跨界巔峰，智馭未來

「TOT金融家」象徵著跨界融合與頂尖思維的交匯。它打破了傳統金融的狹隘疆界，不是單一領域的專家集合，而是由來自科技巨擘、實業大亨、創投先鋒到頂尖學者等各行各業、立於金字塔頂端的領軍人物，共同織就而成的頂級智囊網絡。
這群跨界菁英將多元產業的底層邏輯與金融資本深度嫁接，展現出無與倫比的戰略視野。他們憑藉各自在所屬領域的卓越成就與深厚資源，以全局觀洞察全球市場趨勢，將豐富的行業知識轉化為精準的投資與決策導向。
當這些「異質性」極高的頂尖大腦匯聚碰撞，便產生了強大的化學反應。他們不只管理財富，更是在重新定義資本的價值，透過跨領域的資源整合與協同效應，在思維交鋒中智馭未來，為現代金融注入了強大的創新動能與無限可能。

高端人脈網絡到資本市場的躍升閉環

這張圖表主要闡述了企業如何透過資本運作，將頂尖的平台資源轉化為戰略性企業資產，最終放大為IPO規模商業資本的閉環路徑。
其核心邏輯可以分為以下三個演進階段：
• 01 商盟平台資源：這是商業循環的起點。透過匯聚各行業頂尖前1%的高端領導者，構建一個獨特、稀缺且具備高度信任的跨產業高端網絡。
• 02 戰略性企業資產：這是資源變現的關鍵紐帶。企業透過高效的資本運作，將上述獨特的平台資源進行有效串聯、整合與協同，使其轉化為企業可自主掌控、持續運用的戰略性資產。
• 03 IPO規模的商業資本：這是商業擴張的最終結果。依托戰略資產的協同效應，進一步催化並放大商業資本規模，從而顯著提升企業 Market 影響力、合作機會與價值創造能力。

TOT金融家：建構企業百年基業與個人財務自由的黃金心法

「TOT金融家」的核心藍圖，旨在引導企業家與高階經理人透過創新的商業思維，實現企業長青與個人財富的跨代傳承。
其核心架構主要由三大維度組成：
• 核心理念：著重於為企業打造「三大護城河」與「四大財富引擎」。這不僅能深化企業的長期競爭優勢，更能協助創業者跨越經營週期的挑戰，最終目標是培育出能「世傳三代」的偉大金融家族。
• 經營模式：強調槓桿思維的運用。透過靈活對接「P2P商業平台」，企業能有效撬動並整合多元的「商業資源」，在市場中建立起強大的商業槓桿能力，用小支點創造大效益。
• 財務目標：為新金融家設定了具體的里程碑——挑戰「美元佰萬年薪」。藉由建構多元化且國際化的收入與資產增長模式，個人能徹底擺脫單一營收風險，真正實現長期財務自由與資產增值，成功晉升全球 1% 的頂尖高收入族群。

TOT金融家：全方位商業槓桿的全新維度

在當今瞬息萬變的全球經濟浪潮中，企業的成功不再僅僅依賴傳統的資金或資源，而是取決於整合與放大的「360度槓桿能力」。透過由「策略眼光、國際整合與IOP資本規劃」所建構的AI智能系統為核心，現代商業領導者正迎來一場效率與影響力的全面革命。
這套系統完美連結了三大核心商業地圖。首先是1:1的商業談判能力，透過深入理解市場痛點與精準設計方案，快速建立互信並達成高效成交。其次是1:100的商業舞台主宰力，協助企業家精準掌握舞台節奏、清晰傳遞核心價值，進而無限放大品牌的市場影響力。最後則是Zoom線上對接能力，打破地域與空間的限制，實現跨地域的即時連線與高效需求篩選，持續擴大全球合作網絡。
這不僅是一個工具，更是一個以TOT商盟鏈結的全新商業平台。在AI智能的強力賦能下，它將零散的商業資源轉化為源源不絕的槓桿動能，帶領企業在數位時代中持續放大商業影響力，開創無可比擬的卓越成果。

