About me
Having witnessed firsthand the challenges faced by our community, especially when it comes to navigating financial options, I am driven by a deep commitment to make a difference. Many individuals and families struggle not because of a lack of effort, but due to language barriers and cultural differences that limit their access to the right financial solutions.
As a financial representative, my mission is to bridge these gaps and provide tailored financial guidance at every stage of life. My goal is to help people discover the right products and strategies that align with their unique needs and aspirations. Whether you're planning for retirement, saving for your child's education, or managing day-to-day finances, I am here to offer you the support and guidance you deserve.
Together, we can develop a personalized plan that can help empower you to achieve your financial goals, ensuring you and your family can obtain a secure and prosperous future.
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
Get to know my dedicated team
Each of us are committed to providing exceptional service. If you need to schedule an appointment, request service, or have a question about a policy or account, please don't hesitate to contact us.
Get to know my dedicated Network of Specialists
Through Northwestern Mutual, I have access to a Network of Specialists. We help each other, share ideas and common values, and leverage each other's talents to help you achieve your personal dream of financial security.
Chai Pan Ngai
CFP®
Financial Advisor
We help founders, business owners, and highly skilled income earners with tailored plans that fit their needs, goals, and ultimate vision. The complexity of planning and integrating the different pieces that fits in your financial planning puzzle is where we find the most joy in our work. You are 1 in 400 trillion, truly unique, and so should your financial plan be.
Rick Hu
B.S., CLTC®, RICP®
CEO and Founder
I aim to be a strategic partner who can help you achieve your goals. The best part of my job is working closely with individuals, families and business owners to develop plans that provide structure to their financial lives. After developing an understanding of who you are and what you want, we will work together to provide a clear vision for your future.