CYNTHIA KO - CERTIFIED FINANCIAL PLANNER®

I grew up watching my mum work tirelessly to provide for our family—stretching every pay cheque, saving a little “for a rainy day,” and giving my siblings and me a safe, loving home. She never talked about money, yet her actions taught me everything: work hard, live simply, help others, and never take life for granted.

Her resilience shaped my belief that true wealth isn’t about looking rich—it’s about living with intention and aligning your money with what matters.

My ‘why’ to become a financial adviser is to empower people (particularly women) to make confident, informed decisions about money, so they can be financially independent, enjoy a stress-free retirement, and live the life they desire.

With over 15 years of experience as a certified financial planner, I’ve learned that finances aren’t just numbers. They’re fears, dreams, relationships, and deeply personal stories.

I help clients define what brings them joy, then guide them in creating, protecting, and growing their wealth in a way that reflects their values and goals. To me, financial planning is more than strategy—it's coaching, connection, and supporting people through life’s decisions.

I am grateful to have joined HPH Solutions, where I can contribute to a high performing team dedicated to serving our community.