TOT商盟：企業跨界升級與資本騰飛

在當今瞬息萬變的商業浪潮中，企業單打獨鬥的時代已經過去，唯有融入高效的生態圈才能實現永續發展。「TOT商盟商業生態運作系統」以媒體曝光、商業連結、資本運作與風險保障為四大核心，為企業打造全方位的成長閉環。
系統透過六大關鍵紐帶精準賦能企業：首先利用「電視媒體」塑造強大品牌形象，放大市場聲量；接著藉由「商業活動」匯聚跨界資源，促成高價值對接並創造合作契機。在合規治理上，由「稅務法務」專家團隊降低交易風險，守護企業權益；同時打通「金融紐帶」，串聯銀行與專業團隊以支援企業發展。針對有擴張需求的企業，系統提供「資本 IPO」戰略規劃，助力對接投資市場；最後配置「金融保險」以守護資產安全，支持企業長期傳承。
TOT商盟不僅是一個商會，更是一個資源共享、風險共擔、利益共贏的現代化商業生態系，助您在變局中精準佈局，實現資本與價值的雙重騰飛。
這不僅是一個工具，更是一個以TOT商盟鏈結的全新商業平台。在AI智能的強力賦能下，它將零散的商業資源轉化為源源不絕的槓桿動能，帶領企業在數位時代中持續放大商業影響力，開創無可比擬的卓越成果。

TOT 商盟攜手頂尖金融菁英，共創偉大金融家族。

在當前全球經濟多變的浪潮中，財富的傳承已不再傾於單純的資產數字增長，更是一場關於遠景、智慧與價值的永續佈局。TOT 商盟所銷售的從不是傳統的金融商品，而是一份專為客戶量身打造的藍圖，旨在協助客戶建構並成就偉大金融家族的榮耀與傳承。
為了實現這個宏大的願景，TOT 商盟百萬美元俱樂部正廣開大門，積極邀請來自台灣、美國、中國、香港、馬來西亞及新加坡等地的各界銷售菁英加入。無論您是深耕金融、保險、會計領域的專家，還是精通律師、地產、汽車及 IT 產業的跨領域高手，這裡都是您挑戰年薪三千萬台幣、展現卓越實力的頂尖舞台。
加入 TOT 商盟，不僅是個人事業的顛峰飛躍，更是與志同道合的夥伴攜手合作，共同推動華人世界在國際金融舞台上的影響力。如果您對財富管理抱持熱忱，渴望為客戶帶來深遠且正向的變革，歡迎與我們並肩同行。讓我們成就客戶、成就自己，攜手打造下一個偉大的金融家族！

International Business Successor Ecosystem

國際接班人聯盟

IBSE 課程說明
IBSE 課程表
IBSE 講師介紹
IBSE 報名表格

加州大學是位於美國加州的一個由十所公立大學組成的大學系統，也是世界上最具影響力的公立學系統。加州大學洛杉磯分校的商學院排名緊跟柏克萊大商學院，全美各類商學院至少有4,000個，加州大學洛杉磯分校商學院目前排名第16名。

IBSE 課程說明

Description 說明

This two week course is designed for business professionals interested in refreshing their knowledge in the core functional areas of business and further expanding their expertise by exploring best practices in use in today's dynamic business environment.

這個為期兩週的課程專為有興趣在商業核心功能領域提升知識的商業專業人士設計，並通過探索在當今充滿活力的商業環境中使用的最佳實踐來進一步擴展其專業知識。

Learning Objectives 學習目標

  • Develop a sound understanding of the core functional areas in business, such as Finance, Managerial Accounting, Marketing, Operations management and Human Resources 對財務，管理會計，市場營銷，運營管理，人力資源等核心職能領域有深入的了解
  • Cultivate an awareness of the ethical environment in which today's businesses exist 培養對當今企業存在的道德環境的認識
  • Be able to identify best practices in key areas such as negotiation and leadership development 能夠確定談判和領導力發展等關鍵領域的最佳實踐
  • Have gained insight into the fundamental concepts of entrepreneurship 已經深入了解創業的基本概念
  • Understand how to incorporate strategic analysis into the workplace 了解如何將戰略分析納入工作場所

 

Topics Include 主題包括

  • International Business 國際商務
  • Business Ethics 商業倫理
  • Corporate Social Responsibility 企業社會責任
  • Financial Management and Evaluation 財務管理與評估
  • Marketing 營銷
  • Operations Management 運營管理
  • Entrepreneurship 創業
  • Strategic Management 戰略管理

