A practice built on the belief that clarity is a form of care
Ginseng Ledger was founded to give Hong Kong adults a calm, unhurried space to understand the financial dimensions of ageing — without being sold anything.
Back to HomeFounded in Central, shaped by the families around us
Ginseng Ledger grew out of a simple observation: many Hong Kong adults in their 40s and 50s arrive at moments of healthcare and care-related financial decision-making without having had a structured opportunity to think through the landscape first. By the time costs become concrete, choices are narrower.
Our founders — with backgrounds in health economics and financial education — set out to create a programme that addressed this gap. The name draws on two things: the ginseng root, long associated with patient, thoughtful preparation in traditional Chinese medicine; and the ledger, the quiet discipline of laying out what is known so that what is uncertain can be considered clearly.
We are not a financial advisory firm. We do not sell insurance, investment products, or financial plans. What we offer is structured education — courses that organise the relevant landscape of costs, care options, and planning considerations so that participants leave better equipped to have meaningful conversations with advisers, family members, and themselves.
Our office is in Jardine House, Central — a working address, not a flagship. Courses run in modest cohorts. We think this arrangement serves the material well.
Our Mission
To give adults in Hong Kong a clear, unhurried understanding of the financial dimensions of healthcare and ageing — so that planning decisions are made with knowledge rather than against it.
Our Values
- Transparency — No affiliations, no commissions, no hidden agenda.
- Respect — Participants are capable adults making complex decisions.
- Precision — Every module earns its place in the curriculum.
Hong Kong Focused
All material is built around the HK healthcare system, MPF framework, and Greater Bay Area context. Not adapted from overseas templates.
A small, experienced team
Each member brings deep knowledge of either healthcare economics, financial education, or clinical practice in Hong Kong.
Catherine Lam
Co-Founder & Programme Director
Former health economist with fourteen years studying the cost trajectory of healthcare in ageing Asian populations. Designed the curriculum structure and oversees each cohort intake.
Raymond Yuen
Co-Founder & Financial Educator
Spent over a decade in financial planning education before becoming dissatisfied with product-led structures. Leads the modules on insurance review, budgeting, and retirement integration.
Dr. Sarah Wong
Clinical Adviser
Geriatric medicine specialist based in Hong Kong. Reviews clinical content to ensure that what participants learn about care pathways and medical needs reflects current practice.
Our standards and approach
No product sales, ever
Ginseng Ledger has a strict policy against recommending or selling financial products. Our revenue comes solely from course fees, which keeps our interests fully aligned with participants.
Clinically reviewed content
All modules relating to care pathways, medical trajectories, and clinical decisions are reviewed by our clinical adviser before each cohort cycle to reflect current Hong Kong medical practice.
Annual curriculum review
Healthcare costs, insurance rules, and government policies change. The curriculum is reviewed and updated at least annually to ensure accuracy.
Participant privacy
Personal information shared during discussions remains within the cohort. We do not share participant data with third parties and comply fully with Hong Kong's Personal Data (Privacy) Ordinance.
Small cohort policy
Cohorts are capped between eight and sixteen participants. This is a deliberate choice — discussion quality depends on it, and we are not willing to compromise it for scale.
Post-course access
Participants retain access to session recordings and written materials for twelve months after course completion, so that information can be revisited as circumstances evolve.
Healthcare financial education in Hong Kong — our field and our commitment
The intersection of healthcare costs and retirement planning is under-addressed in Hong Kong's financial education landscape. Most resources either come from product sellers with conflicting interests, or from general financial planning frameworks that do not account for the particular dynamics of HK's dual public-private system.
Ginseng Ledger fills that gap with material that is locally grounded, product-free, and designed for adults who are approaching, or already within, the decade where these questions become pressing.
Long-term care is among the least discussed and most significant cost categories facing midlife families in Hong Kong. Whether the concern is for oneself, a spouse, or a parent, the financial and logistical complexity is substantial — and the Greater Bay Area adds further options and further questions.
Our Long-Term Care Planning programme addresses this with the seriousness and compassion the subject warrants. It is the course we are most frequently asked about, and the one we are most careful to keep current.
We would welcome a conversation
If you would like to understand whether our courses are a fit for your situation, or simply have questions about the content and approach, please write to us or call.
Get in Touch