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团队建设 · 仅供签约伙伴Team Building · Contracted Partners Only产品页讲「这份保单怎么运作」，销售页讲「怎么开口」。 这一块讲的是客户真正会问、而答案不在保单里的那些事： 教育金、税、退休账户、医保。
The product pages explain how a policy works. The sales pages explain how to start the conversation. This section covers what clients actually ask about, where the answer isn't in the policy: education funding, tax, retirement accounts, health coverage.
四幕结构：把账算到吓人、五条钱的来路打掉四条、三个容器并排、三个方案三选一。 含 FAFSA 资产计入表、SAI 区间表，以及 UC 与 USC 逐行拆解。
Four acts: make the arithmetic frightening, knock out four of the five funding routes, put three containers side by side, and close on one of three plans. Includes the FAFSA asset table, the SAI bands, and line-by-line UC and USC breakdowns.
客户讲座 · 35 页幻灯片Client seminar · 35 slides讲给客户听：白卡、奥巴马保险、红蓝卡 2027 年各变了什么， 您家该走哪一张卡，怎么选才不吃亏。每页附可以照着讲的讲稿。
For clients: what changes in 2027 for Medi-Cal, Covered California and Medicare, which one fits the family, and how to choose without overpaying. Every slide has a talk track you can read from.
内部培训 · 约 28 分钟Internal training · 28 min八个模块从长寿风险一路讲到「在退休计划里用税前的钱买寿险」：年金五类、 IRA 与雇主计划的分界、ERISA 四大好处、DC 与 DB、经济利益与两条退出策略。 这一篇是制度知识，不是客户讲稿。
Eight modules running from longevity risk to buying life insurance with pre-tax money inside a plan: the five kinds of annuity, the IRA/employer-plan divide, ERISA's four benefits, DC versus DB, the economic-benefit technique, and two exit strategies. Institutional knowledge, not a client script.
内部培训 · 约 32 分钟Internal training · 32 min收入分类与三段人生、W-2 与自雇各自能动的杠杆、 2026 退休计划对照、Roth 与两种 Backdoor、小企业主的记账与预估税、 RMD 与 Roth Conversion。
How income is classified and the three stages of one life, the levers available on a W-2 and on 1099 income, the 2026 plan comparison, Roth and both backdoors, bookkeeping and estimated tax for small business owners, then RMDs and Roth conversions.
内部培训 · 约 26 分钟Internal training · 26 min财务自由的数学、为什么劝退炒股、税优账户这道护城河、定投与再平衡、 回报顺序风险，以及保险到底放在组合的哪一层。 附录讲 MYGA 与结构性票据，并附一道关于牌照与发行方信用的重警示。
The arithmetic of independence, why ordinary investors shouldn't pick stocks, the tax-advantaged account as the real moat, DCA and rebalancing, sequence-of-returns risk, and exactly which layer insurance belongs in. The appendix covers MYGAs and structured notes, with a hard warning on licensing and issuer credit.
内部培训 · 约 34 分钟Internal training · 34 min全篇的主线是：任何靠「对方不知道」才能成立的安排，都不是规划，是时间差。 FATCA 与 CRS 的分野、实质居留标准、FBAR 与 8938、CRS 2.0 与中国离岸信托新规、 出租房折旧、1031、Step-up 与四个篮子，外加两个新移民最容易踩的坑。
One through-line: any arrangement that only works because the other side doesn't know is not planning. The FATCA/CRS divide, the substantial presence test, FBAR versus Form 8938, CRS 2.0 and China's offshore trust rules, rental depreciation, 1031 exchanges, the step-up in basis, and the four baskets, plus two traps new arrivals hit most often.
内部培训 · 76 页幻灯片Internal training · 76 slides七个模块：旅游医疗、白卡、奥巴马保险与 400% 悬崖、团体与 COBRA、HSA、 红蓝卡 A/B/C/D，再到医疗 × 人寿的四个案例和合规边界。 报价全部是 2027 官方试算。
Seven modules: travel medical, Medi-Cal, Covered California and the 400% cliff, group plans and COBRA, HSAs, Medicare Parts A through D, then four health-plus-life cases and the compliance lines. Every quote is an official 2027 estimate.
内部培训 · 22 页幻灯片Internal training · 22 slides一套 100 万的房子 30 年要付 200 万、月租 $4,000 每月倒贴 $2,445、约 4.6 年才回本； 三套房背着 210 万贷款时，保额该怎么对齐。结论不是二选一，是先后顺序。
A $1 million home costs over $2 million across 30 years, $4,000 rent leaves a $2,445 monthly shortfall, and a sale breaks even after about 4.6 years; then how to size coverage against $2.1 million of mortgages. The answer isn't either-or; it's the order.
之后单讲某个产品或制度的内容，会分别并入产品中心与系统与晋升； 像「先买房还是先买保险」这种跨产品、客户家里常问的选择题，放在这里。
Material about a single product or the compensation system will fold into Products and The System; cross-product questions clients raise at the kitchen table, like "house first or insurance first," live here.
这一块里的税务额度、缴费上限、学费、助学金与社保金额全部有时效， 每一篇都标了它对应的年份。用在客户面前之前请自己核对当期数字。 涉及具体税务与法律问题，一律转给客户自己的持照会计师、税务师或律师。
Every tax threshold, contribution limit, tuition figure, aid amount, and Social Security number in this section is time-sensitive, and each page notes the year it applies to. Check the current figure before using it with a client. Specific tax and legal questions go to the client's own licensed CPA, enrolled agent, or attorney.