「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。
跨界巔峰，智馭未來
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
加州大学是位于美国加州的一个由十所公立大学组成的大学系统，也是世界上最具影响力的公立学系统。加州大学洛杉矶分校的商学院排名紧跟柏克莱大商学院，全美各类商学院至少有4,000个，加州大学洛杉矶分校商学院目前排名第16名。
IBSE 課程說明
Description 说明
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.
这个为期两周的课程专为有兴趣在商业核心功能领域提升知识的商业专业人士设计，并通过探索在当今充满活力的商业环境中使用的最佳实践来进一步扩展其专业知识。
Learning Objectives 学习目标
- Develop a sound understanding of the core functional areas in business, such as Finance, Managerial Accounting, Marketing, Operations management and Human Resources 对财务，管理会计，市场营销，运营管理，人力资源等核心职能领域有深入的了解
- Cultivate an awareness of the ethical environment in which today’s businesses exist 培养对当今企业存在的道德环境的认识
- Be able to identify best practices in key areas such as negotiation and leadership development 能够确定谈判和领导力发展等关键领域的最佳实践
- Have gained insight into the fundamental concepts of entrepreneurship 已经深入了解创业的基本概念
- Understand how to incorporate strategic analysis into the workplace 了解如何将战略分析纳入工作场所
Topics Include 主题包括
- International Business 国际商务
- Business Ethics 商业伦理
- Corporate Social Responsibility 企业社会责任
- Financial Management and Evaluation 财务管理与评估
- Marketing 营销
- Operations Management 运营管理
- Entrepreneurship 创业
- Strategic Management 战略管理
Site Visit 现场参观
There will be a two industry-related site visits for this program
这个课程将有两个行业相关的实地考察
Methods of Instruction/Teaching Method 教学方法
Lecture, group discussion and site visits 讲座，小组讨论和实地考察
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世纪全球商业
这是一个介绍性的讲座，旨在提供当今商业环境的概述。 全球景观在过去十年中发展成新的经济力量並继续在市场上扩张。 相反，老一点的经济体继续占主导地位，但必须发展才能保持竞争力。 关键的条件和概念将被涵盖，并将通过全球经济舞台上的各种角色的角度来看待。 这将包括讨论当今国际市场中的挑战和机遇。
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.
市场营销管理
本次研讨会将探讨营销策略，使组织能够在瞬息万变的世界中取得竞争优势。 市场营销的当前趋势也将被讨论，包括数字营销，社交媒体，声誉管理和移动营销。
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.
财务管理/评估原则和管理分析
一个企业的成功最终以可量化的术语来定义。 理解公司为了做出合理的财务决策而使用的框架对于组织的所有管理者和新兴领导者都是必要的。 本课程首先介绍企业财务管理的一般理论和概念。 学生将被介绍到各种财务报表。 我们的目标是帮助他们解释报告，而不仅仅是说明数字，以便做出合乎逻辑和有利的业务决策。
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.
运营管理
以前，运营管理主要集中在工业制造业。 然而，将这些理论和概念应用到其他业务领域的趋势日益明显。 这些关键是质量管理和利用精益原则和实践实行的想法。 这些主题将介绍给学生，并将包括今天的龙头企业的案例研究。
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.
战略管理
战略管理从一个中心问题开始，解释为什么一些公司比其他公司获利更多。 本次研讨会运用案例研究，通过整合来自各个职能领域的知识来评估企业，同时引入新的战略管理概念，原则和框架。 主题包括：外部和内部分析，应用SWOT和组织结构。
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.
发展领袖能力
有效的领导可以标志着一个成功的组织和即将失败的组织之间的差异。 在这个模块中，参与者探索当前的领导理论和实践，包括领导风格，文化和团队建设的动力。
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.
创业/企业内部管理
研讨会旨在提供创业概念的总体概述，并为学生提供在各种组织中应用这些技能的基本理解。 学生将获得如何创业的基本依据。 此外，他们还将学习如何将技能从新创企业转移到大企业或非营利企业。
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.
管理伦理
本次研讨会讨论道德在公司环境中的作用。 参与者将被介绍到在商业世界中分析道德问题所需的决策工具。 他们将利用案例研究来评估公司伦理上值得赞扬的决定以及公司在道德上的可耻行为。
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.
企业社会责任
企业社会责任（Corporate Social Responsibility，CSR）根源在于企业不仅要为股东服务，也要为整个社会服务。 企业社会责任最初侧重于企业如何利润，企业社会责任已经扩展到包括这些利润如何产生。 企业社会责任让企业超越传统角色，成为致力于解决社会或环境挑战的产品和技术的创新者。
讲师介绍
教授群将以UCLA Anderson School of Management为主要讲师
LA企业顾问
Robert Sun 孙文铁会长
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 U.S.A. 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 U.S. 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 U.S. 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 U.S. 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.
