MaxLife Academy of Personal Finance Science万福财商学堂 · 个人理财科学
Low-risk, steady-growth, tax-efficient strategies that create lifetime income and full-range protection — for your family's education, retirement, healthcare, and legacy. 低风险、稳增长、省税高效的理财策略，为您的家庭创造终身收入与全方位保障 —— 涵盖子女教育、退休养老、医疗健康与财富传承。
✓ No cost ✓ No obligation ✓ English / 中文 ✓ 完全免费 ✓ 无任何义务 ✓ 中英文双语服务
Most families only optimize one or two variables. We help you optimize all eight.大多数家庭只优化其中一两个变量，我们帮您全面优化所有八个变量。
Why MaxLife Academy为什么选择万福
We are not product pushers. We are educators and strategists who help you understand your money before you move it.我们不是推销产品，而是先帮您真正读懂自己的财务，再制定科学的策略。
Free workshops and courses on Personal Finance Science — taxes, retirement, college funding, insurance, and entrepreneurship — taught in plain language, in English and Chinese.免费讲座与课程，涵盖税务优化、退休规划、大学教育基金、保险与创业 —— 中英双语，通俗易懂。
A team of 30+ financial professionals, CPAs, attorneys, and insurance experts builds a plan around your family — not a one-size-fits-all product.30多位理财师、注册会计师、律师和保险专家组成的团队，为您的家庭量身定制方案，而非千篇一律的产品。
Low-risk, steady-growth, tax-efficient vehicles designed to produce a high lifetime income stream with full-range protection for every life stage.低风险、稳增长、省税高效的理财工具，为人生每个阶段提供终身收入与全面保障。
💛 We donate 20% of our profits to charity — supporting students, elderly in need, and financial literacy for all.💛 我们将 20% 的利润捐赠慈善基金 —— 资助学生、帮助有需要的长者、推广全民财商教育。
Our Services我们的服务
Every variable in the Wealth Equation is a lever we can pull for you.财富方程式中的每个变量，都是我们为您优化的杠杆。
Guaranteed income streams you can never outlive.保证终身领取、活多久领多久的收入流。
Steady, protected growth without market losses.锁定收益、免受市场下跌损失的稳健增长。
Save 10–60% on essential household bills.家庭必需开支节省 10–60%。
Become your own bank with strategic borrowing.善用策略性借贷，做自己的银行。
Legally reduce taxes and maximize financial aid.合法省税，最大化大学助学金资格。
Life, long-term care, chronic and critical illness coverage.人寿、长期护理、慢性病与重疾全面保障。
Strategies that keep your purchasing power growing.让购买力持续增长的抗通胀策略。
Set it up once — we review and adjust with you for life.一次配置，终身陪伴式年度检视与调整。
Solutions & Products解决方案与产品
Fixed Index Universal Life (FIUL)指数型万能寿险 (FIUL)
Fixed Indexed Annuity (FIA)指数型固定年金 (FIA)
Long-term care, chronic, critical & terminal illness coverage — use your benefits while you're alive.长期护理、慢性病、重疾与末期疾病保障 —— 生前即可使用的保险福利。
A smart leveraging tool to build your personal bank and power strategies like BRRRR real-estate investing.革命性的智慧杠杆工具，打造私人银行体系，助力 BRRRR 房产投资等策略。
Holistic, legal tax strategies that can save families thousands every year.全面、合法的省税避税策略，每年为家庭节省数千美元。
Asset structuring to maximize financial aid and cut out-of-pocket college costs.通过资产结构优化，最大化助学金资格，大幅降低自付学费。
Living trusts and transfer strategies that minimize estate taxes and protect your legacy.生前信托与传承策略，降低遗产税，守护家族财富。
The "3-Win" charity structure — benefits for the donee, the donor, and society.「三赢」慈善策略 —— 受赠人、捐赠人与社会共同受益。
Save 10–60% on health plans, internet, mobile, utilities, dental, and travel.健康保险、网络、手机、水电、牙科、旅游等开支节省 10–60%。
Free Financial Education免费财商教育
Join free webinars and workshops through the 9Fortunes Wealth Club platform. No sales pitch — just knowledge you can use immediately.通过九福财富俱乐部平台参加免费网络讲座与工作坊。没有推销，只有立即可用的知识。
Free forever · Look for "Classes" after login永久免费 · 登录后点击「Classes」开始学习
"The best investment you can make is in your own financial education. Everything else compounds from there.最好的投资是投资自己的财商教育，其余的一切都将由此复利增长。"
Franchise Opportunity创业加盟机会
Build your own financial-services business in an underserved blue-ocean market — the Chinese-American community — with earning potential beyond $1M.在华人社区这片尚待开发的蓝海市场，建立属于您自己的金融服务事业 —— 收入潜力超过百万美元。
Start part-time with little upfront cost. Keep your day job while you build. A proven platform, FinTech tools, training, and expert mentorship are all provided.几乎零成本起步，可兼职经营。成熟的平台、金融科技工具、系统培训与专家指导一应俱全。
Earn commissions from your own clients plus overrides from the team you build — income that keeps paying year after year.既有个人客户佣金，又有团队业绩分红 —— 年复一年持续增长的收入。
Become a financial education consultant, insurance broker, loan advisor, or build your own chain of financial-service teams under a proven model.可成为财商讲师、保险经纪、贷款顾问，或依托成熟模式打造自己的金融服务连锁团队。
Questions & Answers常见问题
Our founder has 8+ years as a financial educator and strategist, serving 200+ premium clients and 10,000+ students, with multiple franchised teams and annual performance awards. LinkedIn profile and customer references are available on request — just ask during your free consultation.创始人拥有8年以上财商教育与策略规划经验，服务超过200位高端客户、上万名学员，带领多支加盟团队并屡获年度业绩大奖。LinkedIn 资料与客户推荐均可提供 —— 欢迎在免费咨询时索取。
Enroll in a free membership at the 9Fortunes platform, then look for "Classes" after logging in. All educational content is free.在九福平台免费注册会员，登录后点击「Classes」即可开始学习。所有教育内容完全免费。
Yes — completely free, with no obligation. We believe education comes first. If a strategy or product fits your goals, we'll explain exactly how it works and how we're compensated. You decide.是的，完全免费且无任何义务。我们坚持教育为先。如果某个策略或产品适合您，我们会清楚说明其运作方式与我们的佣金来源，决定权始终在您手中。
Reach us any time throughout the life of your policy — annual reviews, policy adjustments, benefit questions. Book a time on Calendly or call us directly.在保单有效期内随时联系我们 —— 年度检视、保单调整、福利咨询。可通过 Calendly 预约或直接致电。
Register for a free membership first, then connect with us about business seminars and startup guidance. We'll walk you through the model step by step.先免费注册会员，然后与我们联系参加创业讲座与启动指导，我们会一步步为您讲解商业模式。
30 minutes. Zero cost. Zero pressure. In English or Chinese.30分钟 · 零费用 · 零压力 · 中英文皆可
Or call/text +1 (469) 975-9368 · Email pfs.bao@gmail.com 或致电 +1 (469) 975-9368 · 邮箱 pfs.bao@gmail.com