Noreen Chiu received her Bachelor of Arts in Economics from University of California, Berkeley. She began her financial career in the institutional fixed income department at Morgan Stanley Asia in Hong Kong, where she serviced the regional central banks and institutional clients. After working in Hong Kong for two years, she moved back to the Bay Area where she worked as a Senior Trading Liaison for Blackrock Global Investors on their fixed income and indexed futures desks. Since then, she has transferred her in-depth industry knowledge to the retail side, where she provides financial advice with a focus of wealth preservation and goal-based investment strategy. Noreen has been with Merrill Lynch Wealth Management for twleve years and looks forward to grow her career with the firm for the next decades. In her leisure, Noreen enjoys travelling around the world experiencing different cultures and foods. She believes that the best way to learn about an economy is by seeing it. In one of her recent travels, she visited Cambodia and was fascinated by their vast history and spectacular architecture. Noreen also has a keen interest in arts and loves to browse museums around towns.