美中协会（ACCS）创始人兼总裁
孙文铁先生将美中两国政府关系，高层商业合资企业和医疗器械，制药，能源，食品，房地产等方面的卓越外交，执行和管理成就结合在一起。
孙先生于一九七七年获得浙江大学文学学士学位，曾在中国政府外交部工作六年，任外交官。有一年半的时间，他在来美国之前曾担任中国大学校长助理。他于1986年在加利福尼亚大学河滨分校获得工商管理硕士学位。
1996年，他和其他4位来自中国的中国企业界朋友在美国发起并创立了中国CEO组织。他任职3年，任总裁2年。 2005年，孙文铁先生成立了一个名为“美中企业CEO协会”的新协会（www.american-chineseceo.org）和会员活动网站www.americanchineseceosociety.wildapricot.org，为美国主流公司和中国企业服务，成立以来的主席和总统。并且所有在中美之间从事经营的公司首席执行官都可以参加。在过去的25年中，他建立了一个强大的国际，政府，商业和学术联系网络。他在政界和商界受到广泛的尊重，受邀为许多学术，政府和商业会议作客座讲座。
2006年，孙文铁先生应白宫的邀请来到美国总统胡锦涛访华的总统及其官方代表团访问白宫。
2012年，孙文铁先生在美国中国贸易峰会和盛大的宴会上参加了欢迎中国新领导人习近平和他在洛杉矶的代表团。
多年来，孙文铁先生一直与中国的许多领导人，政府和企业保持着高层次的接触和友谊。他的联系包括中国国家最高领导人，人民代表大会和许多中国最大的公司的首席执行官。孙先生在中国精英圈受到尊重，受邀为中国官员和商学院讲学。孙先生是中国日报，www.chinadaily.com.cn，新华网新华网，新华网，环球时报，www.globaltimes.cn以及杂志www.zhyc等中国知名新闻机构的采访对象。 com.cn，浙商网www.ezjsr.com，乔缘www.qiyu.qikan.com等多家新闻媒体。
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 是一名律师，现在担任Urban Commons的投资者关系副总裁和内部律师。 她擅长商业，房地产和投资移民法。 她拥有圣母大学法学院的法学博士学位，也是加州律师协会的成员。
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 U.S. 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 U.S.
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
杰罗姆袁先生是位于加利福尼亚州洛杉矶的ASAP International Holdings的首席投资长。在袁先生的帮助下，ASAP已经成为投资房地产和运营公司的综合投资平台。 ASAP已经在10个州进行了32次房地产投资，交易价值约15亿美元。通过长期的经验和牢固的人际关系，杰罗姆长期达成具有吸引力的风险调整回报。
袁先生亲自领导了价值15亿美元的房地产私人股权交易的投资，并出售了价值2亿美元的投资者回报资本，理解调节周期的重要性。
在担任首席投资长和投资组合基金经理之前，袁先生在上市的Cyber Merchants Exchange Inc开始了他的职业生涯，这是一个美国与中国国内零售商的国际商业互联网。在袁先生的协助下，Cyber Merchants Exchange获得福布斯杂志“最佳互联网”奖两次，Deloitte＆Touche“Fast 50”公司在洛杉矶的第三名以及排名前100的“快速500“在美国的所有公司
袁先生是2008年2月在德国法兰克福德意志交易所上市的IBMC中国公司副总裁。在袁先生的积极参与下，IBMC中国在中国开设了28家国际品牌零售店。上海，无锡，苏州，重庆等城市。
学历
南加州大学马歇尔商学院
工商管理硕士
加利福尼亚大学洛杉矶分校
经济学学士学位
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 U.S. 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, B.A.
• Golden Gate University School of Law, J.D.
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。
学历
• 加州大学伯克利分校B.A.
•金门大学法学院，J.D.
Jeffrey Tsuei 崔沛然
Founder and President of HBD CEO学院
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.
承袭史丹佛大学 – 米尔顿•艾瑞森（Milton H. Erickson）心理学派，其上班族的生涯中，曾在不同领域的企业体内，担任业务部经理，公关部经理的职位。在领导管理，人际沟通的研究范畴中创新理论。
美国洛杉矶/中国北京上海广州/台湾等地区二十年超过6000场次专业演讲，专业经理人培训250梯次教授成功法。
目前，除担任美国HBD Financial Inc.负责人外，亦成立HBD美国洛杉矶首席执行官4.0学院与加州大学洛杉矶分校推广CEO 4.0，并与美国媒体合作致力于推广「美国品牌中国市场」。
HBD美国洛杉矶CEO 4.0学院创办人。
简体中文 
繁體中文 
English