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"> <table width="514" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tr> <td align="left" valign="top" class="TitleText">Financial Services</td> </tr> <tr> <td width="514" height="8" align="left" valign="top"><SPACER type="block" width="514" height="8"></td> </tr> <tr> <td align="left" valign="top"><img src="image/img_finacialplan.jpg" border="0"></td> </tr> <tr> <td width="514" height="10" align="left" valign="top"><SPACER type="block" width="514" height="10"></td> </tr> <tr> <td align="left" valign="top" class="MainText"> For Financial Services information click <A href="http://www.myhdvest.com/zwllp/pages/product.aspx">here</A> <!-- Personal financial planning is normal extension to our tax planning in the past few years. We realize the biggest barrier to achieve personal financial freedom is not earning enough money, or not picking winning stock, but the procrastination of making any financial plan to achieve your goal. <br><br> <img src="/image/financialplan.gif" align="center"> <br><br> This is why Zhai & Wang, LLP introduced an systematic financial planning procedure to help our clients realize the importance of personal financial planning. We worked from ground up to address following issues: <ul> <li>Monthly Cash flow analysis (budgeting)</li> <li><a href="eduplan.htm" class="nav">College funding analysis</a></li> <li><a href="retireplan.htm" class="nav">Retirement planning</a></li> <li><a href="riskmanagement.htm" class="nav">Life insurance</a></li> <li>Second-to-die life insurance (for estate planning needs)</li> <li>Disability insurance</li> <li><a href="riskmanagement.htm#LTC" class="nav">Long Term Care</a></li> <li>Homeowners insurance</li> <li>Investment analysis</li> <li><a href="taxplanning.htm" class="nav">Tax planning</a></li> <li><a href="employbenefits.htm" class="nav">Employee benefit</a></li> <li>Estate planning</li> <li>Wealth management</li> </ul> Our planning process is fee based. It can be performed on one-time or as-needed basis. Someone uses us for his or her financial checkups or to get second opinions. Either way, we will start the process by: <br><br> <b>Step 1: Initial Inquiry </b> <br><br> Call us today at (408) 383-9870 or inquire for a no-obligation get acquainted meeting, then complete the informational questionnaire. <br><br> <b>Step 2: Get Acquainted Meeting</b> <br><br> This is an opportunity for us to exchange information about your needs and objectives, and to further discuss which of our services are right for you. We will also provide an estimated fee quote. If you decide to engage our services, we will give you a list of additional information that we will need to begin formulating your financial plan. <br><br> <b>Step 3: Data Gathering and Initial Preparation</b> <br><br> You will be asked to gather financial data and complete a cash flow worksheet and risk tolerance questionnaire. <br><br> <b>Step 4: Analysis and Plan Formulation</b> <br><br> In this step we will analyze the information provided and perform any required research needed to prepare your financial plan. <br><br> <b>Step 5: Presentation of Your Financial Plan</b> <br><br> Congratulations! At this point you will hold a customized financial plan designed to meet your goals and provide you with financial peace of mind. During the presentation meeting we will review all aspects of the plan with you, making sure that you fully understand the recommendations and instructions for implementation. <br><br> <b>Step 6: Plan Implementation</b> <br><br> Taking prompt action to implement your plan is crucial to reaching your financial goals. Your plan has been designed to allow us to carry it out without the need of incurring the cost of ongoing professional fees. This is the real action item we will help you perform after the full financial plan. We will execute the plan by the suggestion we made in you plan. <br><br> <b>Step 7: Plan Monitoring</b> <br><br> Each year, or even each quarter, we will gladly follow up with your investment portfolio against the financial goal you laid out in your plan. We will adjust any deviation from your goal. We will also answer any questions you may have and refer you to other professionals for any additional assistance you require. --> </td> </tr> <tr> <td width="514" height="20" align="left" valign="top"><SPACER type="block" width="514" height="20"></td> </tr> <tr> <td width="514" height="1" align="left" valign="top" bgcolor="#000000"><SPACER type="block" width="514" height="1"></td> </tr> <tr> <td width="514" height="5" align="left" valign="top"><SPACER type="block" width="514" height="5"></td> </tr> <tr> <td width="514" align="left" valign="top" class="MainTextS"><i>Copyright ©2004-2006 Zhai & Wang, LLP. All rights reserved.</i></td> </tr> <tr> <td width="514" height="20" align="left" valign="top"><SPACER type="block" width="514" height="20"></td> </tr> </table> </body> </html>