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
Tech and publishing
Background
CORPORATE BACKGROUND
Wai-Yee Chen, a seasoned financial services expert, established and owns multiple comprehensive financial
enterprises under her Australian Financial
Services License. These businesses
include Acumen Money, providing a range
of financial services to the general public,
ProsperaMed, catering to the requirements
of medical professionals, and Acumen
Investors, offering sophisticated
investment options to wholesale investors
and family offices.
PROFESSIONAL BACKGROUND
As an Adviser, Wai-Yee has served high-
net-worth clients for nearly thirty years,
bringing hands-on experience in equities,
derivatives stockbroking, and investments.
Before establishing her own firms, Wai-Yee
worked as an Adviser specialising in
derivatives at Ord Minnett, ABN
AMRO/RBS Morgans, and Credit Suisse
First Boston. Her investment expertise and
insights have been in high demand and
were frequently featured on television
networks such as CNBC, Sky News
Business, and Ausbiz. Wai-Yee also
contributed as a respected columnist for
business publications like the Australian
Financial Review and various investment
magazines. Currently, she shares her
insights through the firm's monthly
AcuView.
EDUCATIONAL QUALIFICATION
Wai-Yee is a CPA with degrees in Commerce (majoring in Accounting) and a Masters of Applied
Finance from Macquarie University. Her postgraduate qualifications include a Diploma in
Financial Planning, and she is FASEA qualified with Derivatives and Margin Lending
Accreditation from the Australian Stock Exchange. Wai-Yee also holds a Certificate IV in Finance
and Mortgage Broking and is an accredited member of the FBAA.
Expertise
AREAS OF EXPERTISE
Wai-Yee is a trusted personal
adviser/banker to clients in Australia and
globally. Her expertise lies in identifying,
aligning, and recommending suitable
structures, investments, and
credit/financing options to address the
comprehensive financial requirements of
individuals, families, and businesses. This
guidance aids clients in reaching their
income goals and fulfilling their aspirations
for wealth accumulation and asset
protection.
ENTREPRENEURSHIP AND COMMERCIAL EXPERIENCE
For almost 30 years, Wai-Yee's role as an
investment advisor for high-net-worth
clients has provided her with a deep
understanding of various medical
businesses.
This exposure has granted her valuable
insights into the medical sector and
nurtured connections within the industry.
These insights prove beneficial when
advocating for medical clients with
potential lenders and searching for suitable
credit options.
PERSONAL INFORMATION AND AUTHORSHIP
Wai-Yee actively participates and
contributes to the finance and investment
industry, through seminars organised with
various industry Associations.
Additionally, Wai-Yee has authored two
published investment books.
- OptionsWise: How to invest Sensibly
- NeuroInvesting
OptionsWise: How to invest Sensibly
Neuroinvesting
OptionsWise: How to Invest Sensibly
Book Review by Australian Investors
Association, 2010
“Have you ever considered investigating or
finding out more about financial options? If
so, this book could be a good starting
point. If you have an existing financial
strategy using options, this book may
assist in adding some more strategies to
your repertoire. Alternatively this can be a
good book to alert you to what is available,
and you could find an adviser to deal with
the details.”
Neuroinvesting
Neuroinvesting Book Review by Jeffrey M.
Schwartz M.D., Research Psychiatrist
University of California, Los Angeles author
of You Are Not Your Brain and The Mind &
The Brain
“NeuroInvesting boldly breaks new and
critically important ground in the fields of
investor psychology and strategy. By
combining cutting-edge neuroscience with
a deep understanding of the mind of the
investor, Wai-Yee Chen insightfully probes
the nuances of how to effectively create
winning portfolios. NeuroInvesting
represents a major advance in practical
investment psychology and strategic
decision-making, as well as significantly
developing the application of neuroscience
to enhance self-control and awareness.
Reading and reflecting upon this work of
Wai-Yee Chen will significantly enhance
any investor's ability to trade with
confidence, intelligence, and perhaps most
importantly, wisdom."
Background
Maggie has an extensive track record of professional experience in financial services. She
started her career with HSBC Bank in 2006 and has since amassed over ten years of experience as a financial
planner with top-tier institutions like ABN AMRO/RBS/CIMB Morgans Financial and Commonwealth Bank. 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