What My Clients Say

Testimonials

Just a few lines to express our sincere gratitude for the wonderful meeting we had on Sunday. I wish to take this opportunity to thank you both for your precious time on Sunday! For this, we are truly grateful. As Canadian immigrants, we have been deeply troubled long enough to attempt to plan for retirement. With your tireless help and true professional advice, we finally can enjoy our self with worry-free retirement plans that protect our investments, as well as a guaranteed and predictable retirement income.

Once again, Ida and myself wish to thank you both for the wonderful service.

Ida and Gordon Chang

Canadian Immigrants

An investment return of 19.94% for the past 6 months is remarkable, or should I say astonishing, considering the world economic situation.

Raymond has great foresight and on multiple occasions made timely adjustments to my portfolio, both to avoid massive losses in the downturn and to attain substantial gains in the upturn.

I am very happy and confident having Raymond as my advisor since 2002. Raymond has a great vision and personally takes care of his clients.

Keep up the good work.

Vincent G.

My name is Dr. Andrew W. Kwong and I have been a professional practicing dentist for the past 18 years. I have had the opportunity to work with Mr. Raymond Tam for the past 12 years. I would like to take this opportunity to say a few words to commend him for a job very well done. Raymond is a very trustworthy, knowledgable, and responsible person that I can truly rely on for my insurance and investment needs. An example of his talent was his prediction of the drop in the US dollar back in 2006 and the market crash from 2008-2009. Raymond was able allocate my investments properly and as a result shielded me from any major losses. I am truly satisfied with his performance as my financial and insurance advisor and as such I would highly recommend him to my friends and my colleagues.

Dr. Andrew W. Kwong

Sherrie Huang

Dr. Andrew W. Kwong & Sherrie Huang

Dentist

My name is Andrew Chow, I am 22 years old. I started investing with Raymond Tam in June 2008. Because I am young, we had decided to go with high risk investments. Despite the recent economic conditions, the investments I made with Mr. Tam have increased by about 30%. Thanks to his professionalism and foresight in the investment market, my investment portfolio has been performing well above expectation despite the market meltdown in the fall of 2008. 21.6% gain in the period between Nov 2008 and Aug 2009! As Raymond reviews my portfolio with me on a regular basis and advises me of any adjustment to cope with situation change; in 2006 I was suggested by Raymond that US currency was at risk of devaluate and thus our investment in US was reallocated out of the region. In 2008 I was again alerted by Raymond that the market was at risk of crash thus avoid a big loss during the biggest market meltdown. Raymond is not just a responsible advisor of me,he has became a trustworthy friend of my family. It has been a real pleasure to have Raymond look after my investment portfolio, and I can be assured that my assets are in very capable hands.

Many thanks!

Amy S.Y. Lau

Long-term Client

My family and I are ordinary investors who just like the passengers on board the plane, completely rely on you as our pilot to fly and land safely at the destination.

We are fortunately having you, an experienced pilot, on board to fly above the ‘tsunami’ and landed at the destination safely. There is no doubt that you have been working aggressively during the stressful and challenging time for all of us as investors. We really appreciate your market experience and anticipation of the market change in order to exercise your due diligence to manage the risk. When most investors are still panic to find the way out, we have already got through the crisis with your professional and experimental investment strategy and plan.

We hereby express our appreciation from the bottom of our hearts to your high quality and professional financial advice and service.

Anthony, Bonnie, and William Chu

Raymond is a trustworthy, hard working and resourceful person.

He provides me with sound advice regarding my investment decisions. In addition, he was able to preserve my capital in spite of the credit crisis and throughout the recession to date. As a responsible representative, he frequently follows up with me once or twice a month. I thank him for the time and effort he hasput into my financial matters.