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𝗝𝘂𝘀𝘁𝗶𝗻 𝗬𝗮𝗻𝗴

@jyangofficial

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Helping you optimize health and wealth 📈
Father | Golf | Biohacker
𝙁𝙤𝙪𝙣𝙙𝙚𝙧 @pretherapy
𝙁𝙖𝙢𝙞𝙡𝙮 𝙊𝙛𝙛𝙞𝙘𝙚 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘼𝙙𝙫𝙞𝙨𝙤𝙧 @ifm_canada
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I used to think financial freedom meant choosing between security and experiences.

Between protecting my family’s future and enjoying today.

Like it had to be one or the other.

When financial planning is done correctly, it allows you to have both.

These are the seven principles I follow personally and teach every client who wants to stop guessing and start achieving their financial freedom.

1. Optimize Taxes First (Most Important)

Stop paying more tax than you need to. Tax drag is the number 1 wealth killer. Tax efficiency is one of the easiest ways to improve your financial future because it doesn’t require taking on more risk.

2. Every Dollar should serve a Purpose

Your emergency fund, retirement savings, investments, and insurance all serve different roles. Once you know what each bucket is meant for, money starts to feel a lot less overwhelming.

3. Know What Resources are Available to You

Canada has some incredible financial planning tools that most people never use. Not because they’re hidden, but because no one ever explains them properly.

4. Maximize All Tax-Sheltered Accounts in All Channels.

One of the biggest advantages you have is using the right accounts and strategies for your situation. It’s not just about growing your money. Tax sheltering is your biggest lever.

5. Enjoy Your Life Today

Planning for the future is important, but tomorrow isn’t guaranteed. Every financial plan I build includes room for travel, experiences, and quality time with my daughters. You work to live, not the other way around.

6. Know Your Numbers

When you understand where your money is going and what your financial picture actually looks like, the fear starts to disappear. Clarity destroys fear.

7. Build a Strategy, Not Just a Plan

Anyone can put together a plan.

A real strategy connects your taxes, investments, protection, and long-term goals so they all work together.

Financial freedom isn’t about choosing between today and tomorrow.

It’s about building a strategy where you can protect your future while enjoying the present.

Learn through experience or learn through leverage 💭 by @jyangofficial

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3 months ago

“Work hard. Save money. Buy real estate.”
That was the blueprint handed down to many of us—especially in Asian immigrant families.

And it came from love.
From sacrifice.
From parents who gave up everything so we could “have a better life.”

But here’s the truth no one talks about:
That strategy alone doesn’t build generational wealth.
In fact, it can quietly destroy it.

Because no one told us about:
• Probate fees that can freeze or drain family assets
• Final taxes that take a huge bite at death
• Poor liquidity, no structure, and no plan for transfer

And it’s not our fault nor our parents fault.
We haven’t lived in Canada for a full wealth cycle yet.
We haven’t seen what really happens when our parents pass.
But as an advisor, I have.

I’ve seen families forced to sell off properties just to pay final tax bills.
I’ve seen inheritance amounts shrink overnight.
I’ve seen legacies delayed, diminished—or lost altogether.

All because no one taught us how the Canadian financial system actually works here.

We’ve been taught to make money.
Not keep it.
Not protect it.
Not pass it on.

But that can change—right now.
With the right planning, these losses are 100% preventable.
Legacy and generational wealth isn’t about luck—it’s about structure and proper financial planning.

This next chapter isn’t about working harder.
It’s about working smarter.
Structuring for tax.
Planning for legacy.
Building wealth that doesn’t just look good on paper—but lasts for generations.

Because wealth is more than assets.
Wealth is strategy. Wealth is peace. Wealth is preparation. by @jyangofficial

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a year ago

grateful. happy canadian thanksgiving 🦃🍂🤍 by @jyangofficial

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5 days ago

one year of you 🎂🤍 by @jyangofficial

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17 days ago

A privilege to be invited by Manulife HQ for an exclusive professional development session dedicated to our IFM brokerage.

This wasn’t a surface-level product training. It was a deeper look into how sophisticated advisors think, structure, and execute.

📈 Market & portfolio strategy — understanding the forces shaping today’s markets and positioning portfolios for what’s ahead.

