Marguerita M. Cheng, CFP®
CEO, Blue Ocean Global Wealth
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.
Personal Finance Tips from the Year of the Ox
personal finance
Personal Finance Tips from the Year of the Ox
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 a…
February 12, 2021
Practical Financial Tips for the 'Sandwich Generation'
retirement
Practical Financial Tips for the 'Sandwich Generation'
Many people are stuck in the middle, caring for parents and children at the same time ... and they are getting squashed, emotionally and financially. …
May 29, 2020
Wealth Lessons from the Year of the Rat
retirement
Wealth Lessons from the Year of the Rat
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…
February 5, 2020
401(k), 403(b), TSP Contribution Limits Climb in 2020
retirement
401(k), 403(b), TSP Contribution Limits Climb in 2020
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…
December 5, 2019
The Best Impact Investing Apps
investing
The Best Impact Investing Apps
Investors need to know that they can make a difference, not just for themselves, but for the world, through impact investing. A number of apps and inv…
October 9, 2019
RMDs: When Do I Take Them and How Do I Calculate Them?
retirement
RMDs: When Do I Take Them and How Do I Calculate Them?
Required minimum distributions are a fact of life that most of us will have to face sooner or later. Demystify them by brushing up on the basics now.
April 29, 2019
Financial Tips, Thanks to the Year of the Pig
savings
Financial Tips, Thanks to the Year of the Pig
Are you a pig? If so, congratulations, you're honest and kind. However, you might also be lazy, impulsive and naive. All of us can improve ourselves a…
February 5, 2019
Make Time to Help a Caregiver Out (or Just Say Thanks)
retirement
Make Time to Help a Caregiver Out (or Just Say Thanks)
Chances are pretty good that you know a caregiver who could use a break. As National Family Caregivers Month winds down, here are some practical ways …
November 27, 2018
It's Giving Tuesday: How to Make Your Gift Really Count
retirement
It's Giving Tuesday: How to Make Your Gift Really Count
Impact investing is a way to do more good with your money. With the season of giving upon us, here is how that works and some specific examples of how…
November 26, 2018
Respect Your Survivors By Creating a Will
retirement
Respect Your Survivors By Creating a Will
It's hard to believe that with an estate worth $80 million, Aretha Franklin died without a will. Let that be a lesson to the rest of us.
October 23, 2018
How Consumers Can Clean Up After Equifax Disaster
business
How Consumers Can Clean Up After Equifax Disaster
Everyone needs to take precautions in today’s world of constant data breaches. Here are six steps to protect yourself.
October 8, 2018
It's World National Financial Planning Day! Why Should You Care?
retirement
It's World National Financial Planning Day! Why Should You Care?
Sandwiched between National Name Your Car Day and National Cinnamon Roll Day is World Financial Planning Day. Here's how you should celebrate.
October 5, 2018
My 15 Best Apps for Entrepreneurs and ‘Gigpreneurs’
business
My 15 Best Apps for Entrepreneurs and ‘Gigpreneurs’
When it comes to staying on top of work, schedules, files, calendars and travel, who couldn't use a little help? Here are 15 apps ready to boost your …
September 26, 2018
8 Great Personal Finance Apps to Try for Fun (and More)
savings
8 Great Personal Finance Apps to Try for Fun (and More)
Budgeting, saving and getting out of debt probably don’t sound like a lot of fun, but app designers are trying to change that with an array of mobile …
August 24, 2018
My 10 Best Financial Literacy Apps for Kids
savings
My 10 Best Financial Literacy Apps for Kids
Yes, learning about money management can be fun! Here are 10 apps that can help you teach your kids to save and spend wisely.
August 2, 2018
8 Personal Finance Apps to Try for Fun (and More)
savings
8 Personal Finance Apps to Try for Fun (and More)
Managing money takes know-how, discipline and motivation. Traditional apps can help, but some new apps also use gamification to bring behavioral finan…
July 30, 2018
Some of the Best Apps for Sending Money Internationally or Domestically
spending
Some of the Best Apps for Sending Money Internationally or Domestically
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.
July 3, 2018
When to Claim Social Security: 3 Timing Scenarios
social security
When to Claim Social Security: 3 Timing Scenarios
Early, late or right on time? Those are the three Social Security claiming options. Here are three different people who chose three different strategi…
June 27, 2018
Why Trading in Bitcoin or Other Cryptocurrencies is Playing with Fire
investing
Why Trading in Bitcoin or Other Cryptocurrencies is Playing with Fire
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.
June 8, 2018
Beyond Bitcoin: Promising Cryptocurrencies
investing
Beyond Bitcoin: Promising Cryptocurrencies
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 a…
April 27, 2018
Crypto Trading 101: Identifying Safe (Or at Least Safer) Cryptocurrency Exchanges
investing
Crypto Trading 101: Identifying Safe (Or at Least Safer) Cryptocurrency Exchanges
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 protec…
April 23, 2018
Top 6 Apps to Spring Clean Your Finances
savings
Top 6 Apps to Spring Clean Your Finances
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.
March 26, 2018
A Money Lesson for Newlyweds (and Other Lovers)
retirement
A Money Lesson for Newlyweds (and Other Lovers)
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 …
February 9, 2018
Financial Lessons from the Year of the Dog
retirement
Financial Lessons from the Year of the Dog
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.
February 5, 2018
4 Ways the New Tax Changes Affect Your Finances
taxes
4 Ways the New Tax Changes Affect Your Finances
From new tax rates to changes in saving for your child's education, here are four things to try to improve your finances in 2018.
January 24, 2018
The $10,000 Question: How to Cover Child Care
savings
The $10,000 Question: How to Cover Child Care
Creative solutions are out there to cut the high price parents pay to make sure their little ones are cared for while they’re hard at work, bringing h…
December 20, 2017
Naughty or Nice: A Guide for Giving to Charity
taxes
Naughty or Nice: A Guide for Giving to Charity
Doing the most good with your donation starts with following your heart, and then doing your due diligence.
December 14, 2017