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Book Consultation →Established · Los Angeles
Golden Bridge Between Two Shores
Your Trusted U.S. Tax and Financial Partner
Tax & Wealth Planning for Families
Los Angeles · Hong Kong · Xiamen — three offices, one standard of care.
CPA · CFP® · CFA Candidate · Big Four tax practice · 30+ years U.S.–China experience
30yrs
Three Decades of Practice · A Lifetime of Planning
LA · HK · XMN
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About Golden Way
A lifelong financial steward for global Chinese families.
A trusted advisor across borders, generations, and decades.
Golden Way Financial Group is founded by Cynthia Lau — CPA, CFP®, CFA Candidate — serving clients whose lives span the United States and Greater China.
We serve new and established immigrants, global entrepreneurs, L1 executives, and high-net-worth families, providing professional support in tax planning, wealth succession, and asset protection.
We walk alongside our clients through every meaningful life milestone — buying a home, starting a business, relocating, retirement, and succession — bringing rigorous expertise and sincere care to safeguard the wealth and choices they have built.
— Golden Way, with you for the long view.
30yrs+
U.S.–China PracticeCross-Border Experience
01
4Big
Big Four Tax Practice AlumnaBig Four Foundation
02
3cities
LA · HK · XiamenThree Offices, One Standard
03
Our Services
Seven core practices spanning the full wealth life cycle.
Seven pillars of cross-border wealth & tax advisory.
01 / 07Bespoke
Financial Planning
Financial Planning
A complete map of household cash flow, assets, and liabilities — designed to preserve optionality at every life stage.
Learn More →02 / 07Tax Planning
Tax Planning
Compliance as the foundation, efficiency as the objective. Forward-looking strategy for individuals and businesses — never retroactive patchwork.
Learn More →03 / 07Cross-Border Tax
U.S.–China Coordination
Coordinated U.S. and China tax positioning. FBAR / FATCA / PFIC compliance and offshore asset reporting for dual-status clients.
Learn More →04 / 07Retirement Planning
Retirement Strategy
401(k), IRA, Roth conversions, Social Security optimization — retirement not as an ending, but another form of freedom.
Learn More →05 / 07Investment Management
Portfolio Construction
Anchored on risk tolerance and life objectives, we build durable, low-volatility, transfer-ready portfolios.
Learn More →06 / 07Annuities & Insurance
Protection Planning
Annuities, life and long-term care insurance — predictable cash flow today, a floor of protection for the next generation.
Learn More →07 / 07Estate Planning
Wealth Succession
Trusts, gifting, wills, and end-of-life arrangements — so assets, businesses, and family values transfer in orderly succession.
Learn More →
Cynthia Lau · Founder
Founder
Cynthia Lau
Founder & Principal Advisor
Cynthia Lau is the founder of Golden Way Financial Group — a U.S. Certified Public Accountant (CPA), Certified Financial Planner (CFP®), and CFA Candidate. She graduated with honors from the University of Southern California (USC) accounting program, then earned a Master of Taxation and an Estate Planning Graduate Certificate from Golden Gate University (GGU).
GGU is one of the most established graduate tax programs in the United States, with a long history of placing talent into the Big Four accounting firms. Cynthia began her career in the tax practice of a Big Four accounting firm and has run her own CPA practice for many years. She brings 30+ years of U.S.–China cross-border experience across U.S. taxation, cross-border structuring, estate and gift tax, and individual income tax.
As one of a very small number of advisors combining top-tier credentials with deep hands-on experience, she works at the intersection of cross-border tax compliance and comprehensive wealth planning — serving high-net-worth cross-border families with tax optimization, asset allocation, and long-term wealth strategy.
She has been invited to Phoenix TV USA to share tax and financial knowledge, and hosts a weekly YouTube interview series — consistently bringing substantive content to the community.
Community Affiliations
- President, California U.S.–China Accountants Association · 2019–2020
- CFO & Standing Director, U.S. Shenzhen Federation
- CFO, Hometown Love Foundation
- IRS-Registered EA Instructor
Fluent Languages
Mandarin國語
Cantonese粵語
EnglishEnglish
Clients need more than a tax return — they need a lifetime of wealth planning and legacy.
— Cynthia Lau, Founder
Our Process
Four stages, from first conversation to lifelong stewardship.
Unhurried, structured, and long-view by design.
01
Initial Consultation
30-Minute IntroA complimentary 30-minute conversation to understand your family structure, cross-border context, and current questions.
02
Discovery & Diagnosis
Written AssessmentWe map your assets, tax status, compliance exposure, and wealth goals into a written diagnostic.
03
Bespoke Strategy
Four-Pillar PlanAn executable plan across four pillars — tax, investment, insurance, and succession — tailored to your family.
04
Ongoing Stewardship
Lifelong PartnershipAnnual reviews, policy-change alerts, and response to major life events — a long relationship, one advisor.
Global Footprint
Three offices, one global Chinese family.
Los Angeles · Hong Kong · Xiamen
i→
Greater Los Angeles
Diamond Bar, CA · Headquarters1520 Bridgegate Ave Diamond Bar, CA, USA
ii→
Hong Kong
Hong KongTo be announced
iii→
Xiamen
Siming District · China77 Hubin East Road, Suite 1502 Siming District, Xiamen
Meet the team
Cross-border advisory teamA founder-led practice supported by specialists across tax, wealth, and law.
Founder + Support TeamInsights
Read all insights →Field notes on tax, wealth, and succession.
From three decades of cross-border practice.
The 2026 Retirement Windfall — 10 Legal Moves
The 60–63 "super catch-up" lets you defer up to $35,750 — but mistime it and Medicare premiums can triple two years later.
Read full article →Green Card vs. Citizenship: $2,000 a Month?
Social Security itself is status-blind — but SSI, Medicaid, and retiring abroad carry hidden costs most families underestimate.
Read full article →How Much to Retire? The Hardest Number Isn't Cash — It's Healthcare
The 4% rule is only the beginning — long-term care, IRMAA, and the ACA bridge define the shape of the next thirty years.
Read full article →Client Voices & Media
Long-term trust from clients, peers, and the press.
Quiet, patient, long-term relationships.
Every major decision in the last decade — buying property, selling the company, our children’s schooling, my parents’ estate — we talked to Golden Way first. They never push you to decide, but every answer leaves you at peace.
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Ms. Wang · Homemaker
I am a dual-status entrepreneur. Three different CPAs before never explained my tax picture clearly. Cynthia drew the whole map for me in one meeting.
C
Mr. Chen · Cross-Border Founder
My mother is in Xiamen, my children are in California, and I live in Hong Kong. Golden Way is the only team that can look after all three at once — and always with the same lead advisor.
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Mrs. Lee · Retirement Planning
View all episodes →
In the Media
"Wealth planning for cross-border Chinese families needs to be redefined."
Cynthia Lau has appeared on Phoenix TV USA, YouTube financial programs, and in multiple Chinese financial media — sharing 30+ years of perspective on cross-border tax, family succession, and retirement planning.
Phoenix TV USAYouTube Weekly
Begin Your Journey
Begin planning your cross-border wealth.
Plan once. Trust for a lifetime.
Book a Free 30-Minute Consultation →Phone+1 (626) 532-3423
EmailInfo@goldenwayfinancial.com
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