Life Financial Planning · Protecting Every Step | Rooted in Hong Kong
What you wish to protect,
I will protect together with you.
AURUM's Core Principles
Impact
Our goal is meaningful, sustainable wealth —
not just returns, but
long‑term security and
generational continuity.
Insight
We apply deep financial understanding and forward‑thinking strategy
to every plan. Clarity
comes before action.
Integrity
We act with transparency
and place our clients’
interests first.
Trust is the foundation
of every relationship.
When it comes to life financial planning,
we believe in one conviction:
Wealth should be genuine, well-ordered, and able to stand the test of time.
We do not chase short-term gains; instead, we take a long-term perspective to build clear, stable, and sustainable wealth arrangements.
Everything we do is for lasting value.
Creating Your Own Financial Freedom of Choice, Together With You
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Are you leaving behind wealth, or problems?
Wealth succession is not merely the transfer of assets; it is the continuation of values, responsibility, and intentions. I will help you organise your family assets, protection arrangements, and legacy goals, so that every wealth arrangement is clearer and more orderly, and suited to different life stages and family needs.
We believe that truly good succession planning should be thought through and arranged before anything happens. Through sound structures and clear allocation, your family is protected, your assets endure, and the achievements of your lifetime become the foundation from which the next generation can move forward with peace of mind.
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Do you think business succession is something to consider only at retirement?
Wealth succession is not merely the transfer of assets; it is the continuation of values, responsibility, and intentions. I will help you organise your family assets, protection arrangements, and legacy goals, so that every wealth arrangement is clearer and more orderly, and suited to different life stages and family needs.
We believe that truly good succession planning should be thought through and arranged before anything happens. Through sound structures and clear allocation, your family is protected, your assets endure, and the achievements of your lifetime become the foundation from which the next generation can move forward with peace of mind.
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Does buying insurance mean you have a life plan?
Modern wealth planning for couples building a future together. Together, we develop clear, personalised strategies to help you accumulate assets, protect the people and things that matter, and ensure every arrangement aligns with your long-term goals — transparent, clear, and uncomplicated.
Taking hold of your long-term financial direction, together with you.
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You clearly have an income — so why can't you save?
The first step in building wealth is often not chasing higher returns, but first establishing clear, disciplined savings and cash-flow arrangements. I will help you organise your income, expenses, savings goals, and short-, medium-, and long-term funding needs, so that every dollar has its place and purpose.
We believe a sound financial foundation comes from good habits sustained day by day. Through an orderly savings strategy and cash-flow planning, you can meet life's needs with greater ease, seize future opportunities, and step by step build a sense of financial security that is truly your own.
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Children's education, healthcare, living expenses — have you really worked it all out?
A family's financial arrangements have never been just about managing income and expenses; they concern the needs of every family member at different stages of life. I will help you organise your household cash flow, children's education, medical protection, risk management, and long-term asset allocation, making your family finances clearer and more orderly, and better able to adapt to future changes.
We believe truly sound family wealth planning should let your family live with greater peace of mind, not add pressure. Through personalised strategies and transparent arrangements, I will accompany you in building a family financial blueprint that protects the present, supports growth, and carries on into the future.
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Preparing education funds — did you know there are actually many ways to do it?
Education is one of the most important commitments parents make in preparing for their children's future. I help families organise their children's education goals, academic pathways, required funds, and timelines early on, so that education planning is no longer just a vague hope, but a clear, actionable financial blueprint.
We believe good education planning is not only about saving for tuition, but about preserving the freedom of choice for your children. Through orderly savings, protection, and asset-allocation arrangements, AURUM accompanies parents in making sound decisions at every stage, giving children a more secure and more open starting point on their path to growing up.
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Do you think earning money in Hong Kong means you only need a Hong Kong solution?
