We provide holistic financial planning for families, individuals and business owners. Our services include investment, insurance, estate, business succession planning and business consulting. Our team of advisers including CPA, attorneys, real estate professionals and financial advisers to provide comprehensive, up to date financial advice for our diverse clientele. We combine team approach with personal services for our clients to help people control, secure, accumulate, enjoy and distribute their wealth in a way that achieves their goals. More than just retirement and estate planning, we are committed to helping our clients grow their asset and create legacies for themselves, their loved ones and their charities. Our core strength lies in the blend of unique expertise, unsurpassed market access and innovative solutions, coupled with the personalized, high-touch service from our associates. This approach enables us to focus on meeting client needs. As a firm, we pride ourselves on our objectives-driven, service-oriented approach to solving our clients’ increasingly complex needs. We build long-term client relationships that are personal, caring, and highly responsive.

Our Team

Jennifer Feng, LUTCF, CLTC


Jennifer Feng, LUTCF, CLTC is the Founder and Managing Partner at Saratoga Hills Group with a background in financial planning, business consulting and personal development. With more than ten year experience in Financial Services field representing the highest rated insurance and investment firms and their products. Jennifer prides herself in providing personal advice and solutions to manage and insure her clients’ financial security and business success. Her team comprehensive services include consultation on retirement and estate planning, business succession, tax return and consultation, business setup, real estate investment consultation and management, global asset management and business consulting including executive performance coaching. Jennifer Feng has been ranking as a top producer globally and nationally since 2005 in financial services field. She is a premier member of MDRT since 2005.

Kelly Yang, CPA, EA


Kelly Yang has been recognized by her clients as a warm, honest and intelligent tax professional. She graduated with Master of Business Taxation Degree from University of Minnesota-Carlson School of Business, and is experienced in complicated tax returns, tax compliance and consulting for high net worth individuals, corporate executives, transnational families, and domestic and foreign trusts. She provides full range tax services with a proactive approach, taking into account both short-term and long-term goals. She was a former Territorial Manager of the IRS VITA program, her excellent service has been granted the “Outstanding Achievement Award” by the Internal Revenue Service. She was a partner of another accounting firm in the Northern California before joining our firm.

Ronald McCombs, CLU, ChFC, MSFS

Senior Consultant

Ron began his Financial Services career in 1974 as a manager trainee for a major insurance company for which he worked for 38 years and retired in 2013 as their Sr. Sales Development Manager. He holds the following designations: Chartered Life Underwriter, 1983; Chartered Financial Consultant, 1985; and Masters of Science in Financial Services, 2009.