Dr. Charles was born in Penang, Malaysia, and holds a Master in Finance from the University of California, Berkeley, and a Ph.D. in Management from MIT. He has served as a finance lecturer at UC Berkeley and held senior positions at institutions such as the American Anfu Institute for Financial Engineering and Freddie Mac, focusing on financial risk analysis and modeling. In recent years, he has been a senior advisor for multinational banks in Hong Kong and actively participated in financial strategies for emerging markets. Upon returning to Malaysia, he is working on writing investment theories to help investors better understand market trends and investment decisions.
