Marguerita M. Cheng is the Chief Executive Officer at Blue Ocean Global Wealth. She is a columnist for Investopedia & Kiplinger. She is a member of CNBC Digital Financial Advisor Council. As a Certified Financial Planner Board of Standards (CFP Board) Ambassador, Marguerita helps educate the public, policymakers, and media about the benefits of competent, ethical financial planning.  She serves as a Women’s Initiative (WIN) Advocate and member of the Diversity Advisory Group (DAG) for CFP Board. Her  mantra is “So many people spend their health to gain wealth, and then have to spend their wealth to regain their health” (A.J. Reb Materi).