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Marguerita M. Cheng, CFP®

CEO, Blue Ocean Global Wealth

Phone: 301.502.5306
E-mail: mcheng@blueoceanglobalwealth.com
www.blueoceanglobalwealth.com

Marguerita M. Cheng is the Chief Executive Officer at Blue Ocean Global Wealth. She is often featured in national publications. Cheng 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. She serves as a subject matter expert for the CFP Board, contributing to the development of examination questions for the CFP® Certification Examination. Cheng also volunteers for CFP Board Disciplinary and Ethics Commission (DEC) hearings. She is a past FPA National Board Member and a frequent speaker on financial planning, Social Security, diversity, elder care and retirement.

Latest Features

Building Wealth
July 2018

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.

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Building Wealth
June 2018

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 strategies, and why. Perhaps their decisions could help guide yours.

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Building Wealth
June 2018

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.

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Building Wealth
April 2018

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 are seven worth watching.

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Building Wealth
April 2018

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 protections and better reputations than others.

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Building Wealth
March 2018

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.

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Building Wealth
February 2018

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 talk and shared strategy.

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Building Wealth
February 2018

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.

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Building Wealth
January 2018

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.

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Building Wealth
December 2017

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 home the bacon. Nanny sharing, anyone?

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Building Wealth
December 2017

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.

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Building Wealth
September 2017

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.

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Building Wealth
August 2017

Say Goodbye to MyRA, Hello to Roth IRA

The government may be shutting down its investment program, but don’t let that stop you from saving for retirement. There are lots of tax-friendly Roth IRA possibilities, even for those with just $50 a month to spare.

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Building Wealth
August 2017

How to Just Say No to Binge Spending

Don’t let emotions steer you into buying things you don’t need or can’t afford. Know the warning signs and follow these tips.

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Building Wealth
July 2017

Confused About the Fiduciary Rule?

Investor advocates are jubilant while many financial services professionals are apprehensive, as regulations designed to ensure investors have access to objective retirement savings advice, are implemented.

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Building Wealth
July 2017

ERISA, the Fiduciary Standard and Where We Go from Here

Putting the DOL’s investor-protection rule into historical context sheds new light on what the future may hold for retirement savers.

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Building Wealth
June 2017

Congrats, grads! Now Start Tackling Your Student Debt

Just a few simple steps can help new college graduates make inroads in paying off their student loans and setting themselves up for a secure financial future.

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