Cases

Client Background: Couple with combined monthly income of $30,000+, but funds flowed freely without investment planning and low savings rate.

Challenge: Cash flow imbalance, over-concentration in tech stocks, no retirement plan, no education fund, low tax efficiency.

Yuno Solution: Established family capital pool model, reconfigured assets, set up tax-advantaged tools (Roth, IRA, 401k), established education fund (529 plan) and insurance protection.

Results: Family savings rate increased by 42%, investment volatility reduced to less than half, after-tax returns increased by approximately 18%, education fund accumulated to $120,000+ over 5 years.

Client Background: Client operates a tech company in the U.S., but company documents were not updated for years, equity structure was non-compliant, and contracts lacked legal validity.

Challenge: Non-compliant equity agreements affected EB-1C application eligibility, contracts lacked protective clauses, and tax residency issues were not properly addressed.

Yuno Solution: Reconstructed corporate governance structure, supplemented shareholder agreements, employment contracts, NDAs and other legal documents, collaborated with immigration attorneys to rewrite evidence chain for L-1/EB-1C, coordinated with CPA for tax adjustments.

Results: Corporate governance compliant, EB-1C successfully approved, company operational risks significantly reduced.

Client Background: Both spouses are tech company engineers with annual income of approximately $320,000, significant stock and RSU income, rental income from property in China, no retirement accounts.

Challenge: Significant capital gains pressure, improper foreign income reporting, low tax efficiency.

Yuno Solution: Designed annual tax forecasting reports, optimized RSU sale timing, set up Backdoor Roth, structured foreign rental income, designed real estate depreciation.

Results: Tax expenses reduced by approximately $28,000/year, after-tax returns increased by approximately 14%, family's overall financial structure more stable.

Student Background: Unstable GPA (3.3-3.6), no significant activities, low self-confidence, no direction for the future.

Challenge: Need to establish academic structure, enhance competitiveness, determine future direction.

Yuno Solution: GPA improvement strategy, designed engineering activity pathway (robotics, competitions, mathematical modeling), participated in summer research programs, established community volunteer projects, SAT strategy (from 1200 ➜ 1480), college major direction planning, essay coaching.

Results: Student admitted to UCLA School of Engineering.

Student Background: GPA 3.5, average academics, not good at expression, average English speaking, few skills, cannot write resume, no internship experience at all.

Challenge: Need to build career capabilities, improve interview skills, obtain internship opportunities.

Yuno Solution: Created professional resume, trained behavioral interviews (STAR structure), designed technical projects suitable for student's abilities (Python + data analysis), participated in STEM club and served as team leader, LinkedIn optimization and industry mentor coaching.

Results: Interview success rate increased from 5% to 42%, obtained tech company data internship (Remote), subsequent college applications gained stronger competitiveness.

Client Background: Annual family income of approximately $400,000, significant assets in China, USD assets proportion too low, no time to manage real estate, but want stable returns.

Challenge: Need to establish USD asset allocation, obtain stable passive income.

Yuno Solution: Asset allocation model: real estate funds account for 18% of family assets, selected multi-family residential funds and storage funds mixed allocation, coordinated with CPA to establish depreciation allocation model (Cost Seg), adopted equity fund + debt fund combination to reduce risk.

Results: Annual cash return rate of approximately 6-8%, depreciation offsets approximately 20% of taxable income, family has more stable USD passive income source.

Client Background: Tech industry engineer family with high savings but slow asset growth, over-reliance on index funds, hoping to increase wealth growth rate.

Challenge: Need to increase growth assets, enhance wealth multiplication speed.

Yuno Solution: Set equity investment strategy not exceeding 15% of family assets, selected AI and automation industry targets, collaborated with attorneys to review company contracts and equity terms, developed exit strategy: Series A—Series B—Series C follow-on investment system.

Results: Project acquired by large tech company in year 5, family equity return approximately 4.2x, family asset structure healthier (stability + growth parallel).

Family Background: First time in the U.S., no understanding of life, two children (one elementary, one middle school), afraid of pitfalls, language limitations, unfamiliar with U.S. systems.

Challenge: Need to quickly stabilize and settle, children need to quickly integrate into schools and education system.

Yuno Solution: Community screening (comprehensive evaluation from safety, schools, supermarkets to parks), rental settlement (online viewing assistance + help prepare application materials), school enrollment assistance (applications, vaccine record translation, Placement Test), healthcare system (Medi-Cal application + family doctor registration), family life (supermarket shopping routes + daily necessities list), administrative matters (bank account opening, phone card, driver's license appointment).

Results: Family life stabilized within 30 days, children successfully enrolled in school, parents began adapting to U.S. life, family living costs decreased by approximately 25%, happiness significantly improved.

Family Background: Both parents work in tech industry, busy with work and no time to manage, limited language, unfamiliar with U.S. estate tax system, have property in China, two properties in U.S., concerned about future asset disputes and tax losses.

Challenge: Need to establish asset protection structure, avoid estate tax risks, ensure asset inheritance.

Yuno Solution: Established "Living Trust + Children's Education Trust" dual structure, incorporated two U.S. properties and overseas assets into trust, set up family bank system: children can apply for "family loans" in college, set guardians and backup guardians, reduced future estate tax risks through annual gifting.

Results: All family assets legally protected, children's future education and growth path more stable, asset inheritance costs reduced by more than 30-40%, family clearly knows future ownership of each asset.