Our story
Built on patience and honest attention.
Tea Ledger began with a simple observation: most financial education moves too quickly and assumes the wrong starting point for people in the middle decades of life.
← Back to HomeHow we began
The practice behind Tea Ledger.
Tea Ledger was established in Hong Kong in 2018 by a small group of adult educators and financial practitioners who noticed a recurring pattern among their peers in midlife: people who were thoughtful in every other part of their lives were curiously unreflective about their financial assumptions.
The name comes from two images held together. The ledger is the old-fashioned financial record — honest, slow, and detailed. Tea is the practice of preparing and drinking something with care, without hurry. Together they describe an approach to financial self-understanding that takes its time.
Since opening, Tea Ledger has worked with over 340 adults across Hong Kong, the majority of whom came with no prior financial education and left with a clearer sense of what they actually believe — and want — about money.
We are not a wealth management firm or a financial advice service. We are an education practice. Our work ends at understanding; what participants decide to do with that understanding is their own.
Our mission
Helping people see more clearly.
Tea Ledger exists to give adults in their forties and fifties a structured, unhurried space to examine their relationship with money — the habitual thinking, the unexamined assumptions, and the stories inherited from earlier life.
We believe that most financial decisions improve when the person making them understands their own tendencies. Not because they then follow a formula, but because they can see more of what is actually happening in the moment of decision.
Our mission is to make that quality of attention more widely available, without sensationalising finance or making participants feel they should have known better sooner.
Our values
- Patience over urgency in all matters of learning
- Honesty without judgment toward participants
- Respect for the complexity of midlife financial reality
- Commitment to small group, personal formats
The people behind this
Our faculty.
Catherine Wong
Programme Director
Spent fourteen years in financial education before founding Tea Ledger. Holds a postgraduate qualification in adult learning from the University of Hong Kong.
Michael Lam
Behavioural Curriculum Lead
Previously a researcher in applied behavioural economics at CUHK. Develops the programme modules on decision patterns and cognitive tendencies in finance.
Susan Tam
Group Facilitation Lead
Trained facilitator with a background in counselling and adult education. Leads the in-person sessions and supports participants through the reflective writing components.
How we work
Standards we hold ourselves to.
Participant Privacy
Personal financial information shared in group sessions is treated with strict confidentiality. Participants agree to mutual discretion as part of the enrolment process.
Evidence-Based Content
All course material references published behavioural and psychological research. We cite sources and update curriculum as the field develops.
Group Size Limits
We cap cohorts at twelve. This is not a policy we relax for popular sessions. The quality of discussion depends on it.
No Financial Advice
Tea Ledger is a registered education provider, not a licensed financial advisory firm. Our work is educational in nature and does not constitute personal financial advice.
Annual Curriculum Review
Course content is reviewed and updated each year. Where newer research refines our understanding, we revise the materials accordingly.
Post-Course Support
All participants have access to a brief follow-up session within three months of completing their programme, to review progress and address any questions that have emerged.
Financial mindfulness in Central Hong Kong.
Tea Ledger operates from Kinwick Centre on Hollywood Road, a short walk from the Central MTR station. The location in Central is deliberate: we wanted to be accessible to professionals and residents who work in or near the business district and who often have the least time to pause and reflect on their financial lives.
Our courses draw participants from across Hong Kong Island and Kowloon, including returning expatriates, long-term residents approaching retirement, and self-employed professionals who manage their own finances without the structure of employer-arranged schemes.
The majority of participants come through personal recommendation rather than advertising. We regard that as a meaningful signal about the quality of the experience — and about the kind of organisation Tea Ledger is.
Take the first step
Speak with us before you commit.
We are happy to answer questions about any of our courses before you decide to enrol. A brief conversation often clarifies which programme is the right starting point.
Get in Touch