Carmen Cheung

I highly recommend Carmen. She is very thorough, extremely clear, and her upbeat, positive attitude makes the process enjoyable. We approached Carmen to figure out when we can retire, and her analyses have made our options crystal clear. We thought that her fee for the initial assessment was very reasonable given how thorough it was and her recommendations for rebalancing our assets more than paid for the cost of her services. We were amazed to learn that an annual check-​in with Carmen is absolutely free, even though we have had her run different scenarios. All in all, we couldn’t be more pleased. (We are do-​it-​yourself types and have used different on-​line retirement planning programs. Her modeling is more complex than anything we had used and saves an amazing amount of time.)

I love Unilocal — it’s the perfect vehicle to shout out stellar business people so that others can confidently benefit from them too!
I cannot recommend Carmen more highly. Her work has been flawless and I continue to rely on her expertise and integrity without hesitation.
I came to Carmen with such a tangled mess of inheritance accounts that I never thought they could be unraveled. Carmen diligently worked through each one until we came out with the very best possible result. She far surpassed my expectations — my family and I truly have her alone to thank for our future financial comfort. And she achieved all of this with a good natured smile and kind words.
Carmen is our hero.

Carmen is an awesome financial planner. She listens to her clients and recommends great financial strategies to achieve goals. We have been her clients since 2009 and she has done a tremendous job with our finances (even when the market is down). I highly recommend her!

My husband and I were over whelmed with all the choices and trying to figure out the best investments for us for retirement. When I started asking around about personal financial advisors the one name that kept coming up was Carmen.
Carmen is a phenomenal financial planner. She doesn’t make decisions for you; rather, she helps you define your goals and presents different solutions to reach those goals and empowers you to make the decisions yourself. She helped us with our retirement planning and a great deal more. Life insurance, long term care insurance, 401k, IRA, annuities, and the what-not’s things we no longer have to stress about. We had a ton of questions for her and she was able to break it down in easy to understand language. Because of Carmen, we now are much further along in our financial goals and are taking informed steps toward continued growth in our lives.