I’m the founder of Finova Wealth Management, Edunova Foundation and Technova, dedicated to helping individuals and families achieve financial clarity, stability, and growth. With a Ph.D. from Harbin Institute of Technology and Postdoc at Tsinghua University, I apply advanced data and analytical expertise to financial and strategic solutions.
I provide integrated support in tax efficiency, wealth building, Retirement Plan, insurance, Real Estate, College Admissions Consultant,and etc.
I lead the development of an AI-driven fintech platform to expand accessible, network-based financial services across the U.S. and globally.
Living Smart, Living Satisfied — let’s build financial futures together.
I held leadership roles at Emerson and Huawei, with extensive experience in team and project management, backed by a PMP certification.
I have invested in real estate, manufacturing, and a diversified portfolio of financial assets including stocks, options, mutual funds, and notes.
I leverage market analysis and data-driven insights to guide informed investment decisions for diverse clients.
Quality is my top priority, backed by 10+ years of experience in quality assurance, tax, and insurance services.
Providing tailored strategies for risk management, tax savings, and funding retirement or education to achieve your financial goals.
I developed the Marketing Platform — work together, grow as a team, earn based on ability, build your own business, and manage it your way.
Certified Field Trainer supports your start, guiding you toward a strong career in finance with a team that drives your growth.
We provide tailored financial solutions and real estate services for clients across the U.S. and globally.
Tax, real estate, insurance, and retirement plans to protect family and grow your assets.
We’re always here for you — anytime, anywhere. Contact us with any questions or concerns.
Plan Smarter, Retire Stronger!【专题系列讲座】--「乐享百岁人生」第四讲 美国社安金 Social Security Benefit.人生下半场越来越长！您想优化未来与高质量的退休生活吗？Living Smart, Living Satisfied钞能财税（Finova Wealth & Tax），您的财富，税务与退休养老专家平台！
有任何的疑问问题，可以随时联系我们：
微信号：Leon_Song_PhD
Cell：(916) 793-0676
Email：Leonsong6@gmail.com
#rothira , #rothconversion, #convertroth, #retirementplanningtips, #retirementplanning , #taxstrategy, #financialfreedom, #retirementincome,#退休理财, #税务规划, #美国税务, #退休计划, #财富自由,#钞能财税, #北美财知晓, #LivingSmart, #FinovaWeathTax
Trust信托与美国资产配置：什么是生前信托Living Trust？什么是家庭信托Family Trust？为什么要做 生前信托Living Trust？1. 避开遗产验证2. 按照自己的心愿做财产的分配Living Smart, Living Satisfied钞能财税（Finova Wealth & Tax），您的财富，税务，教育与退休养老专家平台！有任何的疑问问题，可以随时联系我们：微信号：Leon_Song_PhDCell：(916) 793-0676Email：Leonsong6@gmail.com
【专题系列讲座】--「计划实例与总结」本人开发了大学助学金计算器，内嵌在个人的网站中，如果您感兴趣，直接点击https://www.lsfinova.com/aidLiving Smart, Living Satisfied钞能财税（Finova Wealth & Tax），您的财富，税务，教育与退休养老专家平台有任何的疑问问题，可以随时联系我们：微信号：Leon_Song_PhDCell：(916) 793-0676Email：Leonsong6@gmail.com#educationfund #collegeplanning #529plan #educationfinance#大学教育基金 #教育储蓄计划 #美国教育账户 #子女教育#钞能财税 #北美财知晓 #LivingSmart #FinovaWeathTax
| 定期年限 | 年利率（保证） |
|---|---|
| 3 年 | 5.35% |
| 5 年 | 5.55% |
| 7 年 | 5.40% |
| Term | Guaranteed Annual Rate |
|---|---|
| 3 Years | 5.40% |
| 5 Years | 5.55% |
| 7 Years | 5.60% |
| 投资时间 | 账户预估金额 |
|---|---|
| 现在 | $100,000 |
| 10年 | $200,000 |
| 20年 | $400,000 |
| 30年 | $800,000 |
| 40年 | $1,600,000 |
| Period | Estimated Value |
|---|---|
| Now | $100,000 |
| 10 Years | $200,000 |
| 20 Years | $400,000 |
| 30 Years | $800,000 |
| 40 Years | $1,600,000 |
针对 Term、GUL、GIUL、Whole Life 或 FIUL，我们比较全美 A 级公司，为您挑选
💡 极致追求保险放大系数最大！
注：FIUL 回报率非保证，通常以约 6% 假设值比较
For the life insurance you desire — such as Term, GUL, GIUL, Whole Life, or FIUL — we compare all A-rated companies across the U.S. to help you choose:
💡 Ultimate pursuit of the highest insurance leverage ratio!
