3(21) Fiduciary
Financial Wellness Education
Investment & Fees
We will assist you with your fiduciary process, benchmark your plan and help you alleviate the administrative burden experienced by HR
Investment & Fees
Financial Wellness Education
Investment & Fees
We will help you monitory your fees, set up a Diversified Investment Platform with winners in both up and down markets
Financial Wellness Education
Financial Wellness Education
Financial Wellness Education
We will help you educate your employees so they are on track to fulfill their retirement goals. www.financialwellnesstower.com
Meet our Team
Bonnie Yam, CFA, CFP, AIF, CLU, ChFC, CLSP, RICP, EA, CVA, CEPA
Ms. Yam graduated from Smith College with a BA in Math and Economics. She received her MBA in finance from University of Chicago. Before starting her own company, she was a financial manager for TIME magazine and a Hedge Fund Analyst for Cheetah Investment. Ms. Yam has been in the pension consulting business for 20 years.
She started her own RIA, Pension Maxima with the objective to provide cost transparency and a platform that can truly benefit clients first. Ms. Yam focuses on success factors for 401(k) plans and has assisted many companies in improving their 401(k) plan costs, sometimes as much as 50%. Ms. Yam has written three eBooks, “401(k) Benchmarking”, “Understanding 5500” and 401(k) Plan Health.
Ms. Yam is highly involved with educating the community. She is a CPA CPE sponsor in NY and NJ and has lectured extensively on Financial Wellness Topics through FPA, NYSSCPA and at NY SIBL library. She is also a lecturer at SUNY University, Valhalla on Financial Wellness topics.
The web program, www.financialwellnesstower.com, is an innovative education program to enhance learning through fun cartoons videos, online forum, activities, quizzes and games. The website comes with an accompanying Financial Wellness Tower Workbook, a joke book, Bonnie’s Bulls and an illustrated concept book, Principles for Financial Wellness and Financial Wellness FAQs. The cartoons are also available in Spanish and Chinese to ensure a broad outreach of audience.
Affiliations: Member: CFA Institute, Westchester Business Council, Westchester County Association (Intel Committee), Westchester County MWBE Task Force, New York Financial Planning Association, Exit Planning Institute, NY CPA Association, Chinese CPA Association.
Kai L. Cheung, MBA, CFA, FRM, PRM, Realtor
Kai graduated from the University of Michigan with an MBA in Finance. He began his career in corporate banking with J P Morgan Chase and has accumulated extensive experience in the area of credit and financial management. He has also worked at AXA Advisor, Countrywide and Bank of America where he gained valuable experience in financial advisory as well as mortgage consultation.
Kai recently joined Pension Maxima as a Registered Investment Advisor and will begin to consult in the area of retirement and special financial needs. He will also be the in-house expert in the area of mortgage and real estate investment.
Kai adopts a holistic approach to financial planning and risk management. He is adept in incorporating real assets as an important element of the planning process.
Kai is a CFA charter holder. He also holds the FRM and PRM risk management designations. Kai is also a licensed Real Estate Broker and member of CFASF, GARP, PRMIA and SCCAOR.
