Financial Solutions
Golden Land Financial offers a variety of financial services, from personal financial requirements, to corporate strategies, or family estate planning, all of which can be customized to cover all of your needs.
Instant Funding Strategies (IFA)
The Immediate Financing Arrangement (IFA) is a comprehensive financial solution designed specifically for high-net-worth individuals, combining the advantages of insurance protection, capital utilization, and tax optimization. Clients first purchase a high-value whole life insurance policy and then pledge the policy's cash value to a bank to obtain a loan. This loan can then be invested in income-generating projects such as real estate, business expansion, and private equity, ensuring continuous capital growth while retaining the life insurance coverage for wealth inheritance and a family safety net.
The advantages of this strategy include: simultaneous protection and investment: providing high-value life insurance coverage without locking up funds. Tax optimization: if the loan proceeds are used for investment, interest expenses may be tax deductible, reducing the tax burden. High liquidity: even after investing in insurance, the funds can still be used flexibly through the loan. This strategy is particularly suitable for clients with stable cash flow, long investment horizons, and a need for both protection and asset growth.
Corporate Insurance Strategy
Corporate Insurance Strategy
Corporate insurance strategies closely integrate insurance tools with company operations, playing an important role in tax planning, shareholder protection, employee incentives, and corporate succession.
Common applications include:
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Keyman Insurance: Insurance is provided to the company's core executives. If an accident occurs to the executive, the company can receive compensation to compensate for business losses and find a replacement.
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Shareholder agreement insurance: Provide financial protection for shareholder repurchase agreements through life insurance to avoid strain on the company's capital chain due to the unexpected death of shareholders.
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Internal corporate investment: Use permanent life insurance as an internal investment tool within the company. The policy cash value is deferred and appreciated, and the death benefit is deposited into the company's capital dividend account (CDA), and then distributed to shareholders tax-free, thereby efficiently completing wealth transfer.
This strategy is particularly suitable for small and medium-sized enterprises and family businesses with stable profits that want to optimize taxation and make succession arrangements.
Family wealth inheritance planning
Family wealth inheritance planning is not just about passing wealth to the next generation, but also an important process of preserving and increasing wealth, optimizing taxes, reducing legal risks, and continuing the family spirit.
Key measures include:
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Establish a family trust: clarify wealth distribution rules and avoid inheritance distribution disputes.
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Optimize asset structure: Improve asset security and liquidity through corporate structure, portfolio distribution, etc.
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Insurance liquidity supplement: Life insurance can provide immediate tax-free cash to pay inheritance taxes, repay debts or protect the interests of specific heirs, avoiding being forced to sell core assets (such as family real estate and business equity) due to insufficient funds.
When insurance is combined with a trust, it not only ensures a safe transition of wealth in terms of legal and tax matters, but also ensures that family values and wealth management concepts are passed on from generation to generation.
Separate fund investments
Segregated fund investing combines the growth potential of mutual funds with the protection of insurance, offering market participation while also protecting principal upon maturity or death. It also offers creditor protection and bypasses the probate process during wealth transfers, enhancing the efficiency and security of asset transfers. For conservative investors and those prioritizing wealth preservation, it's an ideal choice for both growth and security.
