洛杉矶 · 华人家庭财富规划Los Angeles · Family Wealth Planning

为在美华人家庭
安一个家，传一份业 A home for today.
A legacy for generations.

房产买卖、保险保障、退休规划、财富传承——由一位懂你的顾问，把整个家庭的蓝图连在一起。 Real estate, protection, retirement and legacy planning — one trusted advisor who connects every piece of your family's financial blueprint.

预约免费咨询Book a Free Consultation 观看毕老师视频Watch on YouTube
  • 房产Home
  • 保障Protection
  • 退休Retirement
  • 传承Legacy

服务项目Services

四项专业，一个家庭蓝图Four disciplines. One family plan.

从买下第一套房，到把财富安稳地交给下一代，每一步都彼此关联。From your first home to passing wealth on to the next generation, every decision is connected.

Real Estate

房产买卖Buying & Selling Homes

首次购房、换房升级、投资房与出售规划。从选区、学区、出价策略到过户，全程中文陪同。First homes, move-up purchases, investment property and sale planning — neighborhoods, schools, offer strategy and closing, guided in your language.

Insurance

保险规划Insurance Planning

人寿保险、长期护理与重疾保障等方案，按家庭阶段、收入与责任量身配置，让家人无后顾之忧。Life insurance, long-term care and living-benefit solutions, designed around your family's stage, income and responsibilities.

Retirement

退休规划Retirement Planning

测算退休收入缺口，结合年金等保险类工具，规划稳定、可持续的退休现金流，并与您的 CPA 协同。Retirement income gap analysis and insurance-based tools such as annuities to build steady, lasting income — coordinated with your CPA.

Legacy & Trust

财富传承与信托Legacy & Trust Planning

梳理家庭资产与传承目标，协调执业律师起草生前信托等文件，协助房产转入信托与受益人安排。Clarify your assets and goals, coordinate with licensed attorneys who draft your living trust, and help align property titling and beneficiaries.

信托及法律文件均由加州执业律师起草。Trusts and legal documents are drafted by licensed California attorneys.

Danlin Bi 毕老师 · 安家与传承 房产 · 保障 · 退休 · 传承Home · Protection · Retirement · Legacy

关于毕老师About

你好，我是毕老师Hello, I'm Danlin Bi

我是 Danlin Bi，大家叫我毕老师。我在洛杉矶为华人家庭提供房产、保险、退休与财富传承的整体规划，也在 YouTube 频道「毕老师美国家庭财富规划」用中文讲解信托、保险和家庭财富规划。

我相信，好的规划先从“讲清楚”开始。在你做任何决定之前，我会用简单的中文把美国的规则、选项和取舍讲明白，再一起制定适合你家庭的方案。

I'm Danlin Bi — known to my viewers as 毕老师 (Teacher Bi). I help Chinese-American families in Los Angeles plan across real estate, insurance, retirement and legacy, and I host the Chinese-language YouTube channel “毕老师美国家庭财富规划,” explaining trusts, insurance and family wealth planning.

Good planning starts with clear understanding. Before you decide anything, I'll walk you through the rules, options and trade-offs in plain language — then we build a plan that fits your family.

  • 加州地产经纪人执照CA DRE License (Danlin Bi)DRE# 01994044
  • 所属经纪公司BrokerageReal Broker
  • 服务语言Languages中文（普通话）· 英文Mandarin Chinese · English

为什么选择我Why Work With Me

一个家庭，一套完整的规划One family. One integrated plan.

买房、保险、退休和传承，往往分别找不同的人，彼此不通气。我把它们放在同一张蓝图上统筹考虑。Most families handle real estate, insurance, retirement and estate planning with separate people who never talk. I put them on one blueprint.

一站式整体规划Integrated, one-stop planning

买房时就想好产权怎么写、保险怎么配、将来如何放进信托，避免日后返工和多花冤枉钱。Title, protection and trust funding are considered at the time you buy — avoiding costly rework later.

先讲透，再决定Education first

像在视频里一样，把复杂的美国规则用中文讲明白。不推销、不催促，你理解了再做决定。Just like on my channel: complex US rules explained clearly, no pressure — you decide once you understand.

专业团队协作A coordinated professional team

需要时与执业律师、CPA 会计师、贷款专员等专业人士配合，各司其职，由我帮你统筹沟通。When needed, I coordinate with licensed attorneys, CPAs and lenders — each in their lane, with one point of contact: me.

