In the traditional financial system, advisors have long focused primarily on middle class and higher net worth clients, often neglecting everyday users due to limited funds, leaving their early financial planning needs unsupported. Young people, in the early stages of their careers, urgently need investment planning and credit building guidance but often lack effective assistance. During the family building stage, they face complex decisions around real estate, children’s education funds, and other challenges, yet comprehensive guidance is scarce. Meanwhile, during wealth accumulation and retirement, essential needs like asset allocation, tax optimization, and pension planning are frequently overlooked, either due to high barriers or the lack of suitable products that match user needs. This model not only restricts the reach of services but also fails to meet users’ real life needs across different life stages, leaving many families without adequate financial planning from the start.

For Next aims to completely transform this reality by leveraging the MK Smart Strategy System to provide full lifecycle financial planning services. Our system tailors advice to the needs of each family member at every stage of life, offering financial planning and financial literacy education for young people in the early education phase, guidance on real estate investments, children’s education, and marital financial management during the family building stage, tax optimization and asset allocation advice during the wealth accumulation phase, and pension planning and legacy transfer services during retirement. Our intelligent system dynamically adjusts strategies based on each user’s age, goals, and life stage, helping users build wealth from scratch and gradually achieve financial freedom and a higher quality of life.