I joined the financial services upon graduation from Nanyang Technological University. Despite holding both a Bachelor’s and a Master’s in Engineering, I rejected the opportunity to pursue my PhD at the Imperial College, London and chose to become a financial consultant instead. I am proud to be part of the AIA family and my accolades include being a member of the Million Dollar Round Table (MDRT) and receiving the International Dragon Award (IDA). I look forward to the future and to leading a sizable team with highly talented financial consultants as we continue to bring forth a positive impact on the lives of our fellow men.


Self-belief and the desire for success.

These are the key drivers that keep me motivated as a financial consultant. Aside from being a financial consultant, I also play the role of friend and counsellor to my clients.


Honesty is my biggest strength.

As a financial consultant, I handle clients’ money and having my clients’ trust in me is of utmost importance, allowing me to do my best job for them.


Placing yourself in my clients’ shoes.

Whenever I do financial planning for my clients, I always place myself in their situation. This is my biggest Unique Selling Point as they know that the plans that I recommend to them would be the very same plans that I will recommend for myself.


My proudest career achievement.

Earning the 100 IDA in 2018 is one of my proudest achievements in my journey so far. Being part of the 1st agency in Singapore to achieve this accolade and to be able to put Singapore and AIA Singapore into 100 IDA teams in the Asia Pacific region is not an easy feat, and everyone in AAG put our minds and effort into creating this historical moment.


Million Dollar Round Table Organisation (Emerald) 2021

Million Dollar Round Table Organisation (Sapphire) 2020

AIA FA Pinnacle Club (Gold Organisation) 2024 and 2022

AIA FA Pinnacle Club (Organisation) 2023 and 2020

AIA High Net Worth Prestige Club (Executive Director) 2022

International Dragon Award – Gold Dragon Award (Manager Category) 2024 and 2022

International Dragon Award – Silver Dragon Award (Manager Category) 2023

100 IDA Team Award 2024, 2023, 2022 and 2020

Top of the Table 2022

International Dragon Award – Bronze Dragon Award (Agent Category) 2020

Million Dollar Round Table 2020

Certified Financial Planner (CFPTM)

Bachelor of Engineering (Hons) in Mechanical Engineering



Terence has always been generous in sharing his knowledge. He takes the time to not only understand my financial needs, but to also understand the stage of life I’m at, as well as my family background to better triangulate what my needs are, so that he can recommend me products that would be most suitable. Above all, I appreciate his promptness in providing the necessary support and follow up. When my dad passed away, he was quick to check in on how I was coping and provided whatever support my family needed. During the period of mourning, he made sure that I did not have to worry about any matters concerning insurance so that my family’s focus could be on what really matters


Terence is passionate about his work and we are extremely grateful to him for his sound financial advice for more than twenty years. He cares genuinely about our interests and not just about selling products. He is extremely trustworthy in times of need and is very experienced in this field. We know whoever is his client will be well taken care of!


I am absolutely delighted with Terence Chiem’s financial services. It is really refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances and preferences. What really impressed me was the way he took the time to get a feeling of where I was at, his depth of knowledge, lateral thinking and his common sense approach. His professional, ethical and caring demeanour elicits my trust and respect and I gladly recommend his services whenever possible.


Terence is a very passionate and dedicated financial planner. He has been serving me and my family for the past 15 years. He is reliable and we can always count on him for advice in times of need. We are grateful to be under his care!


I would like to express my thanks for the expertise and attention which you have done over the past years. You have handled my queries on financial matters truthfully and patiently. Hope you continue the good work and assist even more clients in their financial planning

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