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Former Apple Store Manager · AI Financial Advisor

Left a million-dollar salary,
just to live authentically

I'm Wing. I help Hong Kong's middle-class workers build a clear financial strategy to regain life choices — not to get rich, but to find peace of mind.

☕ Book a Coffee Chat Read My Story
10+
Years of Experience
200+
Families Served
$0
Initial Consultation Fee
Wing
Wing
AI Financial Advisor · @notwing
🍎
Former Apple Store Manager (first internal promotion)
☕
Start with a coffee chat — zero pressure
🧭
Build your personal financial roadmap
🔒
People-first, never pushy
Sound Familiar?

High salary, but never truly at ease

There's a paradox in Hong Kong — earning six figures a month, yet still feeling like money is never enough, never knowing when you can stop worrying.

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Living in a "goldfish bowl"

Great salary, stable life, but you feel trapped. Afraid to quit, afraid to switch careers, afraid to say "no".

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Saving but is it enough?

You save every month, but for what? Is there inflation protection? Will it be enough for retirement? Totally unclear.

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No time to manage finances

Work is already exhausting. You want to rest after hours. Finance is important, but "I'll deal with it later" has been going on for years.

Wing at IPP Award Presentation
My Story

I wasn't born knowing finance.
I was forced to learn.

I grew up in a walk-up tenement. Dad drove a taxi, Mum worked in a restaurant. Growing up, I knew nothing about finance — just that I had to study hard and work hard. After graduating from HKU Engineering, I joined Apple and was promoted to Store Manager in three years, leading a team of 100+. The pay was good, but I was still just an employee.

"The high-paying days made me feel successful, until one day I realised I was a fish trapped in a beautiful bowl — not bad, but not free."

At 32, I earned my first pot of gold, and it made me rediscover myself — who I am, what life I want. That was the turning point. I chose financial planning because I believe everyone deserves the right to choose their own life, instead of being defined by a paycheck.

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Apple Hong Kong Among HK's first internally promoted Store Managers, leading a 100+ person team
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Turning Point Left a million-dollar salary — from "creating value for a company" to "helping people reclaim their choices"
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Present AI Financial Advisor, served 200+ Hong Kong families, founder of @notwing personal brand
Services

Build your complete financial system

Not selling products — designing a financial framework that's yours: clear, transparent, actionable.

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Core Service

Financial Planning for an Independent Life

Starting from your income, expenses, responsibilities, and dreams, we build your personal financial roadmap. When to retire? How much do you need? What to do now? Everything mapped out step by step.

Financial Check-up Retirement Planning Goal Setting
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Risk Protection

Insurance Portfolio Review

Review your existing life, medical, and critical illness coverage. Identify gaps and overlaps. Make sure you and your family have truly adequate protection — not just a stack of policies that don't cover enough.

Coverage Review Medical Planning Family Protection
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Wealth Growth

Asset Allocation Strategy

Based on your risk tolerance and life goals, design an investment portfolio strategy. Not stock trading — a long-term, systematic wealth-building plan you don't need to watch daily.

Asset Allocation Fund Portfolio Inflation Hedge
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MPF

MPF Optimisation

Most people's MPF is on autopilot. But with the right fund selection and switching, you can significantly improve long-term returns. Let me help you see whether your MPF is truly working at its best.

MPF Review Fund Selection Long-term Returns
How It Works

Four steps, starting with a cup of coffee

No preparation needed. The first meeting is just a chat.

200+
Families Served
10 Yrs
Financial Planning Experience
$0
Initial Consultation Fee
☕1 Cup
Cost to Get Started
1

DM or WhatsApp

IG @notwing or WhatsApp me. Just say "I'd like to chat about my finances" — no preparation needed.

2

A Coffee Chat

A relaxed 60-minute conversation to understand your situation, concerns, and goals. Completely pressure-free — not a sales pitch.

3

Financial Health Report

Based on our conversation, I'll prepare a personalised financial analysis, clearly outlining your strengths and gaps.

4

Action Plan

Implement your financial plan step by step — not buying everything at once, but a sustainable strategy that fits your pace.

Why Choose Me

Not the biggest firm,
but the best fit for you

I'm not a big-company agent. No quotas, no end-of-month hard sells. I have one goal — to genuinely help you.

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A real person, not a sales script

I started as an employee too. I understand the contradictions and pressures you face — not just theory.

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Your needs come first

I don't fit you into a pre-set product. I design solutions for your situation. Sometimes the best advice is to buy nothing.