💳 Advanced lending & liquidity — exploring creative financing strategies designed to unlock capital, improve cash flow, enhance capital efficiency, and protect against debt risk.

🏛️ Retirement & estate strategies — going deeper into structures designed around wealth accumulation, retirement income, estate transfer, and liquidity needs.

The competitive advantage isn’t having access to more products.

It’s knowing how to connect the right strategies, structures, and professionals to solve complex financial problems.

That’s the level I’m committed to operating at.

Grateful for the continued investment, access, and partnership from Manulife and IFM.

The learning never stops. Neither does the pursuit of excellence. 🙌🏻📈 taken in Manulife Financial Centre by @jyangofficial

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2 months ago

first time in a long time that it was just us 🤍 by @jyangofficial

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2 months ago

Today, our team was invited by our internal partners at MNP for a technical workshop focused on auditing, tax, family office structures, and how we can collaborate more effectively to serve our clients.

Holistic financial planning is rarely one product or one professional. It takes coordination between accounting, tax, investment, insurance, estate and corporate planning.

Continuous learning. Better collaboration. More sophisticated advice. More value for our clients.

Truly grateful for our internal partners to create the necessary support to provide the most comprehensive advisory. taken in MNP by @jyangofficial

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2 months ago

A trust is a legal way to hold assets for someone else, on your terms, even after you’re gone.

Parents use them so kids don’t inherit a lump sum at 18 with zero guardrails. Business owners use them to freeze their company’s value today and let future growth pass to their kids at lower rates. People 65+ use them to skip probate, keep their estate private, and plan for incapacity while still living off the income. Families use them to protect assets from a beneficiary’s creditors or a marriage breakdown, or to support a loved one without disqualifying them from disability benefits.

Different problems, same principle: control now, protection later.

However, get one detail wrong, attribution rules, a reversionary trap, a settlor with too much control, and CRA can unwind the whole structure.

Every trust I help build goes through our in-house CPA and legal team, tested from every angle before it ever holds a client’s assets.

Holistic planning means more than picking the right vehicle. It means fortifying it to withstand time and scrutiny both.

Grateful for the technical training that lets me operate at the level our clients deserve, and deliver advice built to protect what they’ve built 💪🏼 by @jyangofficial

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2 months ago

little moments with them
that’s the whole thing 🤍 by @jyangofficial

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2 months ago

LA Trip Recap

Day 1: Jhené throwing up (5 times) on the way to the airport.
Night 1: After settling in to our place, I wake up 2am with a fever.
Day 2: while fighting a fever, we went to Disneyland, going from extreme heat, exhaustion and extreme cold AC.
Day 3: Boyu gets food poisoning.

The itinerary we planned for months didn’t survive contact with day one.

And it ended up being the best thing that happened to us.

I’m grateful not for the vacation we planned, but for the one illness forced on us. What was left was slow mornings, no agenda, nowhere we had to be.

The trip I didn’t know I needed by @jyangofficial

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3 months ago

Golf has a way of revealing exactly who you are when nobody’s watching. Every shot that doesn’t go your way is a small detour, and how you respond to it tells the truth. Do you spiral, or do you adjust and keep walking. That’s not really about golf. That’s resilience, and it’s a muscle I’m still building, one hole at a time.

Grateful for the boys, for a summer this good, and for a game that keeps teaching me. Grateful most of all for the chance to learn more about myself, so I can show up better, as a leader, in my community 💙 taken in Nicklaus North Golf Club by @jyangofficial

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3 months ago

To be like the 1%, it isn’t isn’t a dollar figure. It’s a mindset. 💭

The 1% don’t have more accounts. They have more optimized accounts.

Most people leave cash sitting idle because their bank never tells them there’s something better. That’s exactly why I chose to be independent, so I can give impartial advice built around your best interest, not one bank’s product shelf.

Manulife is one of Canada’s most historic financial institutions, founded in 1887 with Sir John A. Macdonald, our first Prime Minister, as its first president. Now, for the first time, they’re offering 3% interest paid monthly for 2 years, as long as the account is opened before September 11th 2026.

If your chequing account is sitting idle and want to optimize your finances like the 1%, DM me to get started and lock in this promo before it’s gone. by @jyangofficial

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3 months ago