Vivian Fei 得宝信金融集团金融财务顾问专访
费淑珍（Vivian Fei）是一名金融专家，财务顾问，拥有非常丰富的阅历及专业知识。从1994年至今一直工作于保德信保险公司（Prudential Insurance）。在这二十七年的工作中，她通过了国家证券法考试（State Securities Law Exam），一般行业/产品考试（General Industry/Products Exam），和投资公司产品/变量合同代表考试（Investment Company Products/Variable Contracts Representative Examination），并通过美国金融监管局（FINRA）注册了SRO，主要服务于亚利桑那州（Arizona），加利福尼亚州（California），和乔治亚州（Georgia）。费淑珍专家的重点领域是保护客户的家庭，为退休储蓄，退休后的生活，财务战略，教育储蓄及小企业。她认为没有什么能比得上帮助家庭或个人规划他们的财务未来的感觉了，她很喜欢她的工作，她最自豪的是听到客户说她的团队是如何帮助他们走出困境，改善生活品质的。她觉得这是对她的工作莫大的认可，没有什么比这些更对她有意义了。
保德信保险公司（Prudential Insurance）拥有145年的专业知识，自成立以来，个人和机构都依赖保德信的财务指导和个性化的支持。保德信管理着超过1.4万亿美元的资产，拥有坚实的金融基础，服务过超过5,000万客户，而且还在不断增加。保德信保险通过信守承诺，与数以百万计的客户–直接或通过他们的工作场所–建立持久的关系，从而实现了增长，并在2021年被评选为财富报道最受敬重的公司之一。
保险，就是所谓保证面对风险是有准备，有退路，有Plan B，无论财务状况怎样，每个人都应该设当购买一些保险，因为生活计划不如变化，做好准备才能够保证面对突发情况时有做选择的权力。对于一些比较常见的保险担忧，费淑珍专家提出了以下几个解决方案：退休后的生活 – 了解保险公司的年金选项可以怎样帮助客户创造退休收入，并可能适合客户的个人财务需求。传统退休保险或Roth IRA也可以作为一种选择，帮助客户为未来储蓄，实现免税增长或递延纳税；保护家庭和最重要的资产 – 无论是最近结婚、买房、照顾亲人还是准备退休，人生的每一个新阶段都是充满喜悦与不确定性。保险公司能够确保客户得到人寿、汽车、房屋、长期护理和残疾保险的保护；为退休储蓄 – 通过年金、401(k)或IRA，按客户个人条件去实现退休目标。年金可以是提供退休收入和推迟年终税的一种方式，而IRA和401(k)则提供了人生下一阶段储蓄的选择。保险公司会推荐很多退休工具供客户选择购买。当还在工作时，总是有时间为退休储蓄更多。这里有一些提示: 将退休储蓄作为优先事项，把未来放在首位，为它做计划。设置自动投资，这样用于投资的钱就会直接从工资中扣除。最大限度地利用退休账户，在允许的范围内尽可能多地储蓄。在经纪账户中储蓄。如果能把一些额外的资金藏在应税的经纪账户中，就这样做。这笔钱不会像401（k）或个人退休账户（IRA）那样提供节税。但这是为未来建立额外资金的一个有力方法。税收计划是退休计划的一个重要部分。有一个多元化的税收方法，在传统的税前401（k）或可减税的IRA中的储蓄，加上税后罗斯账户（这可能意味着免税提取）和/或经纪账户，可以为现在和将来节省资金。
当然，仅仅这些或许不能完全解决每个人的困惑，特别是女性。她们，特别是妈妈们，需要照顾孩子，照顾家庭，承担着很大的退休金压力。一下有一些能够节省开始，剩下更多退休金的方法：获得加薪 – 党辛勤工作得到了回报，工资得到了提升，是时候考虑用这笔钱来奖励未来的自己了。由于长时间靠较低的工资生活（女性工资普遍偏低），女性客户可以继续目前的生活方式，并将工资中的额外金额用于退休储蓄，也可以选择保留加薪后的一半额外收入，将另一半投入退休储蓄。这样不仅生活方式有了提升，同时还能为未来做储蓄。孩子开始上幼稚园 – 如果孩子要去公立学校（线下或线上），一旦不再支付日托或学前班的费用，客户就有可能实现节约（有些州提供免费的学前班项目）。留出一半的托儿费不会感到太过繁重。一份新工作 – 找一份新工作是一个完美的新开始。在新公司开始工作是一个重新致力于储蓄的好时机，特别是如果新职位有更高的工资。许多组织自动为其员工加入退休储蓄计划。年满50岁 – 虽然401(k)s、403(b)s和457s存在年度缴费限制，但可以从50岁那年开始增加投资，也可以把额外的钱存入IRA。这些 “补缴 “的金额会增加。成为空巢老人 – 根据成家时的年龄，在孩子独立后，可能有几年时间来增加储蓄。不再需要支付大学学费、额外的汽车保险费或孩子的手机费。家庭开支，包括食品账单，也可能会降低。但由于更多的人推迟了育儿时间，而且许多成年子女仍然住在家里，因此家庭对于何时能够利用空巢的优势会有不同的时间表。
费淑珍专家在南加州有两个常用办公地址，一个在Ontario，一个在San Marino，虽然只隔了几十miles，但风景，气氛，以及感觉差别极大，一个靠海吹着海风，一个靠山内陆帝国，是一个很有趣的小细节。上下两张照片则是在San Marino的公司外景：
电话：（626）272-0916
邮件：vivian.fei@prudential.com
网址：https://www.prudential.com/advisor/shuchenvivian-fei
CRD#: 2386618
Property & Casualty: CA
Variable Annuities: AZ, CA, GA
Securities License: AZ, CA, GA
Variable Life Insurance: AZ, GA(CA License #0693022)
Fixed Annuities: AZ, GA(CA License #0693022)
Life Insurance: AZ, GA(CA License #0693022)
地址：3281 E. Guasti Rd, #250, Ontario, CA 91761
Address: 2310 Huntington Dr, San Marino, CA 91108
Vivian Fei is a financial professional and financial advisor with extensive experience and expertise. She has been with Prudential Insurance since 1994. During her twenty-seven years of experience, she has passed the State Securities Law Exam, the General Industry/Products Exam, and the Investment Company Products/Variable Contracts Representative Exam. She is registered as an SRO through FINRA, primarily serving the states of Arizona, California, and Georgia. Her areas of focus are protecting clients’ families, saving for retirement, post-retirement living, financial strategies, savings for education, and small business. She believes there is nothing like helping a family or individual plan for their financial future, she loves her job and is most proud to hear from clients how her team has helped them get out of difficult financial situations and improve their quality of life. She feels this is a great endorsement of her work and nothing is more meaningful to her than that.
