Mark Z. Ma, CFP®

 Mark Z. Ma is an independent consultant who focuses on the areas of fee-based advisory services, risk management, investment, retirement planning, estate planning, and college funding. Mr. Ma is accredited as a Certified Financial Planner tm (CFP) by the Board of standard, Inc. of CFP® and is a member of the Financial Planning Association (FPA). He holds numerous securities registrations such as 6.7.24.26.66.63. He is also licensed to offer client risk management products such as life insurance, annuity, health insurance, disability income insurance, and long-term care insurance.

Mr.Ma received his Master of Science in Finance from The University of Houston in 1996. He has been working as a Financial Consultant for the last twenty-three years. Mr. Ma also has a background in Chemical Engineering; he was a project officer and Chemical Engineer before he came to The States in 1992. He has worked as a Chemical Engineer in Germany, UK, Australia, Italy, Switzerland, Hong Kong, Turkey, and Pakistan

A Certified Financial Planner and Investment Advisor Representative, Mr. Ma is a frequent speaker on investment, retirement and estate planning issues conducted by the various professional organizations in the Chinese community in Houston. In the past years, he has been invited several times to be a guest speaker on the finance related radio show on AM 1050.Mr. Ma provides well- timed advice to company owners, senior managers and individual families regarding personal finances, tax planning, investment, retirement, estate planning as well as college funding. A special area of emphasis in Mr. Ma's practice is distribution plans with respect to material qualified retirement plans and IRAs. Client investment preference and risk tolerance are highly regarded while focusing on minimizing income taxes and transfer taxes.

Mr. Ma has the ability to listen to concerns and layout various options in light of emotional and tax issues. His recommendations have helped clients save thousands of dollars in estate and income taxes through accurate and timely planning. Quite often, clients have  increased their discretionary retirement income while maximizing wealth transfers to future generations, estate tax free.

Every month, Mark Ma analyze hundreds of financial, tax, insurance, and investment resources to advice on helping build your retirement, getting the most out of your retirement, budgeting, investing, health care, second careers, travel, leisure, relationships, making your money last, and more.

He is fluent in English and Chinese.