CONSULTING SERVICES

Preparing and managing workable budget and monitoring cashflows.

Utilizing budget (cash) surplus to funding designated Emergency Funds account.

Executing strategies to eliminate credit card balances or other consumer debts overtime.

Practical initiative and strategies to improve credit score - FICO Score.

Identifying potential opportunities for additional streams of cash inflow.

Understanding and analyzing spending habits to eliminate waste.

Walk you through opening brokerage accounts that meet your need.

Understanding the skills and tools to picking stock.

What to consider when researching and selecting index funds.

Identifying and analyzing ETFs before selection.

Investing in real estate without managing properties! Researching and selecting REITs.

Identifying and selecting securities that pay dividend or have history of paying dividend to investors.

Executing the dollar-cost-averaging investing principle and strategy.

Identify and setup investment goals meeting your investment profile.

Fractional share investing as fund investing strategy.

Reviewing your investment portfolio for performance and rebalancing.

Philosophy and strategies for investing in the upward momentum bull market.

Philosophy and strategies for investing in the downward spiral bear market.

Investing in virtual 'crypto' currency investing.

Understanding  the impact of management expense ratio, administrative and operating expenses in mutual, index and ETFs Funds.

Identifying and selecting fixed income securities.

Understanding the Bond market and investing strategies.

Strategies for managing investment portfolio risk exposures.

Understanding and consideration before investing in the emerging market.

Investing in advanced economies financial markets and businesses.

Investing in inflationary environment and the impact of inflation on investment returns.

Guide you through the process of opening IRA/Roth Brokerage account to fund your retirement.

Review your retirement accounts such as 401k, Roth 401K, IRA, Roth IRA, SEP IRA etc.

Investing in target date retirement vehicle.

Considerations before converting from IRA to Roth IRA.

Understanding the consequences of withdrawing funds from your retirement accounts.

Impact of capital gain tax on investing decisions.

Tax loss harvesting as tax-savings strategy.

Minimizing taxes through tax-advantage investment vehicles.

Settlement of tax debt with the Internal Revenue Service (IRS).

Non-taxable investment vehicles as tax-savings strategies.

Taxes on virtual currency transactions.

Tax returns preparation and reporting. 

Tax audit and dispute representation before the IRS.