Plan the later years with clarity, dignity, and care.
為人生下半場，作出清晰、有尊嚴的安排。
Philip Cheng helps Hong Kong families structure their finances, safeguard their wishes, and find trusted care across Hong Kong and the Greater Bay Area.
鄭任中協助香港家庭規劃財務、守護心願，並在香港及大灣區尋找可信賴的安老照顧。
Smart Retirement Blueprint (退優方程式) is the personal advisory of Philip Cheng, an independent retirement and legacy advisor in Hong Kong and a licensed Sun Life representative. He helps Hong Kong residents plan retirement finances, structure assets for the Old Age Living Allowance, access HKMC reverse mortgage referrals, and find trusted Greater Bay Area retirement homes, medical, rehabilitation and dental care, including organised tour visits. Successful Old Age Living Allowance applicants currently receive HK$4,345 per month per person.
退優方程式（Smart Retirement Blueprint）是鄭任中的個人顧問品牌。他是香港獨立退休及傳承顧問，亦是持牌宏利代表，協助香港居民規劃退休財務、為申請長者生活津貼而重整資產、轉介按證公司安老按揭，並尋找可信賴的大灣區安老院舍、醫療、復康及牙科服務，包括安排院舍參觀。成功申請長者生活津貼者，現時每人每月可領取 港幣 4,345 元。
The person behind the plan.
計劃背後，是一個人。
Philip Cheng built Smart Retirement Blueprint to answer a question many Hong Kong families face quietly: how do we plan well for the later years, before a crisis forces our hand?
He works as an individual advisor, not a large firm, so the relationship stays personal. As a licensed Sun Life representative, he advises on retirement finances and the protection that surrounds them. He also serves as Chief Executive of the GBA Elderly Services Development Association, which keeps him close to the realities of elderly care across the Greater Bay Area.
Most of his clients are Hong Kong residents who want one trusted person to help them see the whole picture, from finances and legal protections to where a parent might one day be cared for.
鄭任中創立退優方程式，是為了回答許多香港家庭心底的問題：在突發狀況逼我們倉促應對之前，怎樣才能為晚年作好準備？
他以個人顧問身份服務，而非龐大公司，因此關係始終貼身而私密。作為持牌宏利代表，他就退休財務及相關保障提供意見；同時擔任大灣區老人服務發展協會總幹事，讓他緊貼大灣區安老照顧的實況。
他的客戶大多是香港居民，希望有一位可信賴的人，協助他們看清全局，由財務、法律保障，到父母日後可能入住的安老安排。
Money is only the tool. The real goal is a later life lived with dignity, close to the people who matter most.
金錢只是工具。真正的目標，是有尊嚴地度過晚年，與最重要的人相伴左右。
One person, the whole picture
一個人，看顧全局
Finances, legal protection, and care are usually handled by different people who never speak to each other. Philip connects them into one plan.
財務、法律保障與照顧，往往交由互不溝通的不同人處理。鄭任中把它們連成同一個計劃。
Plan before the crisis
在危機之前規劃
The hardest decisions are made when a family is already overwhelmed. Good planning moves those choices to a calmer time.
最艱難的決定，往往在家人已身心俱疲時才被迫作出。良好的規劃，把這些選擇提前到較從容的時刻。
Honest about boundaries
坦誠面對界線
Regulated advice belongs in a private meeting, never online. Where a referral suits you better than a product, Philip says so.
受規管的建議只應在私人會面中進行，絕不在網上提供。若轉介比產品更適合你，鄭任中會如實相告。
Four ways Philip helps you plan.
四種協助你規劃的方式。
Each service explains what it is and how Philip helps. No regulated advice, eligibility decisions, or pricing is given online. Those happen in a private consultation.
每項服務只說明內容及鄭任中如何協助。受規管的建議、資格判斷及收費均不會在網上提供，這些會在私人諮詢中進行。
Sun Life Financial Advice
宏利財務規劃
Philip advises on retirement finances using Sun Life insurance solutions, including products that carry Enduring Power of Attorney and Trust features for added protection and continuity. He helps you understand the options; the regulated advice itself happens in a private meeting.
鄭任中運用宏利的保險方案就退休財務提供意見，當中包括具備持久授權書及信託功能的產品，提供額外保障與延續性。他協助你理解各種選擇；受規管的建議本身則在私人會面中進行。
What is an Enduring Power of Attorney?
甚麼是持久授權書？
An Enduring Power of Attorney lets you appoint someone you trust to manage your finances if you later lose the mental capacity to do so yourself. It keeps decisions in trusted hands rather than leaving them to chance.
持久授權書讓你委任一位信任的人，在你日後喪失處理財務的精神行為能力時，代你管理財務，使重要決定交由可信賴的人，而非聽天由命。
Best for families who want their retirement savings and their wishes protected together.
