HomeCompany overviewOur teamAnnette M. Houlihan

Annette M. Houlihan Co-Founder & CEO

Areas of expertise
  • Structured Income Strategies
  • Litigation Funding
  • HNW Client Advisory
  • Global Estate Planning
  • Private Credit
Education
  • ACCA, Accounts, University of Lancashire
  • HND, Business Studies, W R Tuson College

  • Senior Financial Analyst, Ernest Maude
  • Partner, Gladstone Morgan Limited
  • Parker Billham, Hong Kong

Annette M. Houlihan brings over 40 years of international financial services experience, advising high-net-worth expat investors across Hong Kong, Singapore, the UAE, the United Kingdom, North America, and Australia.

Built on Four Decades of Trust

Career Journey

Annette began her financial services career in the United Kingdom, working closely with clients on life insurance, pensions, and mortgages – building a strong foundation in protection planning and long-term financial security. In 1995, Annette relocated to Hong Kong, expanding her expertise to serve the growing expatriate community with accumulation strategies, disciplined savings, and comprehensive financial planning.

Global Expertise

As her client base grew worldwide, her advisory scope evolved to include sophisticated estate planning—ensuring clients’ wealth transfers seamlessly to the right heirs at the optimal time. For the past three years, her focus has sharpened on capital protection and retirement income, specializing in short-term, capital-protected notes that deliver stability amid market volatility.

Carey Suen Leadership

As founder of Carey Suen, Annette embodies clarity over complexity, protection over speculation, and relationships over transactions. Clients receive direct access to her personal expertise—no junior advisors or automated systems. Through tailored strategies, she helps safeguard and grow wealth beyond public market risks.

Direct. Personal. Uncomplicated.

  • Clarity Before Commitment No client proceeds without fully understanding the programme they are entering. Annette takes the time to walk through every term, every protection layer, and every question – before anything is signed.
  • No Pressure. Ever. The first conversation is always a consultation, not a sales call. If the product is not right for your situation, Annette will tell you.
  • Long-Term Relationships Most of Annette’s clients have been with her for years. The goal is not a single transaction – it is a financial relationship that evolves as your life does.

Contact me

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    Products

    + Black Label

    + Elite Diamond

    + X-90 Velocity

    Testimonials

    At $2.2 million across four tranches, the Black Label structure delivered $264,000 at each 90-day interval – consistent, predictable, and entirely outside of public markets. Annette manages this level of capital with the same personal attention she gave me when I first invested $50,000

    Donald Carmichael
    Retired - Hong Kong,

    Our team

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