Hi, I’m grace chan.

Are you living your ideal lifestyle? If you aren’t there yet, what would your dream schedule be like? Is there anything that prevents you from living that life? What are they?

To me, money was a big worry ten years ago. I thought I needed to earn billions to live my dream life. I have tried to live different lives - working at MNCs, non-profits, corporates, luxury brands, having my own fashion label, marketing, public relations, sales…etc. but none of them resonated with my heart. It’s like finding true love by testing different boyfriends. It was tiring. And eventually, my body sent me a signal with some health issues - I needed a break from work and life.

I left my luxury wine sales manager job and decided to take some courses I had always been interested in - psychology and mindfulness. That was when I had some quiet time to sit with myself for deep self-reflection, and listen to my heart… for the first time (better late than never, right?). Oh my, it was tough! There’s this million-miles-thick facade built up all through the years and it took the patience of highly focused daily meditations to break it through.

The result? I realized what I was going after for all those years was in the wrong direction. I was living someone else’s life, not mine. I was looking at someone else’s dreams, not mine. What matters most to me is my freedom of time - for my loved ones and myself. What excites me is to help people live happier lives with my knowledge and ability. And this is exactly what my dream retirement lifestyle is like. And that’s why I have decided to be a Happy Retirement & Family Wealth Consultant and initiated a community service named Project Gracious to help young professionals like you get your personal and family finances organized, and your life plan sorted. It’s time to stop prioritizing work or kids’ school deadlines and delaying our personal goals forever! We can build a system to work towards all goals simultaneously.

So what’s your story? If you want a happy (early) retirement but aren’t sure where to start, let’s talk! (I speak Cantonese & English)

PROFESSIONAL TRAININGS & OTHER INTERESTS

  • Certified Family Wealth Instructor (FFEI)

  • Certified Trust Planner (Wealth Succession Planning Association)

  • Certificate of Family Financial Management (Training Qualifications UK)

  • Certified Trust Planner (Wealth Succession Association)

  • Certified Child Financial Quotient Instructor (Training Qualifications UK)

  • Licensed Insurance Intermediary - General & Long Term Business including Linked Long Term Business (HK Insurance Authority)

  • Licensed MPF Intermediary (HK Mandatory Provident Fund Schemes Authority)

  • Psychology (University of Oxford, Department of Continuing Education)

  • Mindfulness for Life - Mindfulness-based cognitive therapy (Oxford Mindfulness Centre, University of Oxford)

It all begins with a dream. Maybe you want to retire by 45 years old. Maybe you want to turn a hobby into something more. Or maybe you want to move to the countryside and live a carefree life. Whatever it is, the starting time and the way you plan your lifestyle and finances make all the difference.

My Approach

Dream it

Don’t worry about sounding naive. Just be yourself. You are the only person who knows what your heart wants, and that is what makes you and your dream lifestyle unique.

plan it

Savings and investments don't have to be complicated. We discuss, review, and work together on your preferences and identify what matters most to you to set the important priorities right - so you won't waste any time and money on things that are not contributing to your goals.

We also plan for risk mitigations and make sure you are aware of the potential risks ahead of you and understand how they affect your present and future personal financial situations and goal-achievement timeline.

systematize it

I help you build a tailored and automated financial system that works towards your dream lifestyle even when you are asleep - one that can save you hundreds of hours battling with tracking your savings.

We catch up regularly to review and tweak your personalised system - just like regular car service - to make sure everything is working towards your goal at different life stages.