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Marguerita Cheng, CFP®, RICP®, CRPC®, CSRIC®

Empowering Your Financial Future with Personalized Guidance

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Blue Ocean Global Wealth Marguerita Cheng, CFP®, RICP®, CRPC®, CSRIC®
Gaithersburg, MD

Serving Clients Nationwide

Empowering Your Financial Future with Personalized Guidance

301-502-5306

Website

Areas of Focus

  • Business Owners
  • Caregiving for Parents
  • Divorce Financial Planning
  • Education Funding
  • Estate Planning
  • Investment Management
  • Retirement Income Planning
  • Setting Up Retirement Accounts

About Marguerita Cheng, CFP®, RICP®, CRPC®, CSRIC®

Hi, I'm Marguerita "Rita" Cheng, CFP®, RICP®, Chief Executive Officer of Blue Ocean Global Wealth.

Navigating life's financial complexities has always been more than just a career for me—it's a deeply personal mission. The seeds of this journey were planted early in my life, shaped by experiences that taught me the importance of preparation and compassion.

When I was 10, my aunt suddenly passed away. My uncle hadn’t considered life insurance for her, leaving him without the means to pay for her funeral. My aunt was a stay-at-home parent. He turned to my dad for a loan, but my dad responded, “No, I won’t give you a loan. I will take care of this because you should not have to go through this emotional turmoil and then have to burden the stress of this financially.” That moment was pivotal for me. My dad explained that while we can’t predict life’s challenges, being prepared can ease the burden. He would show me the family safe and explain that if anything happened to him or my mother, everything I would need would be there for me.

My father’s foresight and compassion were a huge inspiration. The year before I gave birth to my third child, he was diagnosed with Parkinson’s Disease, and our lives changed forever. As I was raising my younger daughter I also evolved into the role of caregiver. While my mother was still alive and caring for him, it was my responsibility to take him to his medical appointments and coordinate his care with his case manager and medical providers. I took care of him until he passed away in 2015. His strength and wisdom continue to guide me in my career and personal life.

Today, I am the Chief Executive Officer at Blue Ocean Global Wealth. My professional journey began with roles as an Analyst and Editor at Towa Securities in Tokyo, Japan, and as a Financial Advisor at Ameriprise Financial and I hold several certifications, including Certified Financial Planner® (CFP), Chartered Retirement Planning Counselor® (CRPC), Retirement Income Certified Professional® (RICP), and Chartered SRI Counselor (CSRIC®).

My work extends beyond the office. As a financial writer and speaker, I’ve contributed to Forbes, The Wall Street Journal, CNBC, Reuters, Kiplinger, Investopedia, Entrepreneur, Huffington Post, U.S. News and World Report, Time, Yahoo! Finance, NerdWallet, Financial Advisor, Be Inkandescent, and more. In 2023, I was honored to be named the #2 Most Influential Financial Advisor in the Investopedia Top 100, a Woman to Watch by InvestmentNews, and a Top 100 Minority Business Enterprise (MBE®) by the Capital Region Minority Supplier Development Council (CRMSDC). I’m also a recipient of the prestigious Japanese Monbukagakusho Scholarship.

In my role as a Certified Financial Planner Board of Standards (CFP Board) Ambassador, I helped educate the public, policymakers, and media about the benefits of competent, ethical financial planning. I also serve as a Women’s Initiative (WIN) Advocate and subject matter expert for the CFP Board, contributing to the development of examination questions for the CFP® Certification Examination. From 2013 to 2015, I served on the Financial Planning Association (FPA) National Board of Directors and am a past president of the Financial Planning Association of the National Capital Area (FPA NCA). Additionally, I have been a spokesperson for the AARP Financial Freedom Campaign. Presently I serve on the Board of Directors of CFP Board.

My mantra is inspired by A.J. Reb Materi: “So many people spend their health to gain wealth, and then have to spend their wealth to regain their health.” This philosophy drives my commitment to helping clients achieve a balanced approach to financial and personal well-being.

Professional Designations

  • Accredited Investment Fiduciary (AIF)
  • Certified Divorce Financial Analyst (CDFA)
  • CERTIFIED FINANCIAL PLANNER ®
  • Chartered Advisor in Philanthropy (CAP)
  • Chartered Retirement Planning Counselor (CRPC)
  • Chartered SRI Counselor (CSRIC)
  • Retirement Income Certified Professional (RICP)

Affiliations

  • CFP Board
  • Financial Planning Association
  • The AGC
  • XY Planning Network

Primary Location

9841 Washingtonian Blvd suite 200, Gaithersburg, MD 20878, USA

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Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Based

What to expect in the first meeting

Click the 'Book Intro Call' button above and complete the brief form to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.

Offers Investment Management

Yes

About Blue Ocean Global Wealth

Blue Ocean Global Wealth empowers clients to have the confidence and clarity necessary to take control of their financial future by providing them with prudent financial advice, risk management, and investment knowledge.

Our Mission

The mission of Blue Ocean Global Wealth is to help women, families and entrepreneurs plan and protect their money so that can make rational decisions about their finances. Blue Ocean Global Wealth empowers clients to have the confidence and clarity to take control of their financial future.

Why Work With Us

As a public policy steward, Blue Ocean Global Wealth is held to the highest fiduciary standard — and Rita takes those standards to heart. Having worked in our industry for decades, Rita believes to her core that financial planning advice and wealth management services must be delivered to the public with objectivity, accountability, and transparency, which is why Blue Ocean Global Wealth places client interests above those of anyone else — including the firm, its employees, and shareholders.

Advisory products and services are offered through Blue Ocean Global Wealth, a Registered Investment Advisor; securities are offered through Private Client Services, LLC, Member FINRA/SIPC. Private Client Services, LLC and Blue Ocean Global Wealth are not affiliated entities.

Education

University of Maryland, College Park, Bachelor of Science, Finance | University of Maryland, College Park, Bachelor of Arts, East Asian Language and Japanese Literature

Hobbies and Interests

  • Family
  • Volunteering

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Who We Serve

  • Business Owners
  • Corporate Executives
  • Divorce
  • Dual Income Family
  • Entrepreneurs
  • Families
  • Gen X
  • Government Employees
  • Intergenerational Families
  • Living in Retirement
  • Widow
  • Women Professionals

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

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