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San Jose  ·  The Peninsula  ·  Santa Clara County

Build wealth.
Protect what matters.
Leave a legacy.

Comprehensive financial strategies for business owners, professionals, and families — with dedicated practices in commercial business planning and special needs financial planning.

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Golden Summit — a MassMutual sales office, est. 1851 CA Insurance Lic. #4057398 Services in English & Tiếng Việt
Thi Nguyen, Financial Advisor in San Jose, California
Thi Nguyen
Financial Advisor

About

A planning practice built for the people who build things.

Thi Nguyen is a financial advisor with Golden Summit Wealth & Insurance Solutions in San Jose, a MassMutual sales office backed by more than 170 years of financial strength. Her practice centers on two areas that demand specialized attention: the financial architecture of privately held businesses, and long-term planning for families caring for a loved one with special needs.

Clients work with one advisor across every layer of their financial life — company retirement plans, owner and key-person protection, commercial coverage, and household planning — so strategies reinforce each other instead of overlapping. Consultations are available in English and Vietnamese.

Practice Area 01

Commercial & Business Planning

For founders, owner-operators, and companies up to 100 employees — the plans that protect the business and the people behind it.

Retirement & Benefits

Plans that help you attract talent, manage taxes, and build your own retirement alongside your company's.

  • 401(k) plan design and review for businesses
  • SIMPLE IRA-to-401(k) conversion guidance
  • Group benefits for teams of 2 to 99
  • Owner and executive retirement strategies

Protection & Continuity

What happens to the business if something happens to you or your key people — answered in writing, in advance.

  • Key-person life and disability coverage
  • Buy-sell agreement funding and succession planning
  • Workers' compensation, liability & commercial auto
  • Founder equity protection for startups

Practice Area 02

Special Needs Financial Planning

Careful, coordinated strategies for families caring for a loved one with a disability — securing lifetime care without jeopardizing the benefits they rely on.

Preserving Eligibility

Well-meaning gifts and inheritances can disqualify a loved one from SSI and Medicaid. Planning prevents that.

  • Benefits-aware saving and gifting strategies
  • ABLE account guidance — including the 2026 eligibility expansion to age-46 disability onset
  • Coordination with special needs trust attorneys

Funding Lifetime Care

A plan for your loved one's care that outlives you — funded, documented, and reviewed as life changes.

  • Life insurance structured to fund future care
  • Letter of intent preparation for caregivers
  • Guardianship-era to independence-era transitions
  • Family coordination across generations

Additional Services

Personal planning, all under one roof.

Whole Life Insurance

Lifetime protection that builds guaranteed cash value — a foundation to borrow against, retire on, and pass down.

Protection Bundling

Life, disability, and long-term care designed together — coverage that overlaps where it should and never where it wastes money.

W-2 Professionals

Employer benefits, equity compensation, and everything your employer's plan doesn't cover.

1099 & Self-Employed

Retirement and protection strategies for independent earners — built when no employer builds them for you.

Personal Insurance

Auto, home, landlord, renters, health, and umbrella — reviewed together so nothing falls through the cracks.

Legacy & Estate Strategies

Beneficiary reviews, life insurance for wealth transfer, and planning that starts the next generation further ahead.

Insights

The Weekly Brief

Plain-English updates on the rules, deadlines, and planning changes that affect business owners and families — published weekly.

Week of August 4, 2026

New Retirement Catch-Up Rules Are Live — and ABLE Accounts Just Opened to Millions More

High earners now face Roth-only catch-up contributions, savers aged 60–63 get a "super catch-up," and the ABLE Age Adjustment Act expands special needs savings eligibility to disabilities beginning before age 46.

Read this week's brief →
All insights →

How It Works

Three steps. Zero pressure.

01

Conversation

A complimentary consultation — your goals, your business, your family. No products, no obligation.

02

Strategy

A written plan matched to where you are — reviewed line by line until every piece makes sense.

03

Stewardship

Regular reviews as your company grows and your family's needs change. One advisor, accountable over time.

FAQ

Common questions

What is special needs financial planning?

It is long-term planning for families who care for a loved one with a disability. The core challenge: assets left directly to that loved one can disqualify them from SSI and Medicaid. Planning uses tools like ABLE accounts, special needs trusts (drafted by an attorney and coordinated with your financial plan), and properly structured life insurance so care is funded for their lifetime without risking benefits.

My business has fewer than 10 employees. Is a 401(k) realistic?

Often, yes. Plan costs have fallen significantly, and federal tax credits can offset startup costs for small plans. A short conversation can establish whether a 401(k), SIMPLE IRA, or SEP is the right fit for your size and payroll.

Do I need a certain amount of money to work with an advisor?

No. The practice serves businesses from two-person startups to 99-employee companies, and households from first paycheck to established wealth. The first consultation is complimentary.

Can we meet in Vietnamese?

Yes — consultations and every document walkthrough are available in English or Vietnamese, whichever you prefer.

Who is Golden Summit / MassMutual?

Golden Summit Wealth & Insurance Solutions is a San Jose sales office of Massachusetts Mutual Life Insurance Company (MassMutual), founded in 1851 — one of the largest mutual life insurance companies in the United States.

What areas does the practice serve?

San Jose, the Peninsula, and greater Santa Clara County — with insurance licensing in California (Lic. #4057398), Texas, Hawaii, and Washington.

Start with a conversation.

The first consultation is complimentary — for your business, your family, or both.

Schedule a Consultation
(669) 254-9496  ·  thinguyen@cafinancialsvc.com
181 Metro Drive, Suite 550, San Jose, CA 95110