Lei Deng, CFA, CFP庐 – Forbes Advisor

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2bj9Vb0VnI6ICRJRlIsIyc05WZtlXYQBCa0J3bOJiOiIXZklmdvJHcisHLi02bj5Ca0J3bu5yc05WZtlXYwJyWs0VfiIjY1NnI6ICbyVVZnFGUiwiIxIWdzJiOiQUSUJCLikHduFmcyF2VgUWbvhEIuF2YpJXZtFEI0NncpZkI6IiclRWa29mcwJyesISbvNmLrJHdzFTOmJyWs0VfiUGbjlGdyFmLnFGdiojIsJXVldWYQJCLiQWaiV3cucWY0JiOiQUSUJCLi42bpxUel52bNJiOiIXZklmdvJHcisHLi02bj5ibvlGb5Vmbv1Gft92Yu42bpxWel52bt5ycyVmZm9Gft92YuwWYpNmbh5Wam5WZ2VmLzJXZmZ2bisFLd1nItVXakVWbf1Gd1JiOiwmcVV2ZhBlIsIibnlWYw1WYj9Vb0VnI6ICRJRlIsISZnFGduFmdkFUZu9kchVGbDJiOiIXZklmdvJHcisHLi02bj5SZnFGduFmdkFWZu9mchVGbjJyWs0VfiQWa0RWYfZFRBNlQSZkI6ICRJRlIsIybp5Cdy9GaTJiOiIXZklmdvJHcisHLi8yc15Cc0tWb8BjNzUmbvxWY0lGchN2LzVnLwR3atxXbw1CdlVGazRnch12cvMXduAHdr1GfsFmc05WZjdmbpJ3LzVnLwR3atxHep5WaG9yc15Cc0tWb89mc0NXaih2Y19GdvMXduAHdr1GfvJXZ49yc15Cc0tWb8RWahB1c19Way9GdjlmVvMXduAHdr1Gf5FGcu92LzVnLwR3atxHemJWZ39yc15Cc0tWb8xGbvJXehB3ZulGbwBXay9yc15Cc0tWb8JHan5WasBHcpJ3LzVnLwR3atJyWs0VfiQWatIWdzJiOiQUSUJCLiUGdhJ3auFmQiojIyVGZpZ3byBnI7xiIt92YuUGdhJ3auFmYisFLd1nIzIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiIlR3b1FHdjVGblNlI6IiclRWa29mcwJyesISbvNmLrJHdzlmYisFLd1nIyQWaiV3ciojIsJXVldWYQJCLiEDZpJWdzJiOiQUSUJCLiwWY05WZEBCdpJXawNlI6IiclRWa29mcwJyesISbvNmLsFGduVGZ0lmcpB3cisFLd1nIxMnI6ICbyVVZnFGUiwiIyMnI6ICRJRlIsISZlJHVn5Wak5WZMJiOiIXZklmdvJHcisHLi02bj5SZlJHdn5Wak5WZsJyWs0Vfi42ZpFGctF2Yf1Gd1JiOiQUSUJCLiU2Yy9mRyV2dz5WQiojIyVGZpZ3byBnI7xiIt92YuU2Yy9mZyV2dz5WYisFLd1nIudWahBXbhN2XtRXdiojIElEViwiI0NWZu52bDJXZ3NnbBJiOiIXZklmdvJHcisHLi02bj5CdjVmbu92YyV2dz5WYisFLd1nIyIWdzJiOiwmcVV2ZhBlIsICNiV3ciojIElEViwiIlZWaMBicl5mbhJkI6IiclRWa29mcwJyesISbvNmLrJHdoZmYsJyWs0VfiIjY1NnI6ICbyVVZnFGUiwiIxIWdzJiOiQUSUJCLiQXanlmcCJiOiIXZklmdvJHcisHLi02bj5yayRXe0Vma5ImIbxSX9JCZp9Vb0VnI6ICRJRlIsIiZllGblJFI4FGVgM3clJHdy9mRiojIyVGZpZ3byBnI7xiIt92YuM3clJHdy9mZ4FGdisFLd1nItJXZ09Vb0VnI6ICRJRlIsIybpxWZNJiOiIXZklmdvJHcisHLi02bj5yc05WZtlXYw9WasVWbisFLd1nIyVmbuFmYf1Gd1JiOiQUSUJCLi02bj5SehRmbv1kI6IiclRWa29mcwJyesISbvNmL5FGZu9WbisFLd1nIklGc4VWb0V3XzNWbyNmI6ICRJRlIsIibvlGdh5WZjl2bWJiOiIXZklmdvJHcisHLi02bj5ibvlGdh5WZjl2b2JyWs0VfiQWawhXZtRXdfN3YtJ3YiojIElEViwiI55mblBXel52bNJiOiIXZklmdvJHcisHLi02bj5Seu5WZwlXZu9WbisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiIkl2ajlGbjJiOiQUSUJCLiwWYyVmbldGIk5WYgwWYnVGTiojIyVGZpZ3byBnI7xiIt92YuE2YpJXZtF2ZsJyWs0VfiQmcvdVeltkI6ICRJRlIsISZkFmc0VkI6IiclRWa29mcwJyesISbvNmLlRWYyRXZisFLd1nItJXZ09Vb0VnI6ICRJRlIsISZ2lmckVGcpBlI6IiclRWa29mcwJyesISbvNmLlZXayRWZwlGcisFLd1nItJXZ09Vb0VnI6ICRJRlIsISZyF2YoRHbhVGSkVGdp5WViojIyVGZpZ3byBnI7xiIt92YuUmbvhWdisFLd1nIxs2YhJHdfZmZhJiOiQUSUJCLiQXYoRFIoNmb1FGTiojIyVGZpZ3byBnI7xiIv02bj5ycvR3clJ2chx3LnJ3buU2YpR3buJXZtV3cu92YisFLd1nIlNmcvZ2clxWYTJiOiIXZklmdvJHcisHLi02bj5SZjJ3bmNXZsF2cisFLd1nIkl2ajlGbjJiOiQUSUJCLikXZuJXdvpGIyVmc1NnbpBCdlBnI6IiclRWa29mcwJyesISbvNmLzVmYy9mZuI3bzlmdkFmLlNmbhJXdz5Wa0VGc812bj5yclJmcvZmLy92cpZHZh5CdlBnIbxSX9JCep5WamJiOiIXZklmdvJHcisHLi02bj5Cep5WamJyWs0VfiETY0FGZiojIElEViwiIn5Wa0N3bIBiMBBiI6IiclRWa29mcwJyesISbvNmLn5Wa0N3boJTYisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiIkx2bHBSe0lmcvlmcQJiOiIXZklmdvJHcisHLi02bj5CbzpWOkt2YlJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIklGdiojIElEViwiI0NXZXFjI6IiclRWa29mcwJyesISbvNmL0NXZ3FjIbxSX9JSMzJiOiwmcVV2ZhBlIsIiMzJiOiQUSUJCLiM3ZulGbpZEI0ZWe3NlI6IiclRWa29mcwJyesISbvNmLzdmbmRnZzJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdiojIElEViwiI5RmchFkI6IiclRWa29mcwJyesISbvNmL5RmchFmIbxSX9JSSGxURiojIyVGZpZ3byBnI7xiIt92YukmZsVmIbxSX9JSZnFGciojIsJXVldWYQJCLiQWafJWdzJiOiQUSUJCLiU2ZhJXZ292QzJ3b0l2cpZlI6IiclRWa29mcwJyesISbvNmLldWYyVmdvN2cy9GdpNXa2JyWs0VfiQWafVmdpRXYlJ3YiojIsJXVldWYQJCLiQWafJWdz9lcl5GdyFGciojIElEViwiIt92YuUmchNGa0xWYlhkI6IiclRWa29mcwJyesISbvNmLlJXYjhGdsFWZoJyWs0VfiEDZpJWdzJiOiwmcVV2ZhBlIsICRJRlI6ICRJRlIsISel5mc19mSgU2YuFmc1NnbJBCblZXYyRFItASZnFmclZ3bDBSZyFGct92QiojIyVGZpZ3byBnI7xiIt92YuU2ZhJXZ292YlJXYw12bj5CblZXYyRnIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsIycyVmby92Qg4WZ2V2UiojIyVGZpZ3byBnI7xiIt92YuMncl5mcvNmblZXZzJyWs0VfiUzciojIsJXVldWYQJCLiIzciojIElEViwiIkxWZph2UgUWbvhEIuF2YpJXZtFkI6IiclRWa29mcwJyesISbvNmL4Fmc0NHahJyWs0VfiQWafJWdzJiOiQUSUJCLiQnbpF2UgQXakVmcDJiOiIXZklmdvJHcisHLi02bj5CdulWYzRXakVmcjJyWs0VfiQnblN2cBJiOiIXZklmdvJHcisHLi02bj5yZulGZuVnZ05WZjNXY812bj5ycuF2bsRnblRWd0NHduV2YzFmIbxSX9JSMiV3ciojIsJXVldWYQJCLiQWaft2Ypx2YiojIElEViwiIsFWaj5WYulmR0JXYtNlI6IiclRWa29mcwJyesISbvNmLsFWaj5WYulmZ0JXYtNnIbxSX9JCZpx2YnJiOiQUSUJCLiMVQFJiOiIXZklmdvJHcisHLi02bj5Cdy9Gcz5WYyRXepRmIbxSX9JSMzJiOiwmcVV2ZhBlIsIiMzJiOiQUSUJCLiQnYlREIlxGctl2UiojIyVGZpZ3byBnI7xiI0VmbuQnYlRWZsBXbpNnIbxSX9JibvlGbsVnQg4WYjlmcl1WQiojIyVGZpZ3byBnI7xiIt92Yu42bpxGb1JmbhNWayVWbhxXbvNmLlRXYpxWamZWYkx2bnJWYisFLd1nIyMnI6ICRJRlIsIyc05WZnFEI0NWZylGRiojIyVGZpZ3byBnI7xiIt92YuIDcztmc0JyWs0Vfi0mclR3XtRXdiojIElEViwiI5F2d052bNJiOiIXZklmdvJHcisHLi02bj5SehdHdu9WbisFLd1nIkl2XiV3ciojIElEViwiIhBnclh2UiojIyVGZpZ3byBnI7xiIv02bj5Cdy9Gcz5WYyR3b0VXYhBnclh2cisFLd1nIiV3cfZmZhJiOiQUSUJCLiU2ZhdGdy9WTgQXZrN2bSJiOiIXZklmdvJHcisHLi8SbvNmLldWYnRncv1Gdlt2YvJnIbxSX9JSMhRXYkJiOiQUSUJCLiUWTuUGZphkI6IiclRWa29mcwJyesIyLl1mLlRWaoJyWs0VfiEjY1NnI6ICRJRlIsIiRW1kI6IiclRWa29mcwJyesIyLs5mLptWa3BHchJyWs0VfiEjY1NnI6ICbyVVZnFGUiwiIyIWdzJiOiQUSUJCLiU2ZhdGdy9WTgEGah12TgY2bgwWY1RXdNJiOiIXZklmdvJHcisHLi8SbvNmLrJHd5YGay0mIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUlMiojIyVGZpZ3byBnI7xiIt92cuMXZzJXdvNGdy9Gaz1SZulGbu9GfrVnLjFmLlNHbuMXZzJXdvNWZ0F2YpZWa0JXZjVmbpxmbvxXbvNmLyVGdyFWbzRXZnxXYj5ibvRXZsJXYj5CctF2Y092bixXYj5yb052by9Gd15ibyFWZs5CctF2Y092bix3a15yYh5Sbhh2ZulWbylmYuAXbhNGdv9mY8hXbuMWZ05CctF2Y092bixXdkVmLq4CctF2Y092biJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdiojIElEViwiI51WZkF2YBByajFGdzxGb1ZkI6IiclRWa29mcwJyesIyLt92YukXblRWYjF2ajFGdzxGb1ZmIbxSX9JCduVGdu92Yf1Gd1JiOiwmcVV2ZhBlIsISbyVGdf1Gd1xCZpt2Ypx2YfBXbmJiOiQUSUJCLi4mchVGbpxGctl2UiojIyVGZpZ3byBnI7xiIvUHZl5SZ1Rmc1BnLl5Was52buIXZ292YzlGZuw2ctAXbhNGdv9mYisFLd1nIzJ2bmJiOiQUSUJCLiMnclZmZPBCelxmRiojIyVGZpZ3byBnI7xiIt92Yu8mcwN3aulGb4VGbmJyWs0VfiIjchZHciojIsJXVldWYQJCLiEjchZHciojIElEViwiIlpXZlJnQiojIyVGZpZ3byBnI7xiIt92YuUmelVmciRXZl1mIbxSX9JSZnFGciojIsJXVldWYQJCLiQWaf52bpR3YhNnbhJHdiojIElEViwiIppHZuVGTiojIyVGZpZ3byBnI7xiIt92Yukmek5WZs5CcwFmIbxSX9JiM3tmI6ICbyVVZnFGUiwiIxc3aiojIElEViwiI5xmdpRlI6IiclRWa29mcwJyesISbvNmL5xmdpRnIbxSX9JSMiV3ciojIElEViwiI39GbmJXZ2VkI6IiclRWa29mcwJyesISbvNmLrJHdyMXYtxXbvNmLytGdwIjZqxXbvNmLtVGboFmYlJnZisFLd1nIWFEbhR3bUJiOiIXZklmdvJHcisHLi02bj5ibwZHbhR3b05CbyVHft92YuYXYsFGdvRnLsJXdisFLd1nI05WZ052bj9Vb0VnI6ICRJRlIsICekJXYDJiOiIXZklmdvJHcisHLi02bj5CekJXYjJyWs0VfiQWaiV3ciojIElEViwiIhZXa0hXZOJiOiIXZklmdvJHcisHLi02bj5SY2lGd4VmbisFLd1nItJXZ09Vb0VnI6ICRJRlIsISesJWblN3cBBCbhJXZuV2RiojIyVGZpZ3byBnI7xiI5xmLi1WZzNXYsFmcl5WZnJyWs0VfiQWa0JiOiQUSUJCLiUWdsJEI0JWZEJiOiIXZklmdvJHcisHLi02bj5SZ1xmY0JWZk5ybnJyWs0VfiIzciojIElEViwiInJ3bukHdpVnbuFkI6IiclRWa29mcwJyesISbvNmLrNWYyRXYpRWZwNHZhVGbuQXYoRHaj5WdhxmIbxSX9JSZ6lmcl5GdyFGUiojIyVGZpZ3byBnI7xiIvs2Ypx2Yv4GauYmcwJyWs0VfiQWarNWasN2Xw1mZiojIElEViwiIuJXYlxWasBXbpNlI6IiclRWa29mcwJyesISbvNmLuJXYlxWasBXbpNHf1RWZug2YlRHbhNmLl1Gdj5CctcGcisFLd1nIldWYwJiOiwmcVV2ZhBlIsICZpRnI6ICRJRlIsIiclh2ZhxGbhdkI6IiclRWa29mcwJyesISbvNmLz5WatQWZkRWZi1WZ812bj5yYlRnbh1Wez5SZtlGdrNWasNmIbxSX9JiMzJiOiQUSUJCLigXYUBSe0lmb11WbvNkI6IiclRWa29mcwJyesISZt5CehR3Y812bj5yayRndz5WaisFLd1nIkl2ajlGbjJiOiQUSUJCLiM3cl5WazVnYgkHbw1WazJiOiIXZklmdvJHcisHLi02bj5yczVmbpNXdilHbw1Waz5CdldGfzNXZul2c1JWesBXbpNnLlR3b1FnLy92cpZHZhNXZiJ3bmJyWs0VfiQWaz5WYyRnLnFGdiojIElEViwiIlNmbh5WaGBiblZXRiojIyVGZpZ3byBnI7xiIvIXZuRnchB3Lt92YuEmbvlmZisFLd1nIj1Wbf12YiojIElEViwiI5RnbhJnchdFIvRXdBBSZj5WYyVHZuVkI6IiclRWa29mcwJyesISbvNmL5RnbhJnchdXZj5WYyVHZuVmIbxSX9JCZp1WdiojIElEViwiI0NWZq9mcQBSbhVmcEBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5CdjVGdvJHcvRXdh1WYlJHZuF2YpJXZtFmIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLicmbpxGcwlmUiojIyVGZpZ3byBnI7xiIt92YucmbpxGcwlmcuIyWs0VfiIDZpJWdzJiOiwmcVV2ZhBlIsISMklmY1NnI6ICRJRlIsIyQMxEIu9Wa0FWby9mRiojIyVGZpZ3byBnI7xiIjxGbuMnbvlGdh1mcvZmIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsICZyF2bidmbpJHcTJiOiIXZklmdvJHcisHLi02bj5CZyF2bidmbpJHczJyWs0VfiQnblRnbvN2XtRXdiojIElEViwiI09GclREI05WZtlXYQJiOiIXZklmdvJHcisHLi02bj5CdvBXZkRnbl1WehBnL0V2ZisFLd1nI05WZ052bj9Vb0VnI6ICRJRlIsICehR3UiojIyVGZpZ3byBnI7xiIt92YuMHduVWb5FGc4FGdz5CdldmIbxSX9JSMiV3ciojIsJXVldWYQJCLiIjY1NnI6ICRJRlIsICIsFGdpBXYDBCdzVncUlmI6IiclRWa29mcwJyesISbvNmLsFGdpBXYjR3c1JHdpJyWs0VfiQUSiV3UyVGazlGbiVHUiojIElEViwiI0VWZyR3culWdRJiOiIXZklmdvJHcisHLiI3Lpd2Yv02bj5SdwFGbj5yYisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiI5ZHbvRkI6IiclRWa29mcwJyesISbvNmLrJHd0AjdhBnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiQXakVmcDJjepJkI6IiclRWa29mcwJyesISbvNmL0lGZlJ3YyoXaiJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLiQWafZWZy91ZnFmI6ICRJRlIsISZ2FEIldWZsx2bDJiOiIXZklmdvJHcisHLi02bj5ycuF2bsRnblRWd0NXZ2FWZnVGbs92YisFLd1nItVXakVWbf1Gd1JiOiwmcVV2ZhBlIsISbyVGdf1Gd1JiOiQUSUJCLiQWZ0lmbVBycuFmclRXZWJiOiIXZklmdvJHcisHLi02bj5CZlRXauV3cuFmclRXZ2JyWs0VfiQUSldWYQJiOiwmcVV2ZhBlIsICRJNnbhJHdiojIElEViwiIsFWaj5WYulmRgU2baJiOiIXZklmdvJHcisHLi02bj5ibpZWZvpnIbxSX9JCZp9lbvl2czV2cfNXZiJ3bmJiOiQUSUJCLiQmchpXa3VGdvVXUiojIyVGZpZ3byBnI7xiIt92YuU2YuFmc1NnbphGdsFWZot2YpBHft92YuQmchpXa3VGdvVXc89SbvNmLzVmYy9mZuI3bzlmdkFmLkJXY6l2dlR3b1FnIbxSX9JiY1N3XmZWYiojIElEViwiIzVXauV2R5NWas9GciojIyVGZpZ3byBnI7xiInJ3buQWdvx2Yy82ZuMXdp5WZnl3Ypx2bwJyWs0Vfi42ZpFGctF2Yf1Gd1JiOiwmcVV2ZhBlIsISb1lGZl12XtRXdiojIElEViwiIvNUZ0lmcCJiOiIXZklmdvJHcisHLi8ybj5SZ0lmcix3bj5SZ0lmci5SZj5WYyV3culmIbxSX9JiMzJiOiQUSUJCLiUWbvhEIXJVQiojIyVGZpZ3byBnI7xiIt92YuMnclZmZvVWbvh2dyFmIbxSX9JCZp9lY1NnI6ICRJRlIsISZj5WYulmRgkXTiojIyVGZpZ3byBnI7xiIt92YuU2YuFmbpZWetJyWs0VfiIiOiQUSUJCLismcvdHdl5EIoRHbhVGSgkXTiojIyVGZpZ3byBnI7xiIt92Yu4Ga51mIbxSX9JiI6ICRJRlIsISZj5WYulmQiojIyVGZpZ3byBnI7xiIuU2YuFmbpJmLisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiItJXZ09Vb0VnI6ICRJRlIsISbvNmLyVGd0VmQiojIyVGZpZ3byBnI7xiIt92YuIXZ0RXZiJyWs0VfiQWa0JiOiQUSUJCLiUGdhJ3auFmQiojIyVGZpZ3byBnI7xiIt92YugHbjNmciJyWs0VfiMzciojIElEViwiIvRHdvJiOiIXZklmdvJHcisHLi02bj5SZj5WYyV3cul2b0R3bisFLd1nIkl2YhJiOiQUSUJCLiQ3Yl5mbvNEIsVGdulmRiojIyVGZpZ3byBnI7xiIt92YuQ3Yl5mbvNGblRnbpZmIbxSX9JiMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsICbhRXawF2QgIXYlxkI6IiclRWa29mcwJyesISbvNmLqNnaoJ3N4QmajxmL3d3disFLd1nIldWYwJiOiwmcVV2ZhBlIsICZpRnI6ICRJRlIsISbvNmLzVGdvVXUlZWaMJiOiIXZklmdvJHcisHLi02bj5yclR3b1FXZmlGbuUGdhJnIbxSX9JiMhRXYkJiOiwmcVV2ZhBlIsISMhRXYkJiOiQUSUJCLiU2YuFmc1NnbpxWZ2FmcUJiOiIXZklmdvJHcisHLi02bj5SZj5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Holding both chartered financial analyst (CFA) and certified financial planner (CFP庐) designations, she brings over a decade of experience to her role. <br> <br> Lei specializes in addressing the needs of small business owners and young families, especially those with immigrant backgrounds, offering tailored advice to help them navigate their financial lives. Before pursuing her financial planning career, Lei worked in investment analysis in areas including portfolio construction, asset