Carmen Wong, JD, CFP®, CLTC

Carmen Wong, JD, CFP®, CLTC


Carmen Wong, JD, CFP®, CLTC

“Unless you know where you’re going, you will probably end up somewhere else.”

My primary professional goal is to provide my clients with financial peace of mind.  I accomplish this by creating multiple financial steps, all leading to their ultimate, personalized goal.  One of my favorite expressions is: “You can’t hit a target you can’t see.”  So I will ask: “What’s your goal?” I believe the distance between now and my client’s goal is not as important.  What’s most important is that first step of working with a good financial planner who can help you see around the blind corners, and chart a path to reach that goal.

My practice focuses on: wealth building, wealth protection, retirement income planning that support my clients’ lifestyles; and if desired, wealth preservation and efficient wealth transfer for philanthropic purpose and legacy planning.

I worked in the legal field for over 17 years before pivoting to a second career as a financial planner in 2010 with a large financial company, with a dual focus on insurance planning and investment management.  Of those 17 years in the legal system, I spent the majority in commercial and personal injury litigation as an attorney in private practice.  My experience taught me the value of sound risk management as a foundation for wealth building.  I have also experienced personally the benefit of good financial planning which co-ordinates the team of advisers, i.e. the financial planner, the legal advisor, and the tax advisor.

I started investing for retirement while helping manage my former law firm’s pension plan in the mid-1990’s, back when we had a dial-up internet connection, when CompuServe was a big player (the subscription cost was over $1,000 a month), and when I used to pore over the printed pages of the Value Line.  Even though technologies have made research and numbers crunching a lot less painstaking, investing will always be about connecting the dots:  by making sense of current events and seeing their relevance to my clients’ goals, then tying the investment strategies to the goals, all while minimizing the impact of inflation, taxes, and wealth eroding situations.

The decision to join Confluence was a no-brainer because I enjoy working with a cohesive team that focuses on the client’s best interest.   We share the same professional credo.

I have a professional passion for what I do because I define wealth in terms of good relationships, intellectual growth, as well as physical, emotional, and spiritual health.  I have found that these holistic benefits seem to come easier once those steps toward the ultimate financial goal have been taken.  I am my clients’ advisor, advocate, and devil’s advocate; their counselor and cheerleader; their sounding board, and sanity-checker.

Little-known facts:

My favorite craft is re-upholstery of furniture and making custom window treatments.

Most likely to say:

“To be continued ….”

Outside of work:

I love riding horses (although I don’t own one) and traveling with my dog Daisy Mei.  I am an active volunteer in the Portland community.  I spend quality time with my friends, taking in all the bounties the Pacific Northwest has to offer: the good wine, good food, and great outdoors.  I also follow my large extended family in Hong Kong through daily interactions on Whatsapp and Skype, and taking an annual trip to Hong Kong to do real face time.

Perfect day:

No matter what the weather is in Portland, each day is a perfect day when I can look back upon it as one in which I have had some fun, some joy, and have done what has to be done to the best of my ability.  

What gets me out of bed in the morning?

Daisy Mei, my dog … plus the desire to help others so I can sleep well again at night, then get out of bed again the next morning, so on and so forth….