Philip Cheng (鄭任中) holds a Bachelor's degree in Economics from the University of Western Ontario, Canada, and is a licensed Wealth & Risk Management Consultant in Hong Kong. He serves as Chief Executive of the GBA Elderly Services Development Association and sits on the HKCT Professional Education & Training Committee, working across retirement planning, asset growth, risk management and Greater Bay Area elderly care.

Rooted in Hong Kong, he has watched the genuine hardships of an ageing city: longer lives alongside strained medical and care resources, and most people with little awareness of retirement risk until a crisis arrives. When the Government encouraged retirement in the Greater Bay Area, he travelled across the region himself to explore the feasibility of Hong Kongers retiring north, inspecting communities and experiencing the medical and living environment first hand.

To meet Hong Kong's increasingly severe retirement challenges, he brought together four core pillars—asset growth planning, risk management, local welfare policy, and premium Greater Bay Area eldercare communities and medical resources—to create Smart Retirement Blueprint HK. Beyond delivering all-round retirement planning, it dismantles the long-standing pain point of fragmented information. He firmly believes that retirement is never a passive wait, but a stage of life you can plan proactively and control on your own terms.

鄭任中先生擁有加拿大西安大略大學經濟學學士學位，是香港持牌財富及風險管理策劃師，現任大灣區老人服務發展協會總幹事，並擔任港專（HKCT）專業教育及培訓委員會委員，深耕退休規劃、資產增值、風險管理及大灣區安老服務。

紮根香港的他，長期觀察到高齡化社會的真實困境：長壽時代來臨、醫療與安老資源緊張，而大多數港人在意外或風險來臨前，往往缺乏退休風險管理意識。響應政府「北上退休」的方向，他親身走訪大灣區探討港人北上退休可行性，實地考察院舍，體驗當地的醫療與養老環境。

為應對香港日趨嚴峻的退休挑戰，他將四大核心支柱——資產增值策劃、風險管理、本地福利政策，以及大灣區優質安老社區與醫療資源——融為一體，創建「退『優』方程式」。該方案不僅提供全方位的退休規劃服務，更徹底瓦解了過去資訊零散的痛點。他始終相信：退休從不是被動等待，而是可以主動規劃、自主掌控的人生階段。