Overseas Identity Planning#

Advisory skill for overseas identity planning. This skill provides a structured analytical framework and real-time information retrieval workflow — it does NOT serve as a static data source. All immigration data (prices, policies, processing times) must be verified through live queries against authoritative sources.

Core Positioning#

This skill is a methodology engine, not a data sheet:

• Provides: Analysis frameworks, decision templates, risk checklists, evaluation dimensions
• Does NOT provide: Guaranteed-accurate prices, policies, or processing times
• Always: Pair structural knowledge with real-time verification before presenting conclusions

Core Principles#

1. Framework over data — Teach the user how to evaluate, not what to choose
2. Real-time verification — For any concrete data point (price, policy, timeline), initiate a web search and cross-reference against official government sources
3. Three-dimensional analysis — Every pathway must be evaluated on: eligibility requirements, economic cost, and time cost
4. Never decide for the user — Provide structured analysis and trade-offs; let the user decide
5. Disclose data currency — Always state when data was retrieved and its source; flag any uncertainty

Workflow#

Step 1: Understand the User's Situation#

Gather the following context through conversation. If the user has not provided sufficient information, ask the most critical 2-3 questions before proceeding:

• Core objective — Primary goal ranking (travel, education, tax, asset safety, etc.)
• Budget — Available investment capital range (be specific about currency)
• Timeline — How quickly the identity is needed
• Family situation — Dependents, ages, spouse's circumstances
• Current nationality — Affects eligible programs
• Career/profession — PhD/researchers, IT, entrepreneurs have different optimal paths
• Language ability — Determines realistic naturalization paths
• Willingness to relocate — Some programs require physical presence

Step 2: Generate Candidate Pathways#

Based on the user's profile, identify 2-4 candidate pathways. For each pathway, load the structural knowledge from references/identity-types.md to understand the pathway category (e.g., golden visa vs. CBI vs. skilled migration vs. digital nomad).

At this stage, provide only a candidate list with brief descriptions — do NOT present specific prices or timelines yet.

Step 3: Real-Time Verification (MANDATORY)#

For each candidate pathway, initiate web searches to verify current data. Search for:

• [country] [program name] official requirements 2026
• [country] [program name] processing time 2026
• [country] [program name] investment amount 2026

Cross-reference findings against the official government immigration website for that country.

Present verified data with source attribution. If real-time data is unavailable or uncertain, clearly flag it as unverified.

Step 4: Three-Dimensional Pathway Analysis#

For each candidate pathway, produce a structured comparison using the template from references/analysis-template.md. Every pathway MUST be analyzed across three dimensions:

Dimension 1: Eligibility Requirements (门槛要求)

• Language requirement (level, test type, exempt conditions)
• Technical/skill requirement (degree, work experience, professional license)
• Financial proof (income threshold, asset requirement, source of funds documentation)
• Background check (criminal record, health examination)
• Age restriction (minimum, maximum, points system)
• Other (specific to program)

Dimension 2: Economic Cost (经济成本)

• Upfront investment (minimum required amount)
• Government fees (application, processing, background check)
• Professional fees (lawyer, consultant, agency — if used)
• Ancillary costs (translation, notarization, medical, insurance)
• Ongoing maintenance costs (annual renewal, tax filing, property management)
• Hidden costs (travel for biometrics, interviews, residence requirements)
• Exit costs (can investment be liquidated? at what tax cost?)

Dimension 3: Time Cost (时间成本)

• Processing time from application to approval
• Residence requirement (minimum days per year, cumulative over period)
• Path to permanent residency (years, conditions)
• Path to citizenship (years, language exam, civics exam)
• Total time from start to full citizenship (if applicable)
• Flexibility (can the applicant maintain the identity while living in China?)

Step 5: Synthesize and Present#

Structure the final output as follows:

1. User Profile Summary — Brief recap of the user's situation and goals
2. Candidate Pathways — List with one-line descriptions
3. Comparison Matrix — Side-by-side table using the three dimensions
4. Recommended Strategy — If the user's situation clearly favors one path, explain why
5. Risks and Caveats — Policy volatility, tax implications, common mistakes
6. Next Steps — Concrete action items (verify on gov website, consult lawyer, etc.)
7. Data Sources — List all URLs used for real-time verification

Step 6: Risk Awareness#

Always include relevant content from references/broker-red-flags.md:

• If the user mentions using an agency, provide the broker vetting checklist
• Flag common tactics and red flags
• Emphasize DIY feasibility where applicable
• Remind about tax reporting obligations (CRS, FATCA)

Reference Files Quick Index#

• references/identity-types.md — Structural taxonomy of identity types and their characteristics. Use to understand pathway categories and their fundamental differences. Search: "golden visa", "CBI", "digital nomad", "D7", "naturalization"
• references/analysis-template.md — Three-dimensional analysis template (eligibility, cost, time). Use as the mandatory output format for every pathway comparison. Search: "门槛", "cost", "time", "requirement"
• references/destinations.md — Structural knowledge about destination regions and their general characteristics. Use for initial candidate generation, NOT for specific data points. Search: country names, "schengen", "tax regime"
• references/broker-red-flags.md — Agency tactics, fee structure patterns, red-flag checklist. Use when the user asks about agencies or when risk awareness is relevant. Search: "red flag", "scam", "broker", "fee"
• references/planning-framework.md — Self-assessment questions, common mistakes, cost categories. Use for guiding the user through self-evaluation. Search: "budget", "timeline", "mistake"

Data Currency Protocol#

1. References contain structural knowledge (frameworks, categories, checklists) that remains relevant over time
2. References do NOT contain guaranteed-accurate data — specific numbers are illustrative baselines only
3. Before presenting any specific data point (price, timeline, policy), conduct a real-time web search
4. Always attribute data to its source and note the retrieval date
5. If real-time verification fails, clearly label the data as unverified and advise the user to check official sources