Pension Maxima Investment Advisory, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$2,400,000
Clients
9
Advisors
3
across 2 offices
About
Pension Maxima serves pension, profit‑sharing and 401(k) plan sponsors as well as individual clients, providing pension consulting, financial planning, model portfolio management, and a manager‑of‑managers service. The firm focuses on plan‑level advisory work and delivers recommendations and oversight rather than acting as the primary trading agent for most accounts, with most client assets managed on a non‑discretionary basis.
Its process centers on developing written investment policy statements, selecting mutual‑fund lineups to implement those IPSs, and periodically reviewing model portfolios and third‑party asset managers. The firm also provides participant education and investment workshops for self‑directed plan participants under ERISA guidance and conducts ongoing monitoring of recommended managers and model portfolios.
Notable distinctions include routine participant seminars and workshops, staff who act as licensed insurance agents, and related activities such as licensing and financial‑wellness instruction and tax‑planning services that create additional referral and compensation relationships. These relationships and potential conflicts are disclosed in the brochure, and the firm describes procedures for documenting suitability, disclosing referral arrangements, and attempting to mitigate conflicts through fiduciary practices.
Client services
Expertise
Fee options
Financial Planning fixed fees: Comprehensive Plan $2,000, Basic Financial/Retirement Plan $575, Social Security Analysis $175, Medical/Healthcare Planning $275, College Planning $275, Income Distribution $575, Charitable Giving/Estate Planning $1,200, Annual Updates $975; Pension Consulting One-time set-up fee $1,500; Model Portfolio one-time set-up fee (negotiable)
$0 - $200,000: 0.50% $200,001 - $350,000: 0.50% $350,001 - $600,000: 0.50% $600,001 - $1,000,000: 0.50% $1,000,001 - $5,000,000: 0.25%-0.50% $5,000,000+: Negotiable Under $100,000 - $100,000: 1.50% $100,000 - $250,000: 1.25% $250,000 - $500,000: 1.10% $500,000 - $1,000,000: 1.00% Over $1,000,000+: 0.85% $0+: 1.0% (Model Portfolio Management)
Financial Planning: $200/hour; Consulting Services: $350 to $750/hour
Minimum fee: $500 minimum on Customized Platform asset management fees under $100,000 Fee-only: Financial Planning fixed fees from $175 to $2,000; hourly fee $200/hour; Consulting hourly fees $350-$750/hour; Set-up fee $1,500 one-time for Pension Consulting; one-time set-up fee for Model Portfolio Management (negotiable)
Main office
See officeWhite Plains NY
Advisors at this office
2
Most active in
California · New York
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Peter Y
Series 63, Series 65
White Plains, NY
Pension Maxima Investment Advisory, Inc.
Peter Yam is a financial advisor at Pension Maxima Investment Advisory, Inc. with two years of industry experience. He previously worked at OCBC Bank for eight years and was retired for three years before joining his current firm. Pension Maxima primarily serves pension, profit-sharing, and 401(k) plan sponsors and participants, as well as individual clients. The firm provides pension consulting, financial planning, model portfolio recommendations, and a manager-of-managers program, focusing mainly on non-discretionary advisory services and educational workshops for retirement plan participants.
Kai Leung C
CFA®, Series 66
San Jose, CA
Pension Maxima Investment Advisory, Inc.
Kai Leung Cheung is a CFA® charterholder and holds a Series 66 license, with 12 years of industry experience. He currently works at Pension Maxima Investment Advisory, Inc. and previously held roles at Sand Hill Real Estate and Investment, Inc. and Manphil Mortgage & Realty. Outside of his advisory work, he is involved as a mortgage loan originator and realtor/broker, as well as an insurance agent. Pension Maxima serves pension, profit-sharing, and 401(k) plan sponsors along with individual clients, focusing on plan-level advisory services including pension consulting, financial planning, and model portfolio management. The firm emphasizes developing written investment policy statements and selecting mutual fund lineups, while providing participant education and ongoing monitoring of managers and portfolios.
Bonnie Y
CFP®, CFA®, ChFC®, Series 66
White Plains, NY
Pension Maxima Investment Advisory, Inc.
Bonnie Yam is a CFP®, CFA®, and ChFC® with 18 years of experience in the financial industry. She has been with Pension Maxima Investment Advisory, Inc. since 2007 and is currently associated with Mi Lino Gato. Outside of advisory work, she provides financial wellness education through SUNY Westchester and operates a tax planning firm, Mi Lindo Gato, where she manages client inquiries and tax preparation services. Pension Maxima primarily serves pension, profit-sharing, and 401(k) plan sponsors and participants, as well as individual clients. The firm focuses on pension consulting, financial planning, model portfolio recommendations, and a manager-of-managers program, with an advisory practice that is largely non-discretionary.
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