About Fred Zhou

I'm Fred Zhou—a husband, a father, and a lifelong learner who believes that true wealth goes far beyond what's in your bank account.

Every Thursday, I write a letter to my younger self through my #DearYoungerFred series—reflections on the lessons I wish I'd learned sooner about family, health, and yes, finances too.

By day, I work as a Certified Financial Planner, but this space isn't about selling services. It's about sharing stories, lessons, and the occasional hard-won wisdom.

My Philosophy

Family. Health. Wealth. In that order.

I've learned that when you get the first two right, the third tends to follow. Life isn't just about numbers—it's about understanding what those numbers are for. It's about protecting what matters most and building a legacy that reflects your values.

Professional Background

• Writer of the weekly #DearYoungerFred series
• Certified Financial Planner (CFP) by trade
• Lifelong student of what makes a meaningful life
• Based in Canada