Never did I expect that an endeavour born from personal interest to learn more about financial planning would become a career for me that has lasted more than a decade and, still counting! Over the years, I have had the privilege to partner with my clients in their respective financial planning journeys and be with them in times of need. Without their trusted referrals and encouragement, I would not have been able to attain accolades such as Million Dollar Club (“MDC”) Gold, MDC Platinum and AIA Financial Advisers Prestige Platinum Club memberships and Million Dollar Round Table (MDRT).


Journeying through the seasons of life.

Being a former engineer, I love systematic planning and problem-solving. I like to pay close attention to individuals’ unique circumstances so as to tailor bespoke portfolio-planning strategies for them. I derive great satisfaction from seeing my clients reap the fruits of effective financial planning at different stages of their lives. I always look forward to celebrating their significant milestones with them. This can only happen as a result of a relentless commitment to building long-lasting relationships.


Beyond duty.

“Do unto others as you would have others do unto you.” I believe in taking the first step to do good to others with utmost sincerity. It is this passion for what I do that has motivated me to continually upgrade myself to provide value-added advice and support to my clients. In recent years, I have also honed my expertise in holistic estate planning to provide a full suite of financial planning services to my clients.


Financial education for all.

I am grateful for this career that allows me to meet people from all walks of life. Being an educator at heart (as an active volunteer and teacher in children and youth programs in Southeast Asia), I seek to simplify complex financial terms into easy-to-understand concepts. I hope that this can help clients improve their financial literacy and make informed financial decisions for their lives.


AIA Centurion Club 2024 and 2023

AIA High Net Worth Prestige Club (Personal Wealth Manager) 2024

AIA High Net Worth Prestige Club (Senior Personal Wealth Manager) 2023

AIA FA Prestige Club (Titanium) 2022 and 2021

AIA FA Prestige Club (Platinum) 2020

AIA Million Dollar Club Platinum 2019 and 2017

AIA Superstar Gold Club 2018

AIA Million Dollar Club Gold 2016

AIA Million Dollar Club Silver 2012 to 2015

AIA Million Dollar Club 2010

Million Dollar Table 2024, 2023, 2022 and 2021
Associate Financial Planner (AFPCM)

Associate Wealth Planner (AWPCM)

Associate Estate Planning Practitioner (AEPP®)

Financial Health Check Practitioner (FHCP)

Bachelor of Engineering (Hons)



Charis has been my AIA Advisor for more than ten years and her service has been nothing short of excellent. What distinguishes her from many others I have met is her ability to empathise, listening intently and genuine care for me. Over the years, she has been exhibiting such traits so sincerely and consistently in her interactions with me that she has become a trusted friend to me and my family.


Charis Cho has shown that she is a highly responsible, dedicated and trustworthy financial consultant. She is extremely knowledgeable about AIA’s policies and offers insightful as well as thoughtful advice. She is also patient in answering questions and clear as well as thorough in her explanations. Most importantly, Charis is approachable, genuine and thoughtful and adds a much appreciated personal touch in her interactions with me.


Charis is by far the best financial consultant that I know. Responsible, and most importantly, she truly cares about her clients and gives us sound advice. Which is also why I referred my entire family, friends and even colleagues to her.


Charis is not only my financial advisor but a friend. I remembered when my son was hospitalised, I wasn’t quite sure what to do. She could have assisted me via text or phone call but she rushed to the hospital in the middle of the night as soon as she saw my text. Her immediate responsive assistance made a scary situation bearable. She stayed with us till late to make sure we were ok. She also paid us a visit to check on my son. This is definitely service beyond the extra mile! Charis is genuine and warm hearted. I couldn’t be more thankful for this decade long relationship. Thank you for putting my mind at ease that if anything should happen, I can always count on you.


Charis has been someone we always count on, for her knowledge and experience in insurance coverage. She has supported us with valuable advice at various stages of our lives, from being young working adults to now, as parents of two children. When we have queries, she seeks to understand our concerns before providing the answers. When there are updates on our policies or new products that might benefit us, Charis would share the information with us promptly. She has also helped us minimise administration hassle by giving us clear and accurate instructions, especially when claims are to be made. We are truly thankful that our financial consultant is trustworthy, responsible and always available for our family in times of need.


I am writing to recommend Ms Charis. She has been helping us for a few years now, and she has always been helpful, competent, and responsible, while being ever friendly and patient. I have always been impressed and moved by how helpful she is, and how she responds to my messages or emails promptly. No matter what problem I may have, she will try to fix it. She is polite, professional, responsible and provides excellent services. I have always received outstanding services from Ms Charis, and am grateful to have her for all my medical insurance needs, I really appreciate her diligent work every year to get us properly insured, it allows us to sleep well knowing we all are well protected. You really made the experience stress free and I’m so thankful to you for all your help.


Many years ago, when our previous insurance agent was planning to retire, he highly recommended Charis, and she became our agent. At that time, we were quite apprehensive of the change. But what impressed us most was her sincerity, the time and effort that she spent to get to know us and our needs before making her recommendations! Over the years, she has become more of a friend who has our best interest at heart; someone we can depend on!

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