Most people consider wealth management in terms of professional financial concepts such as knowledge in investment and finance, property and debt management etc. However, issues such as ethics, personal character and its relation to destiny in wealth are often overlooked. These aspects are actually critical for making decisions in investment plan and purchasing financial products. The personal characters and destiny in wealth vary from one person to another , so are the needs for investment or financial product. Without taking these elements into account, proper choices of products and investment strategy can hardly be made in this post-tsunami era.