---
name: family-trust-designer-359d503e9a6e
description: "family-trust-designer-359d503e9a6e"
---

# family-trust-designer

## 描述
家族信托智能设计工具，提供财富传承方案、资产隔离架构、税务优化策略、信托治理机制设计。

## 功能
- 家族信托架构设计（可撤销/不可撤销）
- 财富传承方案（代际传承、条件分配）
- 资产隔离策略
- 税务筹划建议
- 信托治理机制（保护人、受益人委员会）
- 分配条款设计
- 应急方案规划

## 使用场景
- 高净值客户家族传承规划
- 家族办公室服务
- 跨境财富配置
- 婚前/婚后财产隔离
- 企业股权传承

## 输入输出

### 输入
```json
{
  "client_profile": {
    "age": 55,
    "marital_status": "已婚",
    "children": [{"age": 25}, {"age": 20}],
    "total_assets": 500000000,
    "asset_types": ["股权", "房产", "现金", "保单"],
    "residency": "中国"
  },
  "objectives": ["财富传承", "资产隔离", "税务优化"],
  "constraints": {
    "minimum_income": 5000000,
    "distribution_conditions": ["结婚", "生育", "创业"]
  }
}
```

### 输出
```json
{
  "status": "success",
  "data": {
    "trust_structure": {
      "type": "不可撤销家族信托",
      "trustee": "信托公司",
      "protector": "委托人指定",
      "duration": "永续"
    },
    "asset_allocation": {
      "initial_funding": 200000000,
      "asset_types": ["现金", "保单", "股权"]
    },
    "distribution_scheme": {
      "generation_1": "生活保障",
      "generation_2": "教育+创业支持",
      "generation_3": "条件分配"
    },
    "governance": {
      "protector_powers": ["更换受托人", "调整分配"],
      "investment_committee": true
    }
  }
}
```

## 运行方式

```bash
python scripts/main.py --profile client.json --objectives "wealth_transfer,asset_protection"
```

## 依赖
- pydantic>=1.10.0

## 许可证
MIT License


---
Source attribution: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/trust-suite/family-trust-designer/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 FinClaw Team

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/trust-suite/family-trust-designer/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Sales
Roles: Accountant, Business Development, CFO / FP&A, Financial Analyst, Tax Specialist
Specialties: Specialty not specified
Tools: Pydantic
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: ee05265f0f795471a153807ebdb603dc5f775da43f4bcca613a76104ab4bfd4d