 

Site Visit 現場參觀

There will be a two industry-related site visits for this program

這個課程將有兩個行業相關的實地考察

 

Methods of Instruction/Teaching Method 教學方法

Lecture, group discussion and site visits 講座，小組討論和實地考察

 

Global Business in the 21st Century

This is an introductory lecture that is meant to provide an overview of today's business environment. The global landscape has evolved over the past decade as new economic powers continue their expansion in the marketplace. Conversely, older economies continue to dominate but must evolve in order to remain competitive. Key terms and concepts will be covered and will be looked at through the lens of various actors on the global economy stage. This will include a discussion regarding the challenges and opportunities within today's international markets.

 

21世紀全球商業

這是一個介紹性的講座，旨在提供當今商業環境的概述。全球景觀在過去十年中發展成新的經濟力量並繼續在市場上擴張。相反，老一點的經濟體繼續占主導地位，但必鬚髮展才能保持競爭力。關鍵的條件和概念將被涵蓋，並將通過全球經濟舞台上的各種角色的角度來看待。這將包括討論當今國際市場中的挑戰和機遇。

Marketing Management

This seminar examines marketing strategy to allow organizations to achieve a competitive advantage in a rapidly changing world. Current trends in marketing will also be discussed and will include digital marketing, social media, reputation management, and mobile marketing.

 

市場營銷管理

本次研討會將探討營銷策略，使組織能夠在瞬息萬變的世界中取得競爭優勢。市場營銷的當前趨勢也將被討論，包括數字營銷，社交媒體，聲譽管理和移動營銷。

 

Principles of Financial Management/Evaluation and Managerial Analysis

The success of a business is ultimately defined in quantifiable terms. An understanding of the framework used by companies in order to make sound financial decisions is necessary for all managers and emerging leaders of an organization. The course begins with an introduction to general theories and concepts of corporate financial management. Students will be introduced to various financial statements. The goal is to assist them with interpreting reports beyond just the stated numbers in order to make logical and profitable Business decisions.

 

財務管理/評估原則和管理分析

一個企業的成功最終以可量化的術語來定義。理解公司為了做出合理的財務決策而使用的框架對於組織的所有管理者和新興領導者都是必要的。本課程首先介紹企業財務管理的一般理論和概念。學生將被介紹到各種財務報表。我們的目標是幫助他們解釋報告，而不僅僅是說明數字，以便做出合乎邏輯和有利的業務決策。

 

Operations Management

Previously, operations management was focused on the manufacturing sector of industry. However, there has been a growing trend of applying these theories and concepts to other areas of business. Key among these are the ideas of Quality Management and utilizing Lean principles and practices. These topics will be introduced to students and will include case studies of today's leading enterprises.

 

運營管理

以前，運營管理主要集中在工業製造業。然而，將這些理論和概念應用到其他業務領域的趨勢日益明顯。這些關鍵是質量管理和利用精益原則和實踐實行的想法。這些主題將介紹給學生，並將包括今天的龍頭企業的案例研究。

 

Strategic Management

Strategic management begins with a central question addressing why are some firms more profitable than others. This workshop utilizes case studies to evaluate corporations by integrating knowledge from various functional areas, while simultaneously introducing new strategic management concepts, principles, and frameworks. Topics include: external and internal analysis, applying SWOT, and organizational structure.

 

戰略管理

戰略管理從一個中心問題開始，解釋為什麼一些公司比其他公司獲利更多。本次研討會運用案例研究，通過整合來自各個職能領域的知識來評估企業，同時引入新的戰略管理概念，原則和框架。主題包括：外部和內部分析，應用SWOT和組織結構。

 

Leadership Development

Effective leadership can mark the difference between a successful organization and one that is on the verge of failing. In this module, participants explore current leadership theories and practices including leadership style, the dynamics of culture and team-building.

 

發展領袖能力

有效的領導可以標誌著一個成功的組織和即將失敗的組織之間的差異。在這個模塊中，參與者探索當前的領導理論和實踐，包括領導風格，文化和團隊建設的動力。

 

Entrepreneurial/Intrapreneurial Management

The seminar is designed to provide a general overview of entrepreneurial concepts and provide students with a fundamental understanding of the application of these skills across numerous types of organizations. Students will gain a foundational basis of how to start their own venture. In addition, they will learn how the skills are transferable from new start-ups, to large and established businesses, or non-profit enterprises.