Note: Some FIUL figures are non-guaranteed. For fair comparison, we typically use the insurer’s commonly applied return rate, often around 6%.
若您不投保人寿保险，或保险公司 Offer 不理想，我们可用零费用的特殊方案放大并传承资金
若使用退休账户资金，还能实现免税传承；您也可选择领取终身退休金
Without using life insurance — or if you do not wish to, cannot qualify, or the insurer's offer does not meet your expectations — we can leverage other products, with zero cost, to magnify and pass on your wealth!
If the funds come from your retirement account, it can even be passed on tax-free! Of course, you may also choose to keep the product for yourself and receive lifetime retirement income.
💡 想合法节省税金、实现终身递增退休金，或无需保险即可免税放大传承财富吗？
🔥 我们有一款产品，非常适合 Roth Conversion（俗称 BackDoor），完成后免税且无 RMD
📈 它是美国增长潜力领先的终身退休金工具，相较一般账户转换，还能节省更多税金
💡 Do you want to legally and reasonably save a large amount on taxes?
💡 Want a better retirement plan with lifetime income — as long as you live, you get paid, and your retirement income increases every year?
💡 Or are you interested in passing on wealth tax-free without using life insurance?
📈 This product is not only one of the fastest-growing lifetime income solutions in the U.S.,
but using it for a Roth Conversion can save you more taxes than a regular account conversion.
每周三 Zoom 公益讲座 · 线上直播
钞能财税（Finova Wealth & Tax），您的财富，税务与退休养老专家平台！
钞能财税，更贴心更安心： Plan Smarter Retire Stronger
【Zoom 专题系列讲座】
第一个系列 First Season：美国资产配置系列
每周三晚上
主要包括Trust信托，境内外投资，移民前后资产规划，Financial Plans
第1期First Episode----信托与美国资产配置
第二个系列 Second Season：退休规划之退休金系列
第1期First Episode----High Guaranteed 保证型年金
周三晚上：PPT讲解概念、原理、产品定位、优势劣势
下周三晚上：业界A级公司对比，模拟演示，实际案例
帮助您实现高的永续终身现金流
第三个系列 Third Season：房地产的发展与投资
重点是房地产税务，房地产投资的形式，适合投资的城市等
第四个系列 Forth Season：大学申请与教育账户
重点是大学申请与教育，大学教育助学金计算与申请，大学教育基金，美国教育账户等
可以帮助您多得助学金
第五个系列 Fifth Season：税务优化，提早合法合理避税
每年为您节省大量税金；税务相关的法律与知识普及；报税服务等
口号：钞能力，财知晓！ Living Smart, Living Satisfied
📅 每周三 晚上 6:30（美西时间）
美西(加州) 6:00 PM · 美中(德州) 8:00 PM · 美东(纽约) 9:00 PM
您将跳转至 Zoom 官方注册页面，您的个人信息仅由 Zoom 保存和处理。
|
|
自住房，如果出租，在Section 121 法规下，如何折算？两个关键点：1. Nonqualified Use 比例折算，根据Section 121 法规：可免税比例=合格自住时间/总持有时间2. 折旧回收（Depreciation ）永远不能免税北美财知晓，是钞能财税 Finova Wealth & Tax平台旗下的Youtube Channel 视频频道，欢迎大家订阅，点赞与转发！有任何的疑问问题，可以随时联系我们：微信号：Leon_Song_PhDCell：(916) 793-0676Email：Leonsong6@gmail.com#realestate, #realestatetips,#realestatetax, #propertyinvestment, #capitalgainstax, #房地产,#美国房产,#节税, #钞能财税, #北美财知晓, #LivingSmart #shorts
Participating Cambridge Lee Project in Reading, Pennsylvania
Resident Insurance Producer and Realtor
TransGlobal Holding Company
