About Me
I’m Bing Bonnie Liu, founder of C COM Solutions. I help families, self-employed professionals, and business owners make financial decisions that hold up, not just on clear days, but when life changes.
I trained as an aircraft design engineer. In that world, every structure is built with a safety factor: extra strength for conditions it may never meet. I still plan that way.
My path into finance ran through large-scale bidding projects in Shenzhen, my first stock purchase in 1992, and studies toward a second degree in international finance, because I wanted to understand the system rather than rely on luck. Since coming to Canada in 2000, I’ve spent more than twenty years in residential, private, and commercial lending, often on files the big banks had turned down.
Over time, I saw that a mortgage is only one piece of a family’s finances. Today I bring mortgage, insurance, investment, and retirement planning together, so you can see the whole picture and act while the choice is still yours.
SEE COMING. FIND SOLUTIONS.
Bing Bonnie Liu
Financial & Wealth Planning
My Story
The Road That Brought Me Here
01
Margin for the Storm That Hasn’t Come
In university, I studied aircraft design and manufacturing.
The phrase our professors repeated more than any other was safety factor: building extra strength into every structural calculation, for conditions you might never, in a lifetime, actually meet.
A plane isn’t reliable because it flies well on a clear day. It’s reliable because, long before the storm arrives, it’s already built to survive one.
I didn’t know it then, but that idea would become, years later, how I think about wealth.
02
The First Time I Saw What Money Could Be
After graduation I worked as an engineer, then moved south to Shenzhen, just across the border from Hong Kong, where I joined a publicly listed company and worked on large-scale bidding projects.
Bidding taught me something else: behind every quote is a chain of judgment calls about needs, conditions, risk, competitors, and timing. The number on the page is rarely the real question.
In 1991, I took a five-day course on stocks, just as China’s capital markets were getting off the ground.
Those five days changed how I saw money. A company could raise capital from complete strangers. An ordinary person didn’t have to just park cash in a bank. They could hand it to a business and grow alongside it.
Money, it turned out, wasn’t only something you stored. It could move. It could become productive capacity. It could connect strangers to each other.
In 1992, I bought my first stock. The next few years were good to me.
But it was exactly then, making money at a young age, that I started to feel uneasy. I kept asking myself: how much of this was judgment, and how much was luck?
Curiosity and instinct can get you started. They can’t carry you the whole way.
I didn’t want to wake up one day and lose, through my own lack of skill, what luck alone had given me.
So in 1993, alongside my job, I enrolled in a university program in international finance. What I wanted to understand was no longer whether one stock would rise, but how an entire financial system actually works.
03
What an Unfinished Degree Taught Me
In 1995, I started my own company. By 1996 the projects kept multiplying, the travel kept piling up, and the coursework simply stopped fitting into my life. I never finished that second degree.
Looking back now, I don’t think of that chapter as incomplete.
A diploma ends on a given day. A habit stays with you for life: the habit of digging into the logic behind anything that truly matters, instead of deciding on feel.
Life rarely follows the plan. But the places where the plan breaks are often exactly where something more valuable than the plan gets left behind.
04
Starting Over in Canada
In 2000, I moved to Canada.
There was no single reason I had to go. I just wanted to see more of the world, and I didn’t want my thinking to stay bound by what I already knew.
The limits of what you understand shouldn’t become the limits of your life.
Starting over wasn’t easy. Past experience didn’t transfer cleanly; a lot had to be relearned from zero. But I slowly realized that what actually crosses an ocean with you isn’t your résumé. It’s the way you think through a problem.
05
Questions With No Right Answer
Eventually I moved into lending, and stayed there for more than twenty years.
I’ve worked residential, private, and commercial financing for the self-employed, business owners, and investors, and taken on more than my share of files with messy income, tight timelines, or a flat no from the big banks.
Over the years, I got used to a different kind of problem: not the ones with a textbook answer, but the ones without one.
The method wasn’t so different from engineering, or bidding: take the problem apart, find the real cause, then find a way through.
But the longer I did this work, the more I saw what sat just outside the frame of a loan.
A mortgage is only one slice of a family’s financial life. Behind it are bigger questions: What happens if the income stops? What happens if health changes? How many more years of responsibility for the kids? Where does retirement income come from? Who eventually inherits what’s been built?
What clients actually need is rarely a product. It’s someone willing to sit with them and look at the whole picture.
So I moved into insurance, investment planning, retirement, and wealth planning. Not to sell more things, but because I didn’t want to keep seeing only one corner of the problem.
06
A Lesson About Choice
Years ago I knew a single mother. Young kids, an aging parent, and one income holding the whole household together. She had little savings and no passive income.
I could see it clearly: what this family couldn’t survive wasn’t a slightly lower investment return. It was that one income disappearing overnight.
I suggested, more than once, that she add some protection. She wasn’t eager. Later, for health reasons, she became uninsurable for an individual policy. All we could do was add what coverage we could through her group plan.
Two years later, she died in an accident.
That policy couldn’t undo what happened. But it kept a roof over the family’s head, and it bought her mother and her children a little time to find their footing again, at the hardest possible moment.
That was when I truly understood:
Insurance isn’t about predicting tragedy. It’s about preserving a choice for the future, precisely because we can’t predict it.
And a choice has an expiry date. It only exists before something happens.
07
Foresight, Not Forecast
So today, I call what I do foresight.
I’ve never believed anyone can predict the future. Foresight is something else entirely: seeing possibility before it arrives, understanding a risk before it lands, and making a decision while you still have one to make.
Retirement isn’t something to think about at sixty. Risk isn’t something you deal with after it happens. A legacy isn’t something you plan after you’re gone.
That is the idea behind C COM Solutions:
SEE COMING. FIND SOLUTIONS.
See what’s ahead, and act while the choice is still yours.
08
Looking Back
From aircraft to bids. From stocks to international finance. From Shenzhen to Canada. From lending to insurance, investing, and wealth planning.
On paper, it looks like a lot of different roads. In truth, I’ve been doing the same thing the whole time:
Face the complexity, see it clearly, then find a way through.
When I think back now to that safety factor from university, I understand it was never really about airplanes.
A family, a career, a life: all of them need a little margin built in, for the things that may never happen. You prepare on the clear days, so you don’t have to panic when the storm comes.
The real meaning of wealth isn’t how much you have. It’s whether, at the moments that matter most, you still have a choice.
There’s a line I’ve always loved:
Be a light, because you never know who might find their way out of the dark by it.
I don’t know how many more people I’ll meet, or which ordinary conversation might change a family’s course. But I intend to keep learning, keep working to see complicated things clearly, and, where I can, to be that light for someone.
This is the road that brought me here, and the one I still want to keep walking.
— Bing Bonnie Liu