 

創業/企業內部管理

研討會旨在提供創業概念的總體概述，並為學生提供在各種組織中應用這些技能的基本理解。學生將獲得如何創業的基本依據。此外，他們還將學習如何將技能從新創企業轉移到大企業或非營利企業。

 

Ethics in Management

This seminar discusses the role of ethics in the corporate environment. Participants will be introduced to the decision making tools needed to analyze moral issues within the business world. They will utilize case studies to evaluate ethically commendable decisions by companies as well as morally disgraceful actions by companies.

 

管理倫理

本次研討會討論道德在公司環境中的作用。參與者將被介紹到在商業世界中分析道德問題所需的決策工具。他們將利用案例研究來評估公司倫理上值得讚揚的決定以及公司在道德上的可恥行為。

 

Corporate Social Responsibility

Corporate Social Responsibility (CSR) is rooted in the concept that companies should service not only their shareholders but society at large. Initially focusing on how companies spend their profits, CSR has branched out to encompass how these profits are generated. CSR allows companies to transcend their traditional roles to become innovators of products and technologies that strive to solve social or environmental challenges.

 

企業社會責任

企業社會責任（Corporate Social Responsibility，CSR）根源在於企業不僅要為股東服務，也要為整個社會服務。企業社會責任最初側重於企業如何利潤，企業社會責任已經擴展到包括這些利潤如何產生。企業社會責任讓企業超越傳統角色，成為致力於解決社會或環境挑戰的產品和技術的創新者。

講師介紹

教授群將以UCLA Anderson School of Management為主要講師

LA企業顧問

Robert Sun 孫文鐵會長
Founder and President of American-Chinese CEO Society (ACCS)

Robert Sun combines impressive diplomatic, executive and management achievements in US and China government relations, high level business joint ventures and medical device, pharmaceutical, energy, food industry, real estate and so on.

Robert Sun received his BA from Zhejiang University in China in 1977. He worked for the Chinese government in foreign services for 6 years as a diplomat. For one and half a year he served as Assistant to a Chinese University President before coming to USA He got his MBA from the University of California at Riverside in 1986.
In 1996 he and other 4 Chinese business friends from China initiated and founded the Chinese CEO Organization in the US He served as director for 3 terms and as president for 2 terms. In 2005 Robert Sun founded a new association called American-Chinese CEO Society , ( www.american-chineseceo.org) and the member & event website www.americanchineseceosociety.wildapricot.org) to serve main stream US companies and Chinese companies and has been the founding Chairman and President ever since. And membership is open to all company CEOs who are engaged in doing business between USA and China in all areas. Over the last 25 years, he has built a strong network of international, government, business and academic contacts.He is widely respected in the government and business circles, and has been invited to give guest lectures to many academic, government, and business conferences.

In 2006, Robert Sun was invited by the White House to the US President Welcome Ceremony for the visiting President of China Hu Jing Tao and his official delegation at the White House.
In 2012, Robert Sun participated in welcoming Chinese new leader President Xi Jin Ping and his delegation in Los Angeles at the US China Trade Summit and the grand banquet.

Through all these years, Robert Sun has maintained high level contacts and friendship with many leaders in China, both government and business. His contact includes China's top leaders in the state government, People's Congress, and CEO's of many of the largest corporations in China. Robert Sun is well respected in China's elite circle, and has been invited to give lectures to Chinese officials, and business schools. Robert Sun is an often interviewee of China well-known news agencies such as China Daily, www.chinadaily.com.cn , Xinhua News www.xinhuanet.com, Global Times, www.globaltimes.cn and also magazines, www.zhyc.com.cn, Zhejiang Business Men www.ezjsr.com, Qiao Yuan www.qiyu.qikan.com and many other news media.