適合希望同時守護退休儲蓄與個人心願的家庭。
Enquire or book查詢或預約 →Reverse Mortgage Referrals
安老按揭轉介
Philip provides referrals to the Reverse Mortgage Programme and the Life Insurance Policy Reverse Mortgage Programme, both run by the Hong Kong Mortgage Corporation (HKMC), which is 100% owned by the Hong Kong Government. He helps you understand whether a referral fits your situation.
鄭任中為安老按揭計劃及保單逆按計劃提供轉介，兩者均由香港按揭證券有限公司（按證公司）營運，而該公司由香港政府全資擁有。他協助你了解轉介是否適合你的情況。
What is a reverse mortgage?
甚麼是安老按揭？
A reverse mortgage lets an older homeowner borrow against a property while continuing to live in it, receiving regular payouts instead of making monthly repayments. It can turn a home into retirement income without having to sell or move out.
安老按揭讓年長業主以自住物業作抵押借款，同時繼續居於其中，並收取定期年金，而非每月供款，能在毋須出售或遷出的情況下，把物業轉化為退休收入。
Best for homeowners who want retirement income while staying in their own home.
適合希望留在自住物業，同時取得退休收入的業主。
Enquire or book查詢或預約 →Old Age Living Allowance
長者生活津貼規劃
Philip advises on how to restructure or relocate assets so that an applicant can meet the requirements of the Old Age Living Allowance (OALA). He explains the approach clearly; eligibility is always decided by the Hong Kong Government, not by him.
鄭任中就如何重整或調配資產提供意見，協助申請人符合長者生活津貼（長生津）的要求。他會清楚解釋方法；資格最終由香港政府決定，而非由他判斷。
What is the Old Age Living Allowance?
甚麼是長者生活津貼？
The Old Age Living Allowance is a Hong Kong Government allowance for eligible older residents, subject to asset and income limits. Successful applicants currently receive HK$4,345 per month per person. Amounts and rules are set by the Government and may change.
長者生活津貼是香港政府為合資格年長居民提供的津貼，須符合資產及入息限額。成功申請者現時每人每月可領取港幣 4,345 元。金額及規則由政府釐定，並可能不時調整。
Reference figure only, set by the Hong Kong Government.
僅供參考，金額由香港政府釐定。
Enquire or book查詢或預約 →Greater Bay Area Care
大灣區安老照顧
Philip refers families to trusted Greater Bay Area retirement homes, medical, rehabilitation and dental partners, drawing on partnerships including a major China hospital and dental group. He also organises tour visits so families can see a community in person before deciding.
鄭任中為家庭轉介可信賴的大灣區安老院舍、醫療、復康及牙科夥伴，當中包括與一所大型中國醫療及牙科集團的合作。他亦會安排參觀團，讓家人在決定前親身了解社區環境。
What is a CCRC?
甚麼是持續照料退休社區（CCRC）？
A Continuing Care Retirement Community (CCRC) brings independent living, assisted care, and nursing care together in one community, so a resident can stay as their needs change over time. It is a growing model across the Greater Bay Area.
持續照料退休社區（CCRC）把自理生活、協助照顧及護理服務集於同一社區，讓住客在需要改變時仍可留在原處。這是大灣區日漸普及的養老模式。
Best for families exploring quality, affordable care options beyond Hong Kong.
適合希望在香港以外，物色優質且相宜照顧選擇的家庭。
Book a tour visit預約參觀團 →
Why families trust Philip.
家庭信賴鄭任中的原因。
Philip works at the intersection of finance and elderly care, with the licence, partnerships, and standing to advise on both. He regularly speaks on Greater Bay Area retirement, including Continuing Care Retirement Communities.
鄭任中游走於財務與安老照顧之間，並具備在兩方面提供意見的牌照、合作網絡與地位。他經常就大灣區養老議題演講，包括持續照料退休社區。
Licensed Sun Life representative
持牌宏利代表
Authorised to advise on Sun Life insurance solutions, including products with Enduring Power of Attorney and Trust features.
獲授權就宏利保險方案提供意見，包括具持久授權書及信託功能的產品。
Government programme referrals
政府計劃轉介
Referrals to the Reverse Mortgage and Life Insurance Policy Reverse Mortgage Programmes run by the HKMC, 100% owned by the Hong Kong Government.
轉介按證公司營運的安老按揭及保單逆按計劃，該公司由香港政府全資擁有。
Care, medical & dental partners
安老、醫療及牙科夥伴
Partnerships with Greater Bay Area retirement homes and a major China hospital and dental group, with organised tour visits.
與大灣區安老院舍及一所大型中國醫療及牙科集團合作，並安排參觀團。
Chief Executive, GBA Elderly Services Development Association
大灣區老人服務發展協會總幹事
A separate organisation Philip leads, keeping him close to the realities of elderly care across the region.
鄭任中領導的另一獨立機構，使他緊貼區內安老照顧的實況。
Philip helped us plan for my mother calmly, before anything went wrong. We finally felt in control.
在事情變壞之前，鄭任中已從容地協助我們為媽媽作好安排，我們終於覺得一切在掌握之中。Client, Hong Kong 香港客戶
The Greater Bay Area tour visit answered every question we were afraid to ask. It made the decision real.