With 145 years of expertise, Prudential Insurance has served tons of individuals and institutions who have relied on for financial guidance and personalized support since its inception. With more than $1.4 trillion in assets under management, Prudential has a solid financial foundation that has served more than 50 million customers and counting. By keeping its word and building lasting relationships with millions of clients – directly and through their workplaces – Prudential Insurance has grown and been named one of Fortune’s most admired companies in 2021.
Insurance is the so-called guarantee of being prepared for risks, having a way out, or having Plan B. Regardless of the financial situation, everyone should try to purchase some insurance because life plans change all the time, and being prepared is the only way to guarantee the right to make choices when facing unexpected situations. For some of the more common concerns about insurance, Vivian Fei offers the following potential solutions: Life after retirement – Learn how an insurance company’s annuity options can help clients generate retirement income and may fit their personal financial needs. Traditional retirement insurance or a Roth IRA may also be an option to help clients save for the future with tax-free growth or tax deferral; Protecting family and most valuable assets – Whether recently married, buying a home, caring for loved ones or preparing for retirement, each new phase of life is filled with joy and uncertainty. Insurance companies can ensure that clients are protected by life, auto, home, long-term care and disability insurance; saving for retirement – through an annuity, 401(k) or IRA that goes toward retirement goals on the client’s individual terms. Annuities can be a way to provide retirement income and defer year-end taxes, while IRAs and 401(k)s offer options for saving for the next phase of life. Insurance companies will recommend many retirement vehicles for clients to choose to purchase. While you are still working, there is always time to save more for retirement. Here are some tips: Make retirement savings a priority, put the future first and plan for it. Set up automatic investing so that money used for investing is deducted directly from your paycheck. Maximize your retirement accounts and save as much as you are allowed to. Save in a brokerage account. If you can stash some extra money in a taxable brokerage account, do so. This money won’t provide the tax savings that a 401(k) or an Individual Retirement Account (IRA) does. But it is a powerful way to build additional funds for the future. Tax planning is an important part of retirement planning. Having a diversified approach to taxes, savings in a traditional pre-tax 401(k) or tax-deductible IRA, plus an after-tax Roth account (which can mean tax-free withdrawals) and/or a brokerage account, can save money now and in the future.
Of course, this alone may not be the complete solution to everyone’s confusion, especially that of women. They, especially mothers, have children to care for, families to take care of, and a lot of pressure here and there. Here are some ways to save to start and have more retirement money left over: Get a raise – The hard work has paid off with a raise in salary, and it’s time to consider using that money to reward your future self. Since they have been living on lower wages for so long (women’s wages are generally lower), female clients can continue their current lifestyle and use the extra amount from their paycheck for retirement savings, or they can choose to keep half of the extra income from the raise and put the other half into retirement savings. This not only provides a lifestyle boost, but also allows you to save for the future. Child starts kindergarten – If the child is going to public school (in-person or online), the client has the potential to realize savings once they no longer pay for child care or preschool (some states offer free preschool programs). Setting aside half of the cost of child care will not feel like too much of a burden since they have already got used to it. A new job – Getting a new job is a perfect new start. Starting at a new company is a great time to recommit to saving, especially if the new position comes with a high salary. Many organizations automatically enroll their employees in a retirement savings plan. Turning 50 – While annual contribution limits exist for 401(k)s, 403(b)s and 457s, it is possible to add to your investments starting in the year you turn 50, or you can put extra money into an IRA. and these “catch-up” contributions can add up. Becoming an empty nester – Depending on the age at the time of starting a family, there may be several years to increase savings after the children become independent. There is no longer a need to pay for college tuition, additional auto insurance premiums, or the child’s cell phone bill. Household expenses, including food bills, may also be lower. But as more people delay childcare and many adult children still live at home, families will have different timetables for when they can take advantage of an empty nest.
Vivian Fei has two office addresses in Southern California, one in Ontario and one in San Marino. Although they are only a few dozen miles apart, the scenery, atmosphere, and feeling are completely different, one by the sea with the sea breeze and the other in the inland empire surrounded by mountains and trees. The two photos above and below are the outside view of the address in San Marino.
Tel：（626）272-0916
Email：vivian.fei@prudential.com
Website：https://www.prudential.com/advisor/shuchenvivian-fei
CRD#: 2386618
Property & Casualty: CA
Variable Annuities: AZ, CA, GA
Securities License: AZ, CA, GA
Variable Life Insurance: AZ, GA(CA License #0693022)
Fixed Annuities: AZ, GA(CA License #0693022)
Life Insurance: AZ, GA(CA License #0693022)
Address #1：3281 E. Guasti Rd, #250, Ontario, CA 91761
Address #2: 2310 Huntington Dr, San Marino, CA 91108