https://www.myzfinancial.com/blog daily 0.75 2023-05-16 https://www.myzfinancial.com/blog/high-net-worth-financial-planning monthly 0.5 2023-05-16 https://www.myzfinancial.com/home daily 1.0 2025-08-25 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1722526462395-9MN7QJIHDQ3ORFQG48NN/unsplash-image-PMPmm23Ce4M.jpg Home - MYZ Financial & Insurance Services is a professional boutique firm offering concierge services to companies & households across the country. As both a fiduciary and a broker, we don't represent just any one financial or insurance company - we represent all of them. We pride ourselves in providing unbiased advice to our clients so they can make the right financial decisions for their families and their businesses. Able to service clients in several languages including English, Mandarin, Cantonese, and Toishan.. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1629775724228-DJJRUJXA0VMWILEEPHMM/moms%2Bpic.jpg Home https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1637070410346-J8ME8W9L67I36FCXKU9I/Bruce_Headshot.jpg Home https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/9c2e1fd6-b50a-441d-b498-b89e617db848/Yusi.jpg Home https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/43f28885-b05e-4c9d-8dba-e1182c958e31/%5BDownloader.la%5D-618486c1d4353.jpg Home https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/ee6d16ad-a9ce-4908-9b1a-fa8281730b78/%5BDownloader.la%5D-61848b4420da5.jpg Home https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/e555dd60-e056-4295-92be-21293da87c12/%5BDownloader.la%5D-61848b9933ddf.jpg Home https://www.myzfinancial.com/areas-of-practice daily 0.75 2024-08-01 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Services https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Services https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Services https://www.myzfinancial.com/about daily 0.75 2024-08-01 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1722526410495-MK9THF3MNWRWG16F3Z5E/unsplash-image-uAnxVqzj8gk.jpg About We understand that not everyone has the time, interest, or capacity to research, implement, and continuously monitor their financial & insurance programs. Through our diligent planning, we take the stress of planning off of our clients allowing them to focus their time and attention on the things and people they love. We are product-neutral and will shop the entire marketplace on your behalf to ensure we find the best solution to fit your unique situation. Would you like to be helped in English, Mandarin, Cantonese, or Taishan? Get to know our team of advisors. https://www.myzfinancial.com/our-team daily 0.75 2025-08-25 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1623989953568-EPHY9S1TQY2BR5QBKLT7/Bruce+Headshot+1.jpg Our Team - Bruce Chen CFP® CLTC Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/0840980c-9a46-42b4-a477-7f379af7fd26/Yusi.jpg Our Team - Yusi Zhang CFP® Candidate Lesley spent most of her childhood working part-time in her family's property & casualty insurance agency. Prior to joining the MYZ Enterprise, she spent the last few years building up her own book of business with another large financial institution. Born and raised here in Southern California, Lesley is a graduate of Chapman University. Lesley has extensive experience putting together client appreciation / educational seminars and runs the marketing department for the firm. As a new dog mom, she spends much of her free time spoiling Denver, her adorable not-that-small-anymore German Shepherd / Husky puppy. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1629775724228-DJJRUJXA0VMWILEEPHMM/moms+pic.jpeg Our Team - Cindy Kong Senior Consultant Cindy serves as the resident expert on commercial insurance lines. Whether it’s a worker’s comp or general liability insurance policy, she has over 30 years of experience shopping the marketplace representing families and businesses alike. With her ability to conduct business in 5 different languages, Cindy is an invaluable part of the team consulting on larger businesses and more complex accounts. She is an active member of the community and avid supporter of local businesses. In her free time, Cindy enjoys traveling and spending time with her loving family. https://www.myzfinancial.com/contact daily 0.75 2024-08-01 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1722526868985-XPDKPER8VGGRIC8THIHK/unsplash-image-yJMYAa9f7VQ.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.myzfinancial.com/services-2 daily 0.75 2021-07-19 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625022353451-5QJQ96ZYPK3T5EIMVLZ8/unsplash-image-BWsHEzjBxgA.jpg Investment Options - Retirement Planning Retirement planning revolves heavily around the power of compound interest. The earlier you start, the more powerful compound interest becomes. You work hard for your money and we believe that your money should be hard at work for you as well. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625028001781-VBBZ2YDJ90SL7VKL27U1/unsplash-image-Vn7LOc5PE-E.jpg Investment Options - Stocks A stock is an equity investment that represents ownership of a company. By purchasing a company's stock, you are buying a small piece of the company, called a share. Bonds A bond is a debt instrument that represents a loan made by the investor to the issuer. Interest on the loan is periodically paid on the loan creating an income for investors. Mutual Funds A mutual fund is a financial vehicle that pools money from a large number of investors to invest in a portfolio of securities such as stocks, bonds, money market instruments, and other assets. Investing in a mutual fund allows for more diversity in comparison to investing in a single stock. ETFs (Exchange traded funds) An exchange traded fund (ETF) is a type of security that functions similar to a mutual fund but can be purchased or sold like a stock. ETFs track an index, sector, commodity, or other asset. Hedge Funds Hedge funds are alternative investments using pooled funds that employ different strategies to earn active returns for their investors. Hedge funds may make use of derivatives and leverage in both domestic and international markets with the goal of generating high returns. Real Estate Investment Trust A real estate investment trust (REIT) is a company that makes investments in income-producing real estate. Investors who want to access real estate can, in turn, buy shares of a REIT and through that share ownership effectively add the real estate owned by the REIT to their investment portfolios. