Marguerita M. Cheng, CFP®
Marguerita M. Cheng is the Chief Executive Officer at Blue Ocean Global Wealth. She is a CFP® professional, a Chartered Retirement Planning Counselor℠, Retirement Income Certified Professional and a Certified Divorce Financial Analyst. She helps educate the public, policymakers and media about the benefits of competent, ethical financial planning.
Latest articles by Marguerita M. Cheng, CFP®
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8 Personal Finance Apps to Try for Fun (and More)
Budgeting Managing money takes know-how, discipline and motivation. Traditional apps can help, but some new apps also use gamification to bring behavioral finance to life.
By Marguerita M. Cheng, CFP® • Last updated
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Some of the Best Apps for Sending Money Internationally or Domestically
Technology From Zelle to Venmo and TransferWise, after comparing the options, here are some of the top choices, based on fees, ease of use and transaction time.
By Marguerita M. Cheng, CFP® • Last updated
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When to Claim Social Security: 3 Timing Scenarios
social security Early, late or right on time? Those are the three Social Security claiming options. Here are three different people who chose three different strategies, and why. Perhaps their decisions could help guide yours.
By Marguerita M. Cheng, CFP® • Published
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Why Trading in Bitcoin or Other Cryptocurrencies is Playing with Fire
Financial Planning You're probably aware that investing in bitcoin is risky in general, but let's take a look at the specific reasons why you could get burned.
By Marguerita M. Cheng, CFP® • Published
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Beyond Bitcoin: Promising Cryptocurrencies
Markets In the crowded new world of cryptocurrencies, there are over a thousand altcoin options to consider (if you are the risk-taking type, that is). Here are seven worth watching.
By Marguerita M. Cheng, CFP® • Published
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Crypto Trading 101: Identifying Safe (Or at Least Safer) Cryptocurrency Exchanges
investing Before you take the plunge, take the time to do a series of background checks on the exchange you're thinking of using. Some have much stronger protections and better reputations than others.
By Marguerita M. Cheng, CFP® • Published
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Top 6 Apps to Spring Clean Your Finances
Budgeting To help get a better grip on where your money is going, recommit to a budget or jump-start your savings plan, these handy apps are just a swipe away.
By Marguerita M. Cheng, CFP® • Last updated
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A Money Lesson for Newlyweds (and Other Lovers)
retirement Roses on Valentine's Day are a romantic classic, but what's even better for a strong, happy marriage? Money harmony. And it all starts with an honest talk and shared strategy.
By Marguerita M. Cheng, CFP® • Last updated
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Financial Lessons from the Year of the Dog
retirement As we ring in the Chinese New Year, take a moment to reflect on what the Year of the Dog might mean for your finances.
By Marguerita M. Cheng, CFP® • Published