I joined the financial industry immediately upon graduation from Nanyang Technological University in Accountancy (with Honours) in 2015 as I knew what I wanted to do back then, and was motivated by my past family experiences. I came from a humble background with my father working as a construction worker and my mother as a housewife taking care of 2 kids. Unfortunately, my dad passed away due to brain cancer when I was 14 years old. He did not have any insurance to cover his medical bills and passed away with huge debts — you could imagine how tough life was back then. I had to work part-time jobs to support myself and my mother had to find a job immediately to support us through university. Since she is not highly educated, she chose to work as a cleaner.
It’s been more than 10 years and since then, she has saved every penny to support my younger sister and me through university. I am so grateful for that; without my mother supporting me in university, I wouldn’t be where I am today. Thankfully, due to this experience, I knew of the importance of insurance and having proper financial planning to save for rainy days and future milestones. More importantly, I learnt about how crucial it is to find the right advisor to work with to plan for the future and be there for you when unfortunate circumstances happen.
I want to educate the people around me on the importance of financial planning.
I have never entered the corporate world as I do not want to be stuck in a rat race without finding any meaning or purpose in life. I wanted to do something that is meaningful and purposeful to impact the people around me. Due to my past family experiences, I want to educate the people around me on the importance of holistic financial planning with proper insurance and savings/investments in place to reach their goals, yet at the same time, not be financially burdened by debts upon the demise of loved ones. I do not want them to be in a similar situation as my family back then.
This career is never for yourself.
My objective of joining this career is never for myself, but for my loved ones. Money isn’t everything, rather it’s how you utilise the money that matters the most. My clients are my source of strength because they are those who believe and trust their entire life journey with me. Being able to see them reach their milestones in life keeps me motivated as a financial consultant. Even the little things, like them showing their appreciation for my services through texts and calls, never fail to touch my heart. That is really what keeps me going as a financial consultant.
Be self-driven, and have a helping heart.
These are 2 important traits that I look for in a financial consultant. Success doesn’t just find you