Dr. Doug Yang
Investment Adviser

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What Is an Investment Adviser?	"An investment adviser is an individual or company who is paid for providing advice about securities to their clients." "the term investment adviser is a legal term that refers to an individual or company that is registered as such with either the Securities and Exchange Commission or a state securities regulator." Details from FINRA. See also Investor.gov, or SEC.
Who are Investment Adviser Representatives?	"Investment adviser representatives are individuals who work for and give advice on behalf of registered investment advisers." Details from FINRA. See also NASAA.
How to Check a Financial Professional?	"Always check the background of any financial professional to make sure the person is licensed." Go to Investor.gov, or adviserinfo.sec.gov. Enter your financial professional's name to check.
What is a Financial Advisor?	"The term financial advisor is a generic term that usually refers to a broker (or, to use the technical term, a registered representative)." Details from FINRA.
What Is a Fiduciary Financial Advisor?	"A fiduciary is defined by the legal and ethical requirement to put the client's best interest before their own." Details from usnews.com
How Much Does Health Care Cost in Retirement?	Fidelity 2023 Retiree Health Care Cost Estimate: $157,500 per person, not including over-the-counter medications, most dental services, and long-term care. See fidelity.com
What are the Top Retirement Risks?	The top 9 retirement risks are: 1) income planning risk, 2) longevity risk, 3) health care risk, 4) long-term care risk, 5) investment risk, 6) tax risk, 7) inflation risk, 8) declining cognitive capacity risk, 9) estate planning risk. See details.
How to improve investment return?	Do you know what to do to become a better investor? Do you think you will become a much better investor in 10 years? You may be able to learn, but the most effective way is to seek external help. See yangdaoqi.info/fin
What is Gift Tax?	The gift tax is a tax on the transfer of property by one individual to another while receiving nothing, or less than full value, in return. The federal gift tax rate ranges from 18% to 40%. In 2024, the annual exclusion for gifts is $18,000 to any donee other than your spouse ($185,000 to a non-US citizen spouse). See irs.gov.
What is Estate Tax?	An estate tax, also called "death tax," is a tax imposed on a deceased person's assets. The federal estate tax ranges from 18% to 40%. 12 states and DC also impose estate taxes. Certain non-US citizens may pay the federal estate tax after an exemption of $60,000. See irs.gov, and here.