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I teach you to understand, not just to follow

I want you to truly understand your finances — not blindly trust, but make every decision with clarity.

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Long-term partnership, not a one-off service

Life changes, and financial plans need updating. Once you're a client, I'm your long-term financial partner.

Typical Financial Advisor
Wing's Approach
Pushes products first
Understands your situation first
End-of-month quota pressure
No rush — when you're ready
Scripted pitch
Real conversation, back and forth
Disappears after signing
Long-term support, regular reviews
Doesn't explain the fine print
Explains everything clearly
Product-driven
Your goals drive everything
Client Stories

What they say speaks louder than what I say

Real client feedback, unedited.

★★★★★

After my first coffee chat with Wing, finance stopped being scary. He didn't ask me to buy anything — he just helped me understand my situation, and that alone was a huge help.

C
Chelsea L.
Marketing Manager · Age 31
★★★★★

I used to think financial advisors were just salespeople, but Wing is truly different. His questions go deep — about how I want to live, not how much money I have to spend.

J
Jason K.
Engineer · Age 37
★★★★★

Wing reviewed all my insurance and found several overlapping policies plus a major gap in medical coverage. Saved me a lot of money, and more importantly, I'm actually protected now.

F
Fion P.
Lawyer · Age 40
★★★★★

My husband is an engineer and thought financial planning was too complicated to bother with. Wing explained it so simply that now we both understand and are on the same page.

A
Amy W.
Teacher · Age 34
★★★★★

What moved me most was when Wing said if my current finances don't need any products, he'll tell me straight. That kind of honesty is rare.

D
David C.
IT Manager · Age 43
★★★★★

A year ago Wing designed a retirement plan for me. Now it runs automatically every month — I don't need to think about it. Finally at ease.

S
Simon H.
Banking · Age 46
Who Is This For?

Are you someone I can help?

✓ A good fit if...

  • ✓ Earning HK$50K+ per month but unsure if your finances are sufficient
  • ✓ Need retirement planning but don't know where to start
  • ✓ Married or getting married soon, want to build a family financial foundation
  • ✓ Want to know if your insurance covers what truly matters
  • ✓ Want to invest but don't want excessive risk, unsure how to choose
  • ✓ Want someone to explain clearly, without the sales pressure

✗ Probably not a fit if...

  • ✗ You want short-term speculation and outsized returns
  • ✗ You're unwilling to spend time understanding your finances
  • ✗ You just want to "hand it off to an agent" without involvement
  • ✗ You don't trust any financial advisor (completely understandable, but probably not the right fit)

Not sure if this is for you?
One coffee chat — you'll know within 15 minutes. No preparation needed, no commitment required.

Self-Assessment

What's your Goldfish Bowl Index?

7 questions, 2 minutes — find out how trapped you are by your paycheck.

Question 1 / 7

If your company told you today that you don't need to come in tomorrow, what would be your first reaction?

If you had no income, how long could your savings last?

If you hated your job, would you dare to quit immediately?

How clear are you on your financial/retirement goals for the next 5–10 years?

The money you save each month — do you know what it's for?

Have you ever bought insurance or investments without really understanding what you got?

Do you feel your life is dictated by your paycheck?

FAQ

Questions you might have...

Ask and find peace of mind.

The first coffee chat is completely free — no charges whatsoever. My income comes from commissions on financial products you choose to purchase later. If you don't want to continue after the first chat, that's perfectly fine — no follow-up charges.

Insurance agents typically start with products; I start with your life goals. I don't have quotas to hit or month-end sales pressure. If your current arrangements are already sufficient, I'll tell you directly — I won't convince you to buy anything.

No documents needed. The first meeting is mainly about getting to know each other. I'll ask about your current situation, goals, and concerns. Just bring an open mind. If you'd like to prepare, you can pre-install the "iAM Smart" app — during our meeting I can walk you through logging into eMPF to assess your current MPF portfolio performance on the spot.

Yes. Most people leave their MPF on autopilot, but through smart fund selection and switching, you can significantly improve long-term returns. I can review whether your MPF is performing at its best and provide specific optimisation recommendations.

Never. I fully respect your decision. If it's not the right fit, just say so — no explanation needed, no excuses necessary. I won't chase you, and it won't become an awkward thing between friends.

Zero pressure, zero cost

Your independent life
starts with a cup of coffee

No preparation needed, no commitment required.
Just the desire for change and 60 minutes of your time.

💬 WhatsApp to Book 📷 IG @notwing DM
Completely free first consultation
No preparation needed
No obligation to buy anything
You're in control
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