˥௦Ф˖ᄉሜࠆᜁࣉஊउ႟ Ὃ᜵˥௦तኒᜁࣉஊउಉnjࠪὋ%J (JBNCBUUJTUBడܲᡐឃࣉஊउὋ᜵යᝌᬓ ಉ̽nj ࣱὋ᱆ӑАᰳኍกᬒڙМն˖ ઁ̴ሥͺ௦þʶ˓ူᎌᄉॆ̠̂Ὃ̠̽ ၶԍڠᐘၸՂกጆፑÿὋᤇሗሥ֏֖ ϡกڙᰳኍกᬒឬ௦ᄰॆᎫᄉnj ͰੜክူࡌԦᝒ̠%FOJT .JSPOᄉ ឬกὋᒬ̯ ࣱᡐὋ%J (JBNCBUUJTUB๗Ԣҁ ˿ͰੜѢሜށտ͗ᄉ ˓ߔ˧˖Ὃథ ԓնὋ˶థᜁնnjʿὋ̴థᛪὋФ˖ҁ ऄథܲ࠵˓ߔ௦᧪ࠪ%J (JBNCBUUJTUBᏪଡ Ѣᄉઅឃnj.JSPOឬὋᤇ̎᧪̴ࠪᄉ͇˖ ᄉܷܲஜὋᦏ௦ˀМࠟ࿃хథСᄉnj ࣱὋ%J (JBNCBUUJTUBడᜁᤔՓФ Տ ሜ̠ᠸϩᤂ Њᄉ૮ܾὋᤇ ͮሜ ̠ࡏͰ̴̅ͮڙ1BSL &YUFOTJPOӜᄉԲʶܪ థᅋ ˓Ͱ߳ӬЊᄉМࠟ˖njͰڙੜށտ ͗ࠪեయᫍὋ̴ˠൢܾॆὋࠪ థ̠֔הᰅnjՐὋ%J (JBNCBUUJTUBࠪᤇʶ ᜆфଡѢʼឃὋͭణጻܾ̾᠋նጻnj ࣱ తὋ4BMNBI *EBSڙᜁᤔ̯%J (JBNCBUUJTUBᄉ ੜ̖˖႟˧ՐὋՎᒬࣁᄉߦߔʶᡐͰᤈ˿ :.$"ᄉʶ˓ੜᫍnjˏయ˧ՐὋڙʶࠑ᭣ ᄜѽጷጺᄉࣞү˧ʽὋݜҁ˿Ͱੜnj
֦លབጲὙ
ීᢻγᬖ ੜࡓγᬖ ຣγᬖ ߥၶγᬖ 4VQFS7JTB ଉ ̝ ᬖ
͛ᄽὙ ᥪ͇ὙMJTTB UJF!DPVSUJFSTOFU DPN SVF BMMBSE NPOUSFBM ) & -
̽ေܳࠒδᬗНՃֶ̗Ὂʷባर˄ˊҬ˞০ᝍঊ ᤀథՉዜኣᄉధԣ ґ֦លథСੜࡓ ීᢻ
INSURANCE SOLUTIONS
ຣγᬖኍˉҫ
ීᢻγᬖ ੜࡓγᬖ ͌ˉγᬖ ̠γᬖ
XXX TJOPRVFCFD DPN
˖నҫృܢݘߛ֖ܢݘ ႂពẓ ͛ᄽẓ XXX BDDFOUBTTVSBODF DPN ڦڠẓ EF .BJTPOOFVWF 8FTU 4VJUF 8FTUNPVOU 2VFCFD ) ; / ڦڠẓ #PVM /FXNBO -BTBMMF 2$ ) / 9
ᳩ̈́с Zhongbing Li
ࣱܲγᬖ֖᥋̖Ѳፂᰍ ̼ူՉܷγᬖМՂγᬖѲ ˝ᤤસব͈ඊణᰳᄉγᬖֵ̖
'JOBODJBM 4FDVSJUZ "EWJTPS
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!"#$%&"# ॓с
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)!"$%*"$ஏ
QPTUF CQFOH!BMMTUBUF DB
"HFODF EV 2VBSUJFS %JY #SPTTBSE #PVM -FEVD #VSFBV "MMTUBUF *OTVSBODF $PNQBOZ PG $BOBEB ᖌྠཱԺὋၸ"MMTUBUF *OTVSBODF $PNQBOZ థ˧ಕnj
ྗආଉ̝ӝႤγᬖ Dž̠γᬖ
Dž ளሧඞӝႤγᬖ
Dž᧗Ⴠγᬖ
[IPOHCJOH MJ!IPUNBJM DPN
Dž ႐ߥၶӝႤγᬖ
Džஓᐱϱᗧ
న ᠈̖γᬖ ̠ᢵγᬖ ̠γᬖ ҫ ੜࡓγᬖ ᧗ܷႼჀγᬖ ීᢻγᬖ Ю ᫁యએူγᬖ ࠓ ຣଉ̝γᬖ அЙγᬖ
Dž Ҫࡏڍඞຣγᬖ Džγఴ۲᧚
ӝႤγᬖ
ሖࠃγᬖઅᠪᮎ᫇МՂ
̯ˉ ࣱ នζԺ᭤ ҨМẓ үူẓ &NBJMẓ SR@ZBOH!IPUNBJM DPN
#BSDMBZ 4VJUF .POUSFBM 2VFCFD ) 4 ,
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QPTUF NQBO!BMMTUBUF DB
QPTUF MNFOH!BMMTUBUF DB
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