Marguerita M. Cheng, CFP® & RICP®
Marguerita M. Cheng is the Chief Executive Officer at Blue Ocean Global Wealth. She is a CFP® professional, a Chartered Retirement Planning Counselor℠ and a Retirement Income Certified Professional. She helps educate the public, policymakers and media about the benefits of competent, ethical financial planning.
Website: www.blueoceanglobalwealth.com | X (Twitter): @BlueOceanGW | LinkedIn: www.linkedin.com/in/margueritacheng
Latest articles by Marguerita M. Cheng, CFP® & RICP®
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How to Help Accelerate Support for Women's Equality
International Women's Day was earlier this month, and the theme this year is Accelerate Action. Here's how we can all pitch in to help drive gender parity.
By Marguerita M. Cheng, CFP® & RICP®
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Four Ways to Financially Embrace the Year of the Wood Snake
In the Year of the Wood Snake, consider looking to the snake's traits of being strategic, cunning and alert to help guide your finances this year.
By Marguerita M. Cheng, CFP® & RICP®
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Tax Software vs a Tax Professional: Which Should You Choose?
The simple answer is a question: How complex are your taxes? Here's how you can decide whether you can go the easy route or need the help of a pro.
By Marguerita M. Cheng, CFP® & RICP®
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How One Caregiver Is Navigating a Loved One's Dementia
She's spent many hours doing research and speaking with other caregivers to find her way to resources designed to help caregivers.
By Marguerita M. Cheng, CFP® & RICP®
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For a Good Time Managing Your Money, Call on These Apps
Budgeting Budgeting, saving and getting out of debt aren’t normally associated with fun, but these eight apps aim to make personal finance less of a grind for you.
By Marguerita M. Cheng, CFP® & RICP®
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Five Ways to Harness Your Financial Firepower in the Year of the Dragon
As the Year of the Dragon kicks off, consider looking to the dragon’s strong passionate and creative attributes to help guide your financial year.
By Marguerita M. Cheng, CFP® & RICP®
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Six Charitable Giving Strategies: Feel Good and Cut Your Taxes
These strategies can help you spread the love even more to charities you trust while also taking advantage of different kinds of tax benefits.
By Marguerita M. Cheng, CFP® & RICP®
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3 Strategies to Help Maximize Tax Efficiency in Your Retirement
Sponsored Utilize these 3 strategies to help minimize your tax burden when you retire.
By Marguerita M. Cheng, CFP® & RICP®
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3 Steps to Follow to Avoid Gaps in Your Retirement Plan
Sponsored Consider these 3 essential steps that retirees often overlook in their planning.
By Marguerita M. Cheng, CFP® & RICP®
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Help Maximize Your Retirement: 8 Strategies to Help Secure a Financially Sound Future
Ensuring a financially stable retirement can require careful planning and informed decision-making. Here are 8 essential strategies to help provide clarity and confidence in navigating complex financial topics.
By Marguerita M. Cheng, CFP® & RICP®
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From Retirement Savings to Retirement Income: 6 Strategies to Help Make Your Money Last
Sponsored Turning your retirement savings into a stable and sustainable income can be challenging. Follow these 6 strategies to help ensure your hard-earned money lasts.
By Marguerita M. Cheng, CFP® & RICP®
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Five Ways to Save on Back-to-School Shopping
spending Make a budget and stick to it when spending on your kids' back-to-school supplies.
By Marguerita M. Cheng, CFP® & RICP®
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Why You Need Medical, Financial Powers of Attorney for Your High School Grad
Medical and financial powers of attorney should be signed before anything goes wrong, so it’s a good idea to get them before your adult child goes to college.
By Marguerita M. Cheng, CFP® & RICP®
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How to Tackle Digital Estate Planning in Four Easy Steps
Your digital life includes dozens of usernames and passwords. Providing a digital estate plan can help your family deal with your accounts with minimal fuss.
By Marguerita M. Cheng, CFP® & RICP®
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Personal Finance Tips for the Year of the Rabbit
Being intelligent like a rabbit by making smart choices about spending and saving, paying attention to details and exercising patience in investing can help increase financial security.
By Marguerita M. Cheng, CFP® & RICP®
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Before Living Together, Couples Should Get on the Same Page Financially
Knowing where each partner stands in financial discussions will go a long way toward keeping the peace in the relationship, even when it comes to issues like long-term care insurance.
By Marguerita M. Cheng, CFP® & RICP®
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You’re Not Too Young for an Estate Plan: 7 Essentials for Your 20s and 30s
estate planning Accidents happen. Illnesses can strike anyone unexpectedly. So, take a moment to get a few basic estate planning tasks out of the way. You — and the people you love — will be glad you did.
By Marguerita M. Cheng, CFP® & RICP®
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Beyond Financial Literacy: What You Need to Win with Your Money
personal finance Having healthy finances takes more than a firm grasp of the financial basics. You need to work on your financial wellness and resilience too.
By Marguerita M. Cheng, CFP® & RICP®
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7 Financial Planning Strategies for Your Own ‘Great Resignation’
careers Anyone itching for a career change is in good company right now, but they need to think a few things through before taking the leap.
By Marguerita M. Cheng, CFP® & RICP®
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How to Handle an Increase in Your Long-Term Care Premiums
long term care insurance The cost of long-term care insurance keeps rising, and if your premiums are becoming unaffordable you should know that you have options. Here are five ways to help handle a premium increase.
By Marguerita M. Cheng, CFP® & RICP®
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Personal Finance Tips from the Year of the Ox
personal finance With Chinese New Year upon us, it’s time to reflect on money and career lessons we could learn from 2021’s animal: the ox. Oxen are honest, diligent and dependable.
By Marguerita M. Cheng, CFP® & RICP®
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Practical Financial Tips for the 'Sandwich Generation'
retirement Many people are stuck in the middle, caring for parents and children at the same time ... and they are getting squashed, emotionally and financially. Here are some proactive steps that can help.
By Marguerita M. Cheng, CFP® & RICP®
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Wealth Lessons from the Year of the Rat
retirement Chinese culture portrays rats as ambitious and cunning, and anyone trying to get ahead in the world and in their finances can take a lesson from their character traits, whether good or bad.
By Marguerita M. Cheng, CFP® & RICP®
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401(k), 403(b), TSP Contribution Limits Climb in 2020
retirement Your nest egg could get even fatter in 2020, thanks to new retirement savings account limits set by the IRS. Take a look at what your new savings goal could be, and what's going on with IRA limits as well.
By Marguerita M. Cheng, CFP® & RICP®
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