American Empire Wealth Planning Group美华家族财富规划集团
Protect what you have built today, and plan the legacy you will leave tomorrow. Working alongside attorneys, tax experts and product specialists, we design long-term, coordinated plans for your family, your business and your wealth.
- Life Protection
- Asset Protection
- Business Planning
- Wealth Legacy
Future Together
Building a secure, lasting foundation for your family
Based in Manhattan, American Empire Wealth Planning Group serves Chinese-American and international high-net-worth families, business owners and physicians.
Families who built their lives and businesses in America often face several challenges at once: assets in more than one country, a growing business, children's education, retirement and legacy. We believe real wealth planning is not a single product — it is a complete structure that protects your loved ones, preserves your assets, keeps your business going and passes your values on to the next generation.
Our founder, Hong Miller (Jessica), brings a rare background in medicine, business ownership and financial planning, and works with experienced attorneys, tax experts and product specialists to deliver comprehensive, professional service.
About the GroupFlagship planning for high-net-worth families
Four signature programs, each designed around a specific stage of life or role, to balance protection, assets and legacy.
Physician Family Solutions
卓越医生家庭保障方案Income protection, practice succession and family wealth planning designed for physicians.
Business Owner Risk Planning
超凡企业主风险架构Key person coverage, buy-sell funding and succession to protect the business you built.
Family Legacy Program
帝国家族传承计划Trusts, wills and life insurance working together so wealth and values pass on smoothly.
Large Case Life Insurance Planning
国际客户大额寿险规划Large-case life insurance for cross-border families and international clients.
Planning for every key moment in life and business
From protection to legacy, from family to business — one coordinated plan instead of scattered products and advice.
Estate & Trust Planning
Wills vs. trusts, avoiding probate, living trusts and tax-efficient wealth transfer.
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Asset Protection & Risk Isolation
Review asset types and ownership, shift unaffordable risks, and build a firewall around family wealth.
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Business Owner Risk & Succession
Key person insurance, buy-sell funding, succession and executive benefits.
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Retirement & Long-Term Care
Sustainable retirement income and a plan for long-term care costs.
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Physician Family Solutions
Income protection, practice succession, wealth planning for women physicians and common mistakes to avoid.
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Family Office Services
Immigration, real estate, tax and CPA, education and more — coordinated through one trusted office.
Learn moreSix key areas: optimizing, protecting and directing assets
Every plan comes back to one question: where your assets come from, what threatens them, how they are used and who receives them.
Income Protection
- What if I become disabled?
- What if I have long-term health issues?
- What if I die too soon?
Income Tax
- Earned vs. unearned income
- Deduct, defer, divert, convert
- Keeping more of what you earn
Capital Risk
- Asset allocation
- Diversification
- Risk tolerance
Asset Protection
- Asset type
- Ownership
- Risk shifting
Retirement Planning
- How much do I need? How much will I have?
- How much more do I need to set aside?
- Where should I put it?
Estate Planning
- What do I own? Who do I want to receive it?
- How do I get it to them?
- How can I maximize the benefit?
Hong Miller (Jessica)
- CLTC
- FSCP
- MDRT*
- President's Council
A graduate of China Medical University, Hong began her career as a pediatric physician, became a business owner in China, and has spent the past ten years in financial services in the United States.
Drawing on her background in medicine, business management and financial planning, Hong specializes in advanced planning for high-net-worth clients — estate planning, business succession, asset protection, risk isolation, tax optimization and retirement planning — and is a multiple-time President's Council and MDRT qualifier.
“Leave more than wealth — leave your values and your legacy.”— Hong Miller
A clear, private, four-step planning process
Private Discovery Meeting
We learn about your family, business, assets and the goals that matter most — confidentially, in English or Chinese.
Comprehensive Review
We review income, taxes, risk, asset protection, retirement and legacy to uncover gaps and hidden exposures.
Expert Collaboration
Together with attorneys, tax experts and product specialists, we design a coordinated, actionable plan.
Implementation & Review
We help put the plan in place and review it regularly as your family, business and the law change.
Estate Planning 101
A free, informational seminar on the fundamentals of estate planning:
- Common estate planning terms and definitions
- Basic estate planning documents
- Strategies for avoiding probate
- Estate and gift tax issues
Let's plan a brighter future for your family, together
Whether you are thinking about legacy, protecting your assets or building a safety net for your business and family, we welcome you to a private conversation.