About overgaarddql.com

Our Mission & Values

At overgaarddql.com, we believe that financial literacy is not just about understanding numbers—it's about empowerment. Our mission is to transform Hong Kong's relationship with money by providing practical, accessible financial education that creates real-world results.

Core Values

• Accessibility: We design our courses to be understood by everyone, regardless of their previous financial knowledge.
• Practicality: Every concept we teach is paired with actionable steps that can be implemented immediately.
• Cultural Relevance: Our curriculum is specifically tailored to Hong Kong's unique financial environment and cultural attitudes toward money.
• Integrity: We never promote specific financial products or receive commissions—our only goal is your financial education.
• Community: We foster a supportive community of learners who continue to share knowledge long after courses end.

We measure our success not by enrollment numbers, but by the tangible improvements in our students' financial wellbeing. From helping young professionals establish their first investment portfolios to guiding business owners through tax optimization strategies, we take pride in being a catalyst for positive financial change in thousands of lives across Hong Kong.

Meet Our Expert Team

The heart of overgaarddql.com is our team of financial education specialists, each bringing unique expertise and passion to our courses. Our instructors combine academic knowledge with real-world experience, ensuring you receive education that's both theoretically sound and practically applicable.

Michael Overgaard

Founder & Lead Instructor

With 15 years of experience in investment banking at Morgan Stanley and Goldman Sachs, Michael brings insider knowledge of financial markets to his teaching. He holds an MBA from Harvard Business School and is a Chartered Financial Analyst. Michael specializes in investment strategies and wealth building for the Hong Kong market.

Dr. Emma Deng

Co-Founder & Curriculum Director

Emma holds a Ph.D. in Educational Psychology from the University of Hong Kong and previously developed financial education programs for the Hong Kong Monetary Authority. Her expertise lies in creating engaging, effective learning experiences that make complex financial concepts accessible to learners of all backgrounds.

Jonathan Kwok

Tax Strategy Specialist

Former Senior Tax Consultant at PwC Hong Kong, Jonathan brings 12 years of experience in corporate and personal tax planning. He's helped hundreds of business owners and high-net-worth individuals optimize their tax positions within Hong Kong's tax framework. Jonathan holds certifications as both a CPA and Certified Tax Advisor.

Sarah Wong

Retirement Planning Expert

With over 20 years of experience in pension fund management and personal retirement planning, Sarah specializes in helping individuals prepare for financial security in their later years. She has particular expertise in MPF optimization and international retirement solutions for expatriates in Hong Kong.

Our Achievements

Since our founding, we've helped thousands of Hong Kong residents transform their financial futures. Our approach to financial education has earned recognition throughout the region and created measurable impact for our graduates.

15,000+ Graduates

Over fifteen thousand students have successfully completed our comprehensive financial literacy programs, ranging from young professionals to retirees and business owners.

Award-Winning Curriculum

Recipient of the 2021 Excellence in Financial Education Award from the Hong Kong Financial Education Council and recognized by the South China Morning Post as "Hong Kong's Most Innovative Financial Educator" in 2022.

97% Satisfaction Rate

Our post-course surveys consistently show that 97% of students rate our programs as "excellent" or "very good" and would recommend our courses to friends and family.

Key Partnerships

We've established educational partnerships with 5 major Hong Kong universities and 12 leading financial institutions to provide specialized workshops and guest lectures.

What Our Students Say

The real measure of our success is the positive impact we've had on our students' financial lives. Here are just a few stories from our graduates:

"As a small business owner in Hong Kong, I was always focused on operations rather than financial strategy. The Tax Optimization course opened my eyes to legitimate ways I could improve my business's financial efficiency. Within six months of implementing what I learned, I saved over HK$120,000 in unnecessary tax expenses while ensuring full compliance with all regulations."

William Chan, Restaurant Owner

"I arrived in Hong Kong as an expat two years ago and was completely lost when it came to local investment options and retirement planning. The Expat Financial Planning course provided exactly what I needed—clear, actionable advice tailored to my unique situation. The instructors were incredibly knowledgeable and patient with all my questions. I now have a solid investment portfolio and clear retirement strategy."

Rebecca Wong, Marketing Director

"After 30 years in engineering, I was approaching retirement with anxiety about whether I had saved enough. The Retirement Planning course helped me understand exactly where I stood financially and what steps I needed to take. The personalized attention was remarkable—they actually reviewed my entire financial situation and created a custom plan. Three years later, I'm enjoying retirement with complete financial peace of mind."

David Zhang, Retired Engineer

Our Learning Environment

We believe that the environment in which you learn plays a crucial role in your educational experience. Our state-of-the-art facilities in Central Hong Kong are designed to foster collaboration, engagement, and practical application of financial concepts.