Home Team
Chan Heng Fai
Mr. Chan is a global business expert with over 40 years of experience in banking and finance. He has restructured 35 companies in various industries.

Some of the remarkable companies that he has built, rescued or transformed include American Pacific Bank (USA), China Gas Holdings Limited and Heng Fai Enterprises Limited both (listed on The Stock Exchange of Hong Kong), Global Med Technologies, Inc. (U.S. medical software company exited for US$60 million), Singhaiyi Group Ltd (listed on the Singapore Exchange). Mr. Chan is currently the Managing Chairman of HKSE-listed Heng Fai Enterprises Limited and is responsible for its overall business development.

Seeing the outstanding products, rich legacy and unlimited potential of RBC Life, Mr. Chan acquired the company in the fall of 2019. He is deeply committed to ensuring that the legacy of Mr. Howard and the quality of our nutritional products remain intact as he guides us into the future as the signature wellness brand of HWH World.
Vincent Lum
Mr. Lum oversees the global business operations of HWH World including sales, marketing, and operations. Mr. Lum has extensive experience in the IT industry, the consumer electronics market, and with product development and strategic marketing spanning the past 25 years.

Mr Lum is an executive management team member of DSS Inc and he is also the President, DSS Digital Group. His many accomplishments including the role of CEO for HotApp International, an e-commerce platform based on mobile applications. He was also the CEO of Vitop, Ltd. where he managed all business aspects for their Wellness and Healthcare division. Mr. Lum has also served as key management positions in multinational corporation such as Datacraft Asia, Johnson Controls and Apple. He is excited to use his wealth of knowledge and experience to grow HWH World into a thriving international wellness company.
Janine Avila
Vice President Field Operations
Janine was instrumental in the early growth of RBC Life and has previously worked alongside members of RBC’s management team and board of directors including, Steve Brown, Andrew Howard and Clinton Howard. She is one of the few industry executives who has successful experience as a top performer both as a field leader and a corporate executive with more than 20 years of corporate experience in management of field operations. She is well known in the Direct Selling and Network Marketing industry for her ability to relate to field leaders and implement programs and systems at the corporate level that improve the customer and affiliate experience.
Andrew Stuber
Vice President of International Operations
After years in the financial services sector, Andrew left his Honolulu-based firm and entered the Direct Sales Industry. With 14 years of direct experience in the industry, Andrew has been a top global distributor with teams in more than 50 countries, as well as serving as an industry consultant specializing in Asia. A student of Korea, Andrew studied and learned to speak fluent Korean and has a deep respect and love for its history and culture.
Dr. Carolyn Rachaner
Vice President of Product Marketing
Carolyn has worked with RBC Life for many years teaching Members about the benefits of our unique product line. She holds a degree in Dietetics, a Doctorate in Traditional Naturopathy, and a certificate of Applied Clinical Nutrition. Throughout her career, Carolyn has run a successful nutrition consulting practice, written many articles about health and nutrition, and traveled the world teaching people about the value of supplementation. She loves studying the science behind nutrition, and she leads our team in creating and marketing the highest quality supplements available.
Justin Boyd
IT Systems Administrator
Justin began working in IT over 8 years ago after a successful career in professional rugby with the USA Eagles. Having always had a passion for computers, he attended Texas A&M University, studying IT management. After working for a few years with a small local company, he branched out on his own, starting Precision IT Solutions, Inc. Justin is known to his clients as someone who gets things done quickly and efficiently and always puts the clients’ best interest first. Justin resides in San Diego, CA with his wife Kirstin and dog Gomaz.