陶奕：高净值人群应尽早启动财富传承规划，避免被动

Group 1 - The 2026 Financial Annual Conference: Forecasts and Strategies, along with the 2025 Global Wealth Management Forum, will be held in Beijing from December 18-20, 2025 [3][7] - Current wealth inheritance faces three core challenges: increasing complexity of client demands, difficulty in product selection, and increasingly complicated regulations [3][7] - Client demands have evolved from simple wealth transfer to include diverse goals such as business development, asset security, tax compliance, and intergenerational transfer [3][7] Group 2 - The abundance of products from banks, trusts, and insurance companies makes it difficult for clients without professional insight to avoid blindly following trends or hesitating [3][7] - Significant differences and constant updates in domestic and international financial, tax, and legal policies create potential risks when using single products that appear compliant [3][7] - A collaborative professional approach is emphasized as essential for effective wealth transfer, focusing on building a risk-controlled, clear-structured, and sustainable system rather than merely accumulating products [4][7] Group 3 - The future of the industry will lean towards professional collaboration, aiding more enterprises and families in achieving stable wealth transfer [4][7] - High-net-worth individuals are advised to initiate planning early to avoid reactive measures [4][7]