美中協會（ACCS）創始人兼總裁
孫文鐵先生將美中兩國政府關係，高層商業合資企業和醫療器械，製藥，能源，食品，房地產等方面的卓越外交，執行和管理成就結合在一起。

孫先生於一九七七年獲得浙江大學文學學士學位，曾在中國政府外交部工作六年，任外交官。有一年半的時間，他在來美國之前曾擔任中國大學校長助理。他於1986年在加利福尼亞大學河濱分校獲得工商管理碩士學位。

1996年，他和其他4位來自中國的中國企業界朋友在美國發起並創立了中國CEO組織。他任職3年，任總裁2年。 2005年，孫文鐵先生成立了一個名為“美中企業CEO協會”的新協會（www.american-chineseceo.org）和會員活動網站www.americanchineseceosociety.wildapricot.org，為美國主流公司和中國企業服務，成立以來的主席和總統。並且所有在中美之間從事經營的公司首席執行官都可以參加。在過去的25年中，他建立了一個強大的國際，政府，商業和學術聯繫網絡。他在政界和商界受到廣泛的尊重，受邀為許多學術，政府和商業會議作客座講座。

2006年，孫文鐵先生應白宮的邀請來到美國總統胡錦濤訪華的總統及其官方代表團訪問白宮。
2012年，孫文鐵先生在美國中國貿易峰會和盛大的宴會上參加了歡迎中國新領導人習近平和他在洛杉磯的代表團。
多年來，孫文鐵先生一直與中國的許多領導人，政府和企業保持著高層次的接觸和友誼。他的聯繫包括中國國家最高領導人，人民代表大會和許多中國最大的公司的首席執行官。孫先生在中國精英圈受到尊重，受邀為中國官員和商學院講學。孫先生是中國日報，www.chinadaily.com.cn，新華網新華網，新華網，環球時報，www.globaltimes.cn以及雜誌www.zhyc等中國知名新聞機構的採訪對象。 com.cn，浙商網www.ezjsr.com，喬緣www.qiyu.qikan.com等多家新聞媒體。

Wileen Leu

Wileen Leu is an attorney and currently serves as VP of Investor Relations and in-house counsel at Urban Commons. She specializes in business, real estate, and investment immigration law. She earned her JD degree from the University of Notre Dame Law School and is a member of the California bar.

Wileen Leu 是一名律師，現在擔任Urban Commons的投資者關係副總裁和內部律師。她擅長商業，房地產和投資移民法。她擁有聖母大學法學院的法學博士學位，也是加州律師協會的成員。

Jerome Yuan

Jerome Yuan is Chief Investment Officer for ASAP International Holdings based in Los Angeles, CA. With Jerome's help, ASAP has become a leading investment platform with combined experience of investing in real estate and operating companies. ASAP has made over 32 real estate investments across 10 states in transactions worth approximately $1.5 Billion. Through long term experience and strong relationships, Jerome has delivered a long track record of attractive risk-adjusted returns.

Jerome has personally led investment for real estate private equity deals worth $1.5 Billion and the sold $200 Million worth giving investors a return on their capital, understanding the importance of the full cycle.

Prior to his current role as Chief Investment Officer and Portfolio Fund Manager, Mr. Yuan began his career with publicly listed Cyber Merchants Exchange Inc, which is an international business-to-business internet portal for US domestic retailers looking to purchase overseas products directly from factories. With the assistance of Mr. Yuan, Cyber Merchants Exchange has had the distinction for Forbes Magazine “Best of the Internet” award twice and Deloitte & Touche “Fast 50” company listing in Los Angeles at 3rd place as well as ranking in top 100 “Fast 500” companies in all of the US

Mr. Yuan was the Vice President of IBMC China AG which listed onto the open market segment of the Deutsche Borse in Frankfurt Germany on February 2008. With the active participation from Mr. Yuan, IBMC China opened 28 retail stores for international brands throughout China in cities such as Shanghai, Wuxi, Suzhou, and Chong Qing.

