Planning Beyond the Policy
Integrated Financial Planning
Corporate Insurance, Retirement, Trust and Estate Planning — Coordinated with your professional advisors
- Corporate Insurance
- Retirement
- Trust and Estate Planning
Who We Serve
We work with business owners, professionals, and families whose financial lives have become increasingly complex. Our role is to help simplify that complexity, identify what matters, and provide thoughtful guidance for the decisions ahead.
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Business Owners
Helping business owners protect their business, grow enterprise value, and prepare for future succession.
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Incorporated Professionals
Supporting incorporated professionals with tax-efficient strategies throughout every stage of their career.
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Intergenerational Families
Helping families preserve wealth, prepare for retirement, and transfer assets across generations with confidence.
Our Planning Approach
Helping clients make informed financial decisions—every step of the way.
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01
Understand
We take the time to understand your goals, financial position, and long-term objectives before making any recommendations.
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02
Coordinate
We coordinate planning with your accountant, lawyer, and other professional advisors to ensure every recommendation supports your broader financial goals.
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03
Implement
Once the strategy is aligned, we coordinate implementation with all relevant professionals to ensure a smooth transition from planning to action.
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04
Review
As your family, business, and financial goals evolve, we continue to review and refine your planning strategy over time.
Case Studies
Four situations we have worked through, described by their financial shape rather than by name.
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The Incorporated Business Owner
$1.2M annual corporate income · $300K annual retained earnings
The problem
The business owner was accumulating $300K in corporate profits annually but faced personal tax of nearly 50% when withdrawing the funds for retirement.
Our approach
Implemented a corporate-owned life insurance strategy to build wealth within the corporation while creating future access to funds.
The outcome
Created a tax-efficient alternative to personal withdrawals, helping preserve more corporate wealth for retirement and future generations.
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The Corporation with Significant Investments
$3M in investment assets · $200K annual investment income
The problem
Significant passive investment income eliminated the corporation's small business tax deduction, resulting in higher corporate taxes.
Our approach
Restructured the investment strategy by moving the portfolio into a tax-exempt life insurance structure and reorganizing the remaining investments.
The outcome
Restored access to the small business tax deduction while creating tax-sheltered investment growth and improving overall after-tax returns.
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The Business Owner Preparing for a $5M Exit
$5M business valuation · Third-party sale
The problem
The anticipated sale of the business could result in approximately $1.25M in capital gains taxes, significantly reducing the owner's proceeds.
Our approach
Worked with tax professionals to restructure share ownership and maximize the available lifetime capital gains exemptions across generations.
The outcome
Positioned the shareholders to utilize available lifetime capital gains exemptions, with the objective of preserving the full $5M in sale proceeds from capital gains tax.
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The $30M Family Estate
$30M family net worth · Multiple corporations and investment portfolios
The problem
The family wanted to transfer significant wealth to the next generation while managing future tax liabilities and preserving their family legacy.
Our approach
Worked alongside specialized CPAs and lawyers to implement an estate freeze, family trust, and long-term wealth transfer strategy.
The outcome
Established a tax-efficient wealth transfer structure, locked in the value of the existing estate for tax planning purposes, and created a clear roadmap for the next generation.
Client situations are described in general terms with identifying details removed. Outcomes depend on individual circumstances and are not a guarantee of future results.
Honesty and Humility
H2 Planning & Solutions was founded on two principles that continue to guide how we work: Honesty and Humility.
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Honesty
Providing advice with clarity and transparency, even when the right answer is not the most obvious one.
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Humility
Recognizing that good planning starts with listening, asking the right questions, and understanding what matters most to each client.
Founder & Principal
Our Team
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Andy Tsai, CFP®, CLU®, TEP
Founder & Principal | Corporate Insurance & Estate Planning
Andy’s financial planning practice focuses on complex situations where insurance, corporate structures, taxation, retirement, and estate objectives intersect. He helps clients understand how these pieces fit together and develop clear, practical solutions for the decisions ahead.
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Allan Zhang, CPA, CGA, CFP®
Financial Planning & Tax Specialist
With over 20 years of experience in tax practice, Allan offers extensive tax and accounting knowledge within the financial planning process. His perspective helps clients understand the tax implications of important financial decisions while ensuring planning strategies are considered within their broader financial and tax circumstances.
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Charlene Liu, CFP®, CEA, MBA
Financial Planning & Insurance Specialist
Charlene specializes in financial planning and insurance, helping clients evaluate protection and planning strategies within the context of their broader financial goals. Drawing on over 10 years of industry experience, she takes a practical approach to developing solutions that align with each client’s needs and objectives.
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James Deakin, CFP®, CLU®, ASA, ACIA
Advanced Planning | TruStone Financial Inc.
With a background spanning actuarial science, insurance, and financial planning, James provides technical insight and advanced planning support for complex client situations. Through TruStone Financial, he assists with cases requiring additional analysis and specialized expertise.
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David Rubin, CFP®, CEA, CPCA, EPC, MFA-P, TEP
Advanced Planning | TruStone Financial Inc.
David takes a broad perspective to planning, particularly when clients are navigating significant transitions involving their wealth, retirement, and legacy. His experience helps clients consider both the immediate and long-term implications of their decisions, adding valuable perspective to complex planning conversations.
Big Ideas, Real Impact.