Expatriate professionals working and living in Hong Kong often face multiple considerations at once — cross-border income, tax, protection, investment, and whether to stay or leave in the future. I provide expatriate professionals with clear, well-ordered wealth planning, helping you organise your assets in Hong Kong, cash flow, protection needs, and long-term goals, so that every financial decision has a clearer direction.
I believe that when living abroad, you need a wealth arrangement that is understandable, actionable, and adaptable to life's changes even more. Through personalised strategies and transparent analysis, I help you build a stable foundation in Hong Kong, while also taking into account possible future cross-border mobility, family responsibilities, and asset-growth needs.
Returns are not just numbers —
what matters is whether they align with your life goals.
About Returns
True wealth planning has never been about chasing a seemingly attractive rate of return; it's about making sure every arrangement fits your cash flow, life stage, protection needs, and long-term goals. I will break down complex plans into clear, understandable key points, so you know what each number represents — and whether it is truly right for you.
The following three things are the foundation we will clearly explain to you in every plan.
Guaranteed and Projected Must Be Looked at Separately
The figures in a proposal are usually divided into two parts: "guaranteed" and "non-guaranteed / projected." The guaranteed portion represents the commitment set out in the contract, while the projected portion is based on assumed returns, and actual results may be higher or lower. I will help you clearly distinguish between the two, so you are not drawn in by the headline total alone, and every decision is built on transparent information.
IRR and Breakeven Period Determine Whether This Arrangement Is Truly Right for You
The internal rate of return (IRR) already takes into account the payment schedule, policy term, and changes in cash flow, so it cannot simply be compared directly with bank deposit rates. I will help you understand the actual return performance of different plans over different time horizons, and clearly explain the breakeven period — that is, the point in time after which you truly recover your principal. Because life plans change, the flexibility of your funds and the timing arrangements are often just as important as the returns.
Connecting You to the Market Is About Making Comparisons More Meaningful
As a licensed broker, I connect you to major local and global insurance and wealth solutions, so you can compare across a broader range of choices. But the real value lies not in having more options, but in selecting the arrangement that best fits your life stage, family responsibilities, risk tolerance, and long-term goals. The best plan is not necessarily the one that is easiest to sell, but the one you are best able to keep executing over time.
Carl Chan｜Founder, AURUM
I have always believed:
Money is a means, not an end.
What is truly worth protecting is the stability and the choices a person —
and a family — have when facing the future.
I believe a good plan should not be the result of you being persuaded in the moment,
but a decision you make after seeing the facts clearly, understanding the risks, and thinking it through. This industry has never lacked products, nor comparisons of returns. What is truly rare is someone willing to sit with you and verify every item, one by one, before you sign. Which figures are guarantees set out in the contract, and which are merely projections based on assumptions; how far apart the outcomes can be between paying in full for the whole term and exiting midway. These are questions I make a habit of asking first — and of explaining clearly to you.
Practising as a licensed broker allows me to connect with major local and global
insurance and investment institutions. But I have always believed that breadth of choice is only the starting point. The real value lies in working from the facts, distinguishing the differences together with you, and then designing an arrangement that genuinely works for your life stage, family responsibilities, and long-term goals.
My income comes from commissions paid by insurance institutions — this is standard practice in the industry. If you want to know how much I would earn on a particular plan, you can ask me directly. I have no reason to hide it. Because what I care about more is not a single transaction, but whether, in the years to come, you will still want to come back and discuss the next step in your life with me.
That is the long-term value I truly care about.
A First Step, Our Gift to You
How to Understand a Savings or Retirement Plan Without Getting Lost in the Jargon.
Every savings or retirement plan comes with a mass of figures and terms. This guide teaches you how to tell which parts are guaranteed and which are merely projected, along with a few questions worth asking clearly before you sign — no products are promoted; it simply gives you a method you can understand and actually use.
Request Your Free Guide
Take the First Step
Give your future self an answer.
A good plan is a decision you reach after thinking it through — not the result of being talked into something on the spot. A conversation is not a commitment. It simply gives you one more piece of information, so you can judge for yourself.