EDUCATION
University of Southern California, Marshall School of Business
Master of Business Administration

University of California at Los Angeles
Bachelor of Arts, Economics

杰羅姆袁先生是位於加利福尼亞州洛杉磯的ASAP International Holdings的首席投資長。在袁先生的幫助下，ASAP已經成為投資房地產和運營公司的綜合投資平台。 ASAP已經在10個州進行了32次房地產投資，交易價值約15億美元。通過長期的經驗和牢固的人際關係，杰羅姆長期達成具有吸引力的風險調整回報。

袁先生親自領導了價值15億美元的房地產私人股權交易的投資，並出售了價值2億美元的投資者回報資本，理解調節週期的重要性。

在擔任首席投資長和投資組合基金經理之前，袁先生在上市的Cyber​​​​ Merchants Exchange Inc開始了他的職業生涯，這是一個美國與中國國內零售商的國際商業互聯網。在袁先生的協助下，Cyber​​​​ Merchants Exchange獲得福布斯雜誌“最佳互聯網”獎兩次，Deloitte＆Touche“Fast 50”公司在洛杉磯的第三名以及排名前100的“快速500“在美國的所有公司

袁先生是2008年2月在德國法蘭克福德意志交易所上市的IBMC中國公司副總裁。在袁先生的積極參與下，IBMC中國在中國開設了28家國際品牌零售店。上海，無錫，蘇州，重慶等城市。

學歷
南加州大學馬歇爾商學院
工商管理碩士

加利福尼亞大學洛杉磯分校
經濟學學士學位

Jennifer Fu 傅晶晶律師

Jennifer has over a decade of experience advising clients both locally and internationally. She is in tune with the culture of first-generation immigrants as she immigrated with her family to the US at the age of six. she is fluent in English, Mandarin, Cantonese , and Taiwanese.

Jennifer is active in the community and regularly speaks for a variety of community organizations, including the California State Bar's Estate Planning Section. She currently sits on the board of directors for the Rosemead Chamber of Commerce.

EDUCATION
• University of California, Berkeley, BA
• Golden Gate University School of Law, JD

傅晶晶律師是亞美達律師事務所的執行合夥人，專精遺產、財產規劃, 移民及商業法。傅律師提供客戶信託管理服務，以最大限度減免遺產及贈與稅，包括生前信託和不可撤銷信託。傅律師擁有豐富的商業法及商業簽證和移民申請經驗。傅律師精通英文、國語、粵語、和台語。

傅律師榮獲全額獎學金就讀於北京大學法律學府學習相對法。

傅律師積極參加社區的各種中英文的移民、財產規劃、和商業法講座。其中包括不少慈善和專業機構如: Rosemead Chamber of Commerce (柔斯密市商會), CalCPA (加州執照會計協會), 羅蘭崗Kiwanis Club, 聖蓋伯經濟合營(San Gabriel Economic Partnership), Senior Pathfinders, Financial Planners Association, 華裔家長會(CAPA), 北美華人會計師協會, 世界華人工商婦女企管協會, 以及國際範疇講座, 如中國民航大學, 和中國工商銀行。
傅律師是加州各地高等、上訴、及最高法院的出庭律師。

學歷
• 加州大學伯克利分校BA
•金門大學法學院，JD

Jeffrey Tsuei 崔沛然
Founder and President of HBD CEO學院

Jeffrey Tsuei is the head of HBD Financial Inc. and the founder of CEO 4.0 College of Los Angeles in the United States. Tsuei partners with University of California, Los Angeles and United States media to promote the CEO 4.0 program and the “American brand, Chinese market.”

Jeffrey Tsuei has held various top corporal positions in his career: Entrepreneur, business manager, public relations manager, and published writer. Tsuei has given more than 6,000 professional speeches and 250 seminars in the past 20 years, training corporate officials, managers, and CEO's in China (Beijing, Shanghai, Guanzhou) and Taiwan.

承襲史丹佛大學– 米爾頓•艾瑞森（Milton H. Erickson）心理學派，其上班族的生涯中，曾在不同領域的企業體內，擔任業務部經理，公關部經理的職位。在領導管理，人際溝通的研究範疇中創新理論。
美國洛杉磯/中國北京上海廣州/台灣等地區二十年超過6000場次專業演講，專業經理人培訓250梯次教授成功法。
目前，除擔任美國HBD Financial Inc.負責人外，亦成立HBD美國洛杉磯首席執行官4.0學院與加州大學洛杉磯分校推廣CEO 4.0，並與美國媒體合作致力於推廣「美國品牌中國市場」。
HBD美國洛杉磯CEO 4.0學院創辦人。

CEO 4.0 報名表格下載

HBD CEO4.0 報名表