深度文章 | Lucid 规划事务所
为跨境家庭而写的深度文章:税务、传承、投资结构,以及这些决定背后的判断。
Pages
Letters
— Describe the cross-border financial question weighing on you — anonymously. We regularly select representative letters and answer them publicly.
Disclosures Zh
— Lucid 提供与不提供的服务、收费方式,以及利益冲突的处理原则。
Diversification Simulator Zh
— 把一百万集中在单一资产,或分散到几类资产。过去37年,两者的差别体现在两处:增长了多少,以及最深跌了多少。
Services
— Five clear steps — from a free conversation and a $2,000 second opinion to a structural diagnostic and the full plan. Every fee set out before work begins.
Crisis Simulator
— Pick a real market crisis and see how two paths — plain cash, and cash with structured borrowing — fell and recovered. Illustrative only.
Fee Drag
— Fee Drag on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Newsletter Admin
— Newsletter Admin on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Engagement Letter Zh
— Engagement Letter Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Terms Zh
— 使用 Lucid 网站(含计算器与模拟器)的相关条款。
How We Work
— Judgment, not activity. A diagnose-first, integrated process for families whose wealth spans more than one country. Fee-based and objective.
Faq Zh
— 国内卖房的钱转来加拿大要交税吗?加拿大有遗产税吗?T1135 没报会怎样?跨境家庭最常问的 8 个问题。
Estate Gap
— Estate Gap on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Readiness Check
— Ten questions, three minutes: see whether your cross-border financial structure has gaps worth looking at. No sign-up, nothing collected.
Letters Zh
— 匿名写下你正在面对的跨境财务问题。我们定期挑选有代表性的来信,隐去细节后公开回答。
Readiness Check Zh
— 10 个问题,3 分钟,看看你的跨境财务结构有没有值得注意的缝隙。不留信息,即测即看。
Tools Zh
— Tools Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
About Zh
— 由薛源(CFP®)创立,拥有七年以上加拿大财富管理经验。为跨境华人家庭提供独立、以规划为本的建议。
Insights
— In-depth articles on cross-border wealth: tax timing, estate structure, reporting, and the decisions Chinese-Canadian families face.
Departure Tax Zh
— Departure Tax Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Home
Asset Comparison Zh
— 从六个资产类别里任选。看同一笔钱在每一个里各自穿行——真实的路径、真实的崩盘。这不是排名,也不是预测。
Contact
— Based in Coal Harbour, Vancouver. A no-pressure introductory conversation — virtual across Canada, or in person by appointment.
Stress Test
— Three quick questions to find the part of your wealth structure most worth a second look. No figures, no sign-up.
Home Zh
— 为在中国、香港、美国与加拿大之间管理财富的华人家庭,提供独立、以规划为本的财务建议。中英双语、纯收费、不受产品压力左右。
Asset Comparison
— Watch one sum travel through six asset classes over a century — real paths, real crashes, no forecasts. An interactive, educational comparison.
Privacy Zh
— Lucid 如何收集、使用与保护你通过本网站提交的个人信息。
About
— Founded by Lucinda Xue, CFP®, after seven-plus years in Canadian wealth management. Independent, planning-led advice for cross-border families.
Lifestyle Inflation Zh
— Lifestyle Inflation Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Stress Test Zh
— 三个简单的问题,不用填金额、无需注册——帮你找出财务安排里最该检查的那一环。
Departure Tax
— Departure Tax on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
How We Work Zh
— 从理解你的处境开始:先诊断,再规划,需要时协助执行。固定费用、事前透明——为财富横跨中加两地的家庭而设。
Privacy
— How Lucid Financial Planning collects, uses, and protects personal information submitted through this website.
Property Simulator
— Pick a real property crisis. See how prices fell and recovered — and how your down payment changes the equity you'd actually hold. Illustrative only.
Article
— Analysis on cross-border tax, estate, investment structures, and the decisions behind them — written for families with wealth in two countries.
Diversification Simulator
— Concentrate $1 million in one asset or spread it across several — see how allocation shaped growth and drawdowns over 37 years. Illustrative only.
Crisis Simulator Zh
— 选一次真实的市场危机。看两条路径——纯现金,以及现金加结构性借贷——如何下跌,又在数年后各自身处何方。历史数据仅作说明用途。
Lifestyle Inflation
— Lifestyle Inflation on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Insights Zh
— 关于跨境财富的深度文章:税务时点、遗产结构、申报义务,以及华人跨境家庭真正要面对的那些决定。
Contact Zh
— 立足温哥华 Coal Harbour。一次无压力的初步交流——全加拿大线上,或预约制当面会谈。
Terms
— Terms governing the use of the Lucid Financial Planning website, including its calculators and simulators.
Fee Drag Zh
— Fee Drag Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Property Simulator Zh
— 选一次真实的房产危机,看房价如何下跌、又如何恢复——再看看不同的融资方式,会让你实际持有的权益呈现出怎样不同的画面。
Disclosures
— What Lucid Financial Planning does and does not provide, how we are compensated, and how conflicts of interest are handled.
Services Zh
— 从免费初步沟通、$2,000 方案审阅,到结构诊断与完整规划——五个清晰的台阶,每一步的费用都事先讲明。
Engagement Letter
— Engagement Letter on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Faq
— Will money from selling property in China be taxed in Canada? Is there inheritance tax? What about the T1135? Eight questions cross-border families ask most.
Estate Gap Zh
— Estate Gap Zh on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.
Tools
— Tools on Lucid Financial Planning. Lucid Financial Planning is an independent, planning-led practice founded to hel.