中英双语，长期陪伴Bilingual, for the long run

全程中文沟通，英文文件逐条解释；家庭情况变化时定期复盘，规划跟着你的家一起成长。Mandarin and English throughout, with regular reviews as your family changes — a plan that grows with you.

三代同堂的华人家庭在明亮的家中

合作流程How It Works

四步，从了解到落地Four steps, from first call to done

  1. 预约免费咨询Free consultation

    线上或面谈，先了解你的家庭和目标。Online or in person — we start with your family and goals.

  2. 梳理家庭现状Review your situation

    房产、保障、退休与传承，找出缺口与风险。Home, protection, retirement and legacy — identify gaps and risks.

  3. 定制方案A tailored plan

    讲清楚每个选项的利弊，由你来决定优先顺序。Clear pros and cons for every option; you set the priorities.

  4. 执行与定期复盘Execute & review

    协调各方专业人士落地执行，并定期回顾调整。Coordinate the professionals to implement, then review regularly.

YouTube 精选视频Featured on YouTube

毕老师美国家庭财富规划Watch & learn with 毕老师

信托、保险、家庭财富规划，用中文一次讲明白。Trusts, insurance and family wealth planning, explained in Mandarin.

  • 生前信托Living Trusts
  • 人寿保险Life Insurance
  • 退休规划Retirement
  • 财富传承Legacy Planning
  • 美国买房Buying a Home
在 YouTube 观看「毕老师美国家庭财富规划」Watch 毕老师美国家庭财富规划 on YouTube

常见问题FAQ

你可能想问Common questions

没找到答案？欢迎直接预约咨询。Don't see your question? Book a consultation.

免费咨询包括什么？之后会收费吗？What's included in the free consultation?

首次咨询约 30–60 分钟，了解你的家庭情况和目标，并说明可能的方向。咨询本身免费，也没有任何购买义务。房产交易佣金、保险产品等费用会在你决定合作前说明清楚。A 30–60 minute conversation about your family and goals, and possible directions. It's free with no obligation. Any commissions or product costs are explained clearly before you decide to proceed.

你可以帮我写信托吗？Can you draft my trust?

我负责传承规划的梳理与协调：帮你理清资产、目标和问题清单，并对接加州执业律师。信托等法律文件必须由执业律师起草和审定，我不提供法律意见。I handle the planning and coordination — organizing your assets, goals and questions — and connect you with licensed California attorneys, who draft and review all legal documents. I do not provide legal advice.

买房、保险和信托，应该先做哪一个？Home, insurance or trust — which comes first?

没有标准答案，取决于你的家庭阶段和资产结构。很多家庭在买房前后一起考虑：产权怎么登记、贷款期间如何保障家人、房子将来如何放入信托。咨询时我们会帮你排出优先顺序。It depends on your family stage and assets. Many families consider them together around a purchase: how to hold title, how to protect the family during the mortgage, and how the home will later go into a trust. We'll help you prioritize.

刚来美国、信用记录不多，可以买房吗？I'm new to the US with limited credit. Can I buy a home?

市场上有一些面向新移民或外国买家的贷款方案，但条件因人而异，需要由持牌贷款专员评估。我可以协助你对接贷款专员，并规划看房和出价。Some loan programs serve newcomers and foreign buyers, but eligibility varies and must be assessed by a licensed loan officer. I can connect you with one and plan your search and offers.

可以全程用中文沟通吗？Can we work entirely in Chinese?

可以。所有沟通都可以用中文进行，英文合同和文件我会逐条解释，确保你在签字前完全明白。Yes. We can communicate fully in Mandarin, and I'll walk you through English contracts and documents line by line before you sign.

我不在洛杉矶，可以线上咨询吗？I'm not in Los Angeles. Can we meet online?

可以线上咨询。房地产业务限于加州；保险业务仅在我持有执照的州办理；其他州的需求我可以帮你推荐当地专业人士。Yes, online consultations are welcome. Real estate services are limited to California; insurance is offered only in states where I am licensed. For other needs, I can refer you to local professionals.

预约咨询Book a Consultation

从一次轻松的聊天开始Start with a conversation

留下你的联系方式和想了解的方向，我会在 1–2 个工作日内与你联系。Share your contact details and what you'd like to discuss. I'll reply within 1–2 business days.

想了解的方向（可多选）I'm interested in (select all that apply)

提交后会打开你的邮件 App，生成一封发给 [email protected] 的邮件，点“发送”即可。也可以直接致电 626-257-1536。Submitting opens your email app with a message to [email protected] — just press Send. Or call 626-257-1536.