長期照護保障
Long-Term Care
靈活準備未來照護費用，同時守護家庭選擇與財務自主。
Flexible ways to prepare for future care costs while protecting family choices and financial independence.
服務項目｜健保、紅藍卡、家庭保障與退休規劃 · Insurance solutions for every stage of life
人生每一階段都清楚安心Clarity for every chapter
守護家人健康，安心規劃未來。
Protect your family's health and future.
醫療保險與紅藍卡Health & Medicare人壽保障與資產傳承Life & Legacy退休與年金規劃Retirement & Annuities長期照護保障Long-Term Care中小企業團體福利Small Business Benefits旅遊醫療計劃Travel Medical
保險與退休規劃看似複雜，Ivy 以超過二十年的專業經驗，提供細心的中英文雙語說明，陪您自信前行，找到真正適合自己人生的方案。
Insurance and retirement decisions can feel complicated. Ivy brings more than two decades of thoughtful, bilingual guidance—so you can move forward with confidence and a plan made for your life.
20+Years of experience
超過二十年經驗
超過二十年經驗
2Languages served
中英文雙語服務
中英文雙語服務
1:1Personal guidance
一對一專業規劃
一對一專業規劃
為您量身規劃Solutions shaped around you
守護您最重視的人與未來。Guidance for what matters most.
個人化策略 · 清楚說明 · 長期陪伴
Personal strategy · Plain-language answers · Ongoing support
醫療保險與紅藍卡
Health & Medicare
個人與家庭健保、加州健保、紅藍卡、牙科、視力及國際學生醫療計劃。
Individual and family coverage, Covered California, Medicare, dental, vision, and international student plans.
人壽保障與資產傳承
Life & Legacy
為收入替代、教育基金、資產傳承與摯愛家人建立周全保障。
Thoughtful protection for income replacement, education funding, estate goals, and the people you love.
退休與年金規劃
Retirement & Annuities
規劃穩定終身收入、稅務多元化，以及符合您人生目標的退休方案。
Strategies for dependable lifetime income, tax diversification, and a retirement built around your priorities.
中小企業團體福利
Small Business Benefits
為加州雇主設計實用的團體健保與福利方案，照顧團隊並管理成本。
Practical health and benefit plans that help California employers care for their teams and manage costs.
旅遊醫療計劃
Travel Medical
為訪美人士及出國旅客提供短期醫療保障。
Short-term medical protection for visitors to the United States and travelers going abroad.
更安心的規劃方式A calmer way to plan
每一個選擇，都值得您真正了解。You deserve to understand every choice.
用心傾聽，清楚分析，陪您走得更安心。
Ivy 會先傾聽您的需求，客觀比較方案，並用您熟悉的語言清楚說明細節。我們的目標不只是銷售保單，而是協助您為現在與未來做出安心、有信心的決定。
Ivy listens first, compares options objectively, and explains the details in language that feels natural to you. The goal is never simply to sell a policy—it is to help you make a confident decision for today and tomorrow.
用心傾聽 Listen
從您的家庭、事業、優先目標與顧慮開始了解。
We begin with your family, business, priorities, and concerns.
清楚分析 Clarify
比較合適方案，將複雜條款說得簡單明白。
We compare suitable options and make the fine print understandable.
長期陪伴 Stay with you
隨著人生變化，Ivy 持續提供穩定、即時的協助。
As life changes, Ivy remains a steady and responsive resource.
退休規劃新視角Rethinking retirement
今天的退休，跟過去不一樣。Retirement today is different from the past.
Ivy Yang, MBA · Principal Advisor · 保險規劃師
在祖父母進入退休的年代，人們較早開始工作、退休後的年月也較短；社安金與公司的養老金福利，往往能滿足大部分退休收入需求，因此不必過度依賴個人儲蓄，也能維持舒適生活。
但是時代已經改變。現代人通常較晚開始工作，卻希望提早退休；隨著健康與醫療進步，我們也活得更久。退休生活可能和工作年月一樣長，甚至更長，而傳統收入來源正在減少，個人儲蓄與資產因而變得更加重要。
Longer lives, earlier retirement goals, and fewer traditional income sources mean today's plan must make personal savings and assets last for more years.
您的資產，可以分成兩種錢。
- 想要增值的錢Growth assets
為了追求成長，通常需要承擔較多市場風險。
- 想要保有的錢Protected assets
安全資金著重流動性與緩衝，通常配置在相對穩健的位置。
我要用哪些非傳統選擇，補充目前的退休規劃策略？
實用即時的保險知識Helpful, timely education
保險知識，簡單說清楚。Insurance, explained simply.
水豚君帶路 · CAPYBARA GUIDE紅藍卡新手攻略2026–2027 Medicare 101 最新變化
↗紅藍卡 · Medicare
2026 年紅藍卡保費與免賠額完整解析
2026 Medicare premiums and deductibles, clearly explained
Read the guide · 閱讀文章 ↗長期照護 · Long-Term Care
長期照護保障實用指南
A practical guide to long-term care coverage
Read the guide · 閱讀文章 ↗人壽保險 · Life Insurance
了解 MEC 規則及其重要影響
Understanding MEC rules and why they matter
Read the guide · 閱讀文章 ↗從一次對話開始Begin with a conversation
讓您的下一步更清楚、更安心。Let's make your next step feel clear.
無論您正在規劃健保、退休或家庭保障，歡迎與 Ivy 聊聊。
Orange office · 橙縣辦公室438 E Katella Ave, #227–228
Orange, CA 92867
Orange, CA 92867
Office hours · 辦公時間
Monday–Friday · 週一至週五
9:30 AM–5:30 PM
Connect · 聯絡方式
LINE: ivyyang0918
WeChat: ivyyang101