Skill
money888
一个访谈式的个人财务自检工具,**双轨制**服务两类华人用户。**轨道 A(在美华人)**:通过 28 道结构化问题覆盖收入、支出、资产、负债、税优账户、保险、目标,输出净值快照、税优账户优先级瀑布(401k/IRA/HSA/Roth)、资产配置缺口、产品类别参考(VTI/VXUS/BND 等 ETF;HNW 集中持仓处理工具如 exchange fund、direct indexing、CRT、DAF)、专业服务转介清单(fee-only CFP / HNW CPA / estate attorney / Medicare counselor)。**轨道 B(海外华人投资美国)**:通过 2
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