大灣區參觀團解答了我們不敢開口的每一個疑問，讓決定變得實在。Family, Hong Kong 香港家庭
He explained the reverse mortgage in plain language and never pushed. That trust is why we came back.
他用淺白的話解釋安老按揭，從不催促。正是這份信任，讓我們再次找他。Client, Hong Kong 香港客戶
Honest answers to real questions.
就真實疑問，給予坦誠解答。
Smart Retirement Blueprint is the personal advisory of Philip Cheng. It helps Hong Kong residents plan their retirement finances using Sun Life solutions, structure assets for the Old Age Living Allowance, and access HKMC reverse mortgage referrals.
It also connects families to trusted Greater Bay Area retirement homes, medical, rehabilitation and dental partners, and organises tour visits so you can see a community before deciding. The aim is one trusted person who can see your whole picture.
退優方程式是鄭任中的個人顧問品牌，協助香港居民運用宏利方案規劃退休財務、為申請長者生活津貼而重整資產，以及轉介按證公司安老按揭。
同時，他為家庭連繫可信賴的大灣區安老院舍、醫療、復康及牙科夥伴，並安排參觀團，讓你在決定前親身了解社區。目標是讓你有一位可信賴的人，看顧你的全局。
They are separate. Smart Retirement Blueprint (退優方程式) is Philip Cheng's personal advisory brand, and this website belongs to it.
GBA Elderly Services Development Association (大灣區老人服務發展協會, gbaelderly.org) is a separate organisation that Philip leads as Chief Executive. Greater Bay Area care is one of Philip's advisory services, which is why it appears here, but this site is the Smart Retirement Blueprint brand's own.
兩者是獨立的。退優方程式是鄭任中的個人顧問品牌，本網站屬於它。
大灣區老人服務發展協會（gbaelderly.org）則是另一獨立機構，由鄭任中擔任總幹事。大灣區安老是鄭任中其中一項顧問服務，因此在此出現，但本網站是退優方程式品牌專屬的。
Successful applicants currently receive HK$4,345 per month per person. The amount and the eligibility rules are set by the Hong Kong Government and may change.
No one can guarantee an outcome, and Philip does not decide eligibility. What he does is advise on how to restructure or relocate assets so that you are in a position to meet the requirements. The Government makes the final decision.
成功申請者現時每人每月可領取港幣 4,345 元。金額及資格規則由香港政府釐定，並可能調整。
沒有人能保證結果，鄭任中亦不會判斷資格。他所做的，是就如何重整或調配資產提供意見，讓你具備符合要求的條件，最終決定權在政府。
The Reverse Mortgage Programme and the Life Insurance Policy Reverse Mortgage Programme are run by the Hong Kong Mortgage Corporation (HKMC), which is 100% owned by the Hong Kong Government.
Philip provides referrals to these programmes and helps you understand whether one fits your situation. The programmes themselves are administered by the HKMC.
安老按揭計劃及保單逆按計劃由香港按揭證券有限公司（按證公司）營運，該公司由香港政府全資擁有。
鄭任中為這些計劃提供轉介，並協助你了解是否適合你的情況。計劃本身由按證公司管理。
Yes. Philip organises tour visits to Greater Bay Area retirement homes so families can see the environment, meet staff, and ask questions in person.
Seeing a community first hand often answers the worries that brochures cannot. You can request a tour visit through the booking form below.
可以。鄭任中會安排大灣區安老院舍參觀團，讓家人親身了解環境、與職員交流並當面提問。
親身了解社區，往往能解答單張無法回答的憂慮。你可透過下方表格預約參觀團。
No. Regulated financial advice is only given in a private consultation, never online or over chat. This website explains what each service is and how Philip can help.
When you reach out, the first step is a conversation to understand your situation. Any advice that follows happens in a proper meeting, in the language you prefer.
不會。受規管的財務建議只會在私人諮詢中提供，絕不會在網上或對話中進行。本網站只說明各項服務的內容，以及鄭任中如何協助。
當你聯絡我們，第一步是一次傾談，了解你的情況。其後任何建議，都會在正式會面中，以你選擇的語言進行。
Philip is based in Hong Kong, and most of his clients are Hong Kong residents planning for themselves or for an ageing parent. He advises across Hong Kong and the Greater Bay Area.
He works as an individual advisor, so you deal with him directly rather than being passed around a large firm. The easiest way to start is the booking form or a WhatsApp message.
鄭任中在香港執業，客戶大多是為自己或年長父母規劃的香港居民，服務範圍涵蓋香港及大灣區。
他以個人顧問身份服務，你會直接與他接洽，而非在大公司之間被轉來轉去。最簡單的開始方式，是填寫預約表格或 WhatsApp 留言。
Begin with a quiet conversation.
由一次安靜的傾談開始。
Tell Philip a little about your situation. Every enquiry reaches the same inbox and gets a personal reply, in English or Chinese.
告訴鄭任中一點你的情況。每則查詢都會送達同一個信箱，並以中文或英文親自回覆。