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
CORPORATE BACKGROUND
Wai-Yee Chen is an experienced finance and investment professional who founded a group of
diversified full-service financial businesses. With over thirty years of hands-on experience in
equities, derivatives stockbroking, and investment, Wai-Yee successfully obtained her own
Australian Financial Services License in 2020. In 2023, Wai-Yee expanded her services to include
credit.
The businesses under her management are Acumen Investors which specialises in wholesale
and family offices’ sophisticated investment solutions, Acumen Money servicing everyday
Australians in full financial services including credit and ProsperaMed with a special focus on
medical professionals’ financial needs
PROFESSIONAL BACKGROUND
Before establishing her own firms, Wai-Yee worked as an adviser with specialized skills in
derivatives at Ord Minnett, ABN AMRO/RBS/Morgans, and Credit Suisse First Boston. Her
investment ideas and insights are highly sought after and were regularly featured on TV
networks such as CNBC, SKY News Business, and Ausbiz. Wai-Yee was also a well-respected and
active contributor/columnist for business media like the Australian Financial Review and various
investment magazines. She now shares her insights in the firms’ monthly publication, AcuView,
which is accessible from https://www.acumenmoney.com.au/blog.
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 around the world. She is
skilled at sourcing, matching, and advising on appropriate structures, investments, and
credit/financing solutions to meet whole-of-person (which include family and businesses)
financial needs, helping clients achieve their income objectives and fulfilling their wealth
creation and asset protection desires
ENTREPRENEURSHIP AND COMMERCIAL EXPERIENCE
For nearly 30 years, Wai-Yee has served as an investment adviser to high-net-worth clients.
During this time, she has been closely involved with the businesses of several medical clients,
providing her with valuable insights into the medical industry and allowing her to build
relationships within the field. These experiences have proved to be beneficial when
representing medical clients to potential lenders and when seeking appropriate credit
solutions. Additionally, Wai-Yee is the founder and director of a privately owned dental and
health services company.
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