allocation, quantitative research and investment manager research. Lei has contributed to major online publications and has appeared on local TV stations for her financial planning expertise. <br> <br> Outside of her professional life, Lei is actively involved in community service, holding board memberships at nonprofit organizations focused on social equity, Asian American and Pacific Islander (AAPI) advocacy and school safety. She values family time, especially when it involves cooking with her husband and children, blending their Asian and Hispanic heritage into their culinary creations. </p> <p class="profile-desc short-desc text-333333 text-16px font-euclidcircularb block"> Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP庐) designations, she brings over a decade of experience to her role. <br> <br> Lei specializes in addressing the needs of small business owners and young families, especially those with immigrant backgrounds</br></br> <span class="read-more">....<strong class="font-bold cursor-pointer">Read More</strong></span> </p> </section> </div> </div> <div class="block mt-16px lg:hidden w-full"> <section> <div class="profile-designation lg:pr-40px pr-20px mb-20px"> <p class="text-16px lg:text-18px leading-20px lg:leading-22px lg:font-euclidcircularb font-euclidcircularb font-bold mb-4px text-333333"> Investing and Tax Planning Expert </p> <p class="font-euclidcircularb text-333333 text-12px leading-15px lg:leading-18px font-medium">Forbes Advisor Advisory Board Member</p> </div> <p class="profile-desc long-desc text-333333 text-16px font-euclidcircularb hidden"> Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP庐) designations, she brings over a decade of experience to her role. <br> <br> Lei specializes in addressing the needs of small business owners and young families, especially those with immigrant backgrounds, offering tailored advice to help them navigate their financial lives. Before pursuing her financial planning career, Lei worked in investment analysis in areas including portfolio construction, asset allocation, quantitative research and investment manager research. Lei has contributed to major online publications and has appeared on local TV stations for her financial planning expertise. <br> <br> Outside of her professional life, Lei is actively involved in community service, holding board memberships at nonprofit organizations focused on social equity, Asian American and Pacific Islander (AAPI) advocacy and school safety. She values family time, especially when it involves cooking with her husband and children, blending their Asian and Hispanic heritage into their culinary creations. </p> <p class="profile-desc short-desc text-333333 text-16px font-euclidcircularb block"> Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP庐) designations, she brings over a decade of experience to her role. <br> <br> Lei specializes in addressing the needs of small business owners and young families, especially those with immigrant backgrounds</br></br> <span class="read-more">....