Norman Lo, FCPA, FCG, HKFCG Retirement Specialist Financial Planning and Legacy Planning

I am a financial services professional with the designations of FCPA, FCG and HKFCG, currently specialising in financial planning, retirement planning and legacy planning.Before transitioning into financial services, I built a solid career in financial accounting with over 26 years of experience in the Finance Departments of brokerage houses and investment banking firms. My experience covers full sets of accounts, financial reporting and accounting operations for securities and futures brokerage businesses, corporate finance and asset management companies.I also have more than 19 years of hands-on experience in Financial Resources Rules reporting to the Securities and Futures Commission of Hong Kong. This background has equipped me with strong knowledge of regulatory requirements, financial governance, compliance awareness and the operating environment of licensed corporations in Hong Kong.To further strengthen my professional expertise in governance, I pursued a Master’s degree in Corporate Governance in 2018 and completed the programme in 2020. I was granted full exemption from the HKCGI International Qualifying Examinations and later qualified as a Fellow Member of The Hong Kong Chartered Governance Institute. Since 2022, I have served as an Independent Non-executive Director of Phoenician International Limited, further broadening my experience in corporate governance and board-level oversight.After 26 years in financial accounting and governance, I made a meaningful career transition to Prudential Hong Kong Limited. As a Retirement Specialist, I focus on helping clients prepare for retirement with confidence through retirement income planning, wealth protection, risk management and legacy planning.My professional approach is built on integrity, discipline and long-term planning. With my background in accounting, regulatory reporting, corporate governance and financial services, I aim to provide clients with a well-rounded perspective and practical solutions for different stages of life.In recognition of my performance, I achieved the Million Dollar Round Table qualification, with an Annualised First Year Premium of HKD 1.5 million, and received the Gold New Star Award from LUAHK.