About Us
We are a privately-owned full financial services corporation with a team of diverse
financial experts based in Sydney, Australia. Acumen Money is the warm, friendly and down-to-earth
client-facing brand of Acumen Investors, an investment firm established in 2020 by respected investment
professional Wai-Yee Chen. Acumen Investors undergirds the network of Acumen Money offices with long
experience, deep expertise and vast industry associations.
Acumen Money offers bespoke care, forward-thinking solutions and ongoing innovations. We are young, fresh,
innovative and dynamic. We apply a holistic growth mindset to everything we do, growing our team and
expertise, client relationships and their asset bases. We are passionate about our clients. We dedicate
ourselves to finding the best financial solutions for them and accompanying them on their journey toward
financial growth.
We offer specialist financial solutions for asset financing, business or commercial loans, residential or
investment property loans and all aspects of investments, including your superannuation and
insurances.
We can’t wait to service you and meet your financial needs.
Our Team
Background
Wai-Yee Chen is a Specialist Investment Adviser to clients in Australia and
around the world. Qualified as a
CPA and ADA2, Wai-Yee holds a Bachelor’s Degree in Accounting, a Master of Applied Finance and a Diploma in
Financial Planning. She is FASEA qualified, with Derivatives and Margin Lending Accreditation with the
Australian Stock Exchange, and is also a member of the FBAA with accreditation as Credit Representative. She
has established a name in the industry as a trusted Derivatives Specialist Adviser, working with high
net-worth clients and family offices in leading Australian and global firms of Credit Suisse First Boston,
ABN AMRO/RBS/Morgans and Ord Minnett.
Wai-Yee Chen established her self-licensed investment advisory firm, Acumen Investors, in 2020. Her vision
is to provide institutional-grade wealth solutions to everyday investors in a cost-efficient manner.
Expertise
Wai-Yee is a portfolio manager and a trusted adviser to clients in Australia and around the world. With more than two decades of experience, she is skilled at constructing equities derivatives portfolios for professional investors as well as matching investments to the individual at the required level of sophistication to meet a range of clients’ needs, from limited-risk investments to astute derivatives strategies.
Wai-Yee has a unique perspective in neuroscience of investing. As an adviser, her sensitivity to clients'
diverse personality profiles and psychological temperament is valuable in helping clients work towards their
actual financial goals. As a portfolio manager, it gives her an edge in market psychology and investor
behavior.
Wai-Yee is regularly sought out by the media to present investment ideas and share her insights. These
networks in the past and present included CNBC, SKY Business and Ausbiz, the Australian Financial Review and
various investment magazines. She actively speaks with and coaches other advisers, investors and business
community and is a passionate and prolific investment author.
Amid the global financial crisis, Wai-Yee authored her first book, OptionsWise: How to Invest Sensibly, a
step-by-step manual to help investors and advisers understand how to use options to manage risks and enhance
returns, all in a sensible fashion. In 2013, Wai-Yee published: NeuroInvesting – Build a New Investing
Brain, with John Wiley & Sons. This book contains observations and lessons learnt from investing in
different markets, trading during highly volatile cycles like the GFC and in dynamic instruments such as
derivatives. Wai-Yee continues to educate the investing community through various mediums.
Background
Maggie boasts an extensive track record of professional experience spanning the financial
services sector since 2005. She has amassed over ten years of experience as a financial planner, having
worked with prestigious institutions such as HSBC, ABN Amro/RBS, CIMB, Morgans, and CBA. Maggie holds a
Bachelor's Degree in Applied Finance, a Master's Degree in Business, and an advanced diploma in financial
planning.
She is a Certified Financial Planner (CFP®️) and a SMSF Specialist Advisor (SSA®️).
Expertise
Maggie's primary expertise is to assist clients in optimizing their financial well-being, ensuring their financial affairs are well-managed and aligned with their objectives.
As a specialist in Financial Planning, she acknowledges the trust clients place in her as they navigate
their life journeys, and the significance of client education and simplifying complex financial matters and
concepts to ensure comprehensive understanding.
Maggie excels in identifying clients' core values and leveraging those insights to establish short, medium,
and long-term financial goals, providing personalised financial plans tailored to each client's unique
circumstance.
Maggie's expertise extends across wide critical financial areas, including retirement planning, navigating
Centrelink requirements, managing complexities related to superannuation and investments, strategic
planning, effective cash-flow management, and risk management.
Her commitment extends beyond the advisory process, as she provides continuous engagement and support across
all aspects of her clients' lives.
Please note that Maggie does not provide Credit Advice
Background
With nearly two decades of experience in the financial industry, Chi Kiet Chau
is a trusted Mortgage Broker
for his Australian clients. Chi attained his BBus (Economics) and Advanced Diploma of Financial Services
(Financial Planning). He worked with Australian companies Superpartners and IOOF and progressed to offering
specialised services as a Financial Planner for Hanratty Carr & Associates. Chi has attained many
qualifications over the years, holding a Diploma in Finance and Mortgage Broking Management and a Diploma of
Financial Services specialising in Complex Issues in Commercial Lending from Kaplan Australia and The
Institute of Strategic Management.
Chi’s specialist skill is in providing lending services to homeowners, property investors, individuals, sole
traders, trusts, companies and SMSFs.
Expertise
Chi works closely with his retail clients, specialising in
residential, commercial, and asset financing. Fuelled by his passion for helping those around him live a
fulfilled life as the best version of themselves, he aligns his professional purpose accordingly. Whether it
is home ownership, wealth accumulation through property or credit for commercial purposes, he aims to
concisely assist clients in meeting their needs and objectives through his expert solutions. These
personalised financing solutions are informed by the wealth of skills, experience and knowledge he has
gained in the industry since 2005.
Chi is motivated to empower the general community to make more informed lending decisions and has written a
number of valuable articles regarding the lending process. Operating within a transparent and client-first
mindset, Chi has a network of professional financial advisers who assist with meeting his clients' needs.
Please note that Chi does not provide Investment Advice