<strong class="font-bold cursor-pointer">Read More</strong></span> </p> </section> </div> </div> </div> </section> <div class="tabs-container w-full mx-auto"> <section class="tabs-wrapper board-tabs-wrapper mx-auto sm:mx-0" id="author-page"> <ul class="tabs-block flex items-center flex-nowrap overflow-x-auto"> <li id="bio" class="tablinks font-euclidcircularb cursor-pointer font-semibold active">Bio</li> <li id="editorial-stream" class="tablinks font-euclidcircularb cursor-pointer font-semibold ">Latest Articles</li> <li id="archive" class="tablinks font-euclidcircularb cursor-pointer font-semibold">Archive</li> </ul> </section> <div id="bio" class="c-tab--content tabcontent"> <h2 class="tabcontent__title">Education</h2> <ul class="mb-32px"> <li class="bullets font-georgia">Washington University in Saint Louis (M.S., Finance)</li> <li class="bullets font-georgia">East China Normal University (B.S. Software Engineering, B.S. Finance)</li> </ul> <h2 class="tabcontent__title">Experience</h2> <ul> <li class="bullets font-georgia">Decades of experience in the financial industry</li> <li class="bullets font-georgia">Contributor to online publications, such as Business Insider, and local TV stations</li> </ul> </div> <div id="editorial-stream" class="c-tab--content"> <ul class="edittools-stream"> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">2 years ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/" aria-label="How To Choose A Financial Advisor"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How To Choose A Financial Advisor</span> </span> </h2> </a> <div class="stream-article-desc"> A financial advisor can optimize your investment portfolio, manage your cash flow and prioritize long-term savings goals. The key is to pick one who puts your financial interests first and can remain calm during rocky times. 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"string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); 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";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? 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getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + 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addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } 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Lei Deng, CFA, CFP庐 – Forbes Advisor