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625024500909-L1RUR1VM574AO2JEU914/unsplash-image-HHxYyhQQFbc.jpg Investment Options - Qualified Retirement Plans Retirement plans funded by pre-tax dollars that are tax deductible Non-Qualified Retirement Plans Retirement plans funded by after tax dollars. Traditional & Roth IRA Traditional IRA allows for before-tax contributions while Roth IRA allows for after-tax contributions. Income Annuities Over the years, pensions have been replaced by 401K as the dominant retirement plan in America today. You can use income annuities to create your own personal pension plan to guarantee that you never run out of money. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625022631441-XZLG4VUFFWFL95DFB8UY/unsplash-image-MujZAKea8Lw.jpg Investment Options - Investment Options There is no one size fits all in the world of investments. If you see your portfolio drop by 40%, are you sticking with your strategy on hand, or are you tossing in your cards and starting over? What works for one person may not necessarily work for another. We take each individual’s risk tolerance, time horizon, and customize their investment strategy for a custom tailored fit. https://www.myzfinancial.com/insurance-options daily 0.75 2021-07-19 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1626371497292-T3YEKOJ7K7LGHGX4G31N/unsplash-image-ob-hsLNxYPc.jpg Insurance Options - Unforeseen tragedies can leave you or your family facing tremendous stress. Having the correct insurance in place can help you reduce your financial stress in the midst of a difficult time. We can customize insurance solutions to hedge against most major risks. Let us help you find some peace of mind by protecting the things that are important to you. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Insurance Options https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Insurance Options https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Insurance Options https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Insurance Options https://www.myzfinancial.com/investment-options daily 0.75 2021-07-08 https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625709764720-0M0T62OBBYB86ZL77FO2/unsplash-image-FyD3OWBuXnY.jpg Business Options - Business Insurance Workers’ Compensation Insurance In the event that an employee sustains a work related injury, workers’ compensation insurance protects the employee by covering lost wages as a result of being unable to work as well as medical bills related to the injury. The employer is protected with some financial coverage for legal fees and damages. General Liability Insurance General liability insurance policies generally protect you and your company from claims involving bodily injuries and property damage resulting from products, services or operations. It may also cover you if you are liable for damages to your landlord's property. Commercial Package Policy A packaged policy offered to business owners that encompasses a variety of coverages that is customizable to each individual business. https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625027667642-T7X40UEY1N2OJAXUST51/unsplash-image-qh-mar1Tzo8.jpg Business Options - Employee Benefits & Retirement Planning Group Health/Dental/Vision/Life Group medical insurance helps to ease the burden of medical expenses for employees while fostering loyalty and retention. Executive Bonus Programs An executive bonus program is a way for business owners to provide additional supplemental benefits to key employees using tax deductible company funds. Company Sponsored LTC Business owners can offer long term care insurance to their employees by paying some or all of the cost. HSA / HRA / FSA / Section 125 POP Section 125 Cafeteria Plans helps employers and employees eliminate income and payroll taxes on health insurance premiums and out-of-pocket medical expenses https://images.squarespace-cdn.com/content/v1/60cbad1b729fef37e4b78606/1625592148442-MX7PBUWGNM2A7W0TALIL/unsplash-image-oULtybvgBhI.jpg Business Options 401K A 401k is an employer-sponsored retirement account that allows an employee to dedicate a percentage of their pre-tax salary to their retirement plan. Profit Sharing A profit sharing plan gives employees a share in their company’s profits based on its earnings. Contributions to a profit sharing plan are made by the company only and it is up to the business owner how much of its profits they wish to share. SEP IRA Simplified Employee Pension (SEP) IRAs are typically funded 100% by your employer on a before-tax basis and are used by small businesses to plan for retirement. Simple IRA Simple IRA plans are utilized by small businesses with less than 100 employees to plan for retirement. This plan allows employees to contribute to the plan as well. Defined Benefit / Pension A pension is funded by the employer and pays a defined benefit for life after retirement. Deferred Compensation Deferred compensation is a portion of an employee's compensation that is set aside to be paid at a later date. https://www.myzfinancial.com/the-bald-cfp daily 0.75 2021-11-17 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg The Bald CFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1608066266418-CHQC49XZZNQKNA7TGGP4/20140228_Trade-151_0046.jpg The Bald CFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg The Bald CFP https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607638276981-EQ693DAI3SJ2GSQP0PPB/Aro%2BHa_0010-larger.jpg The Bald CFP https://www.myzfinancial.com/bookings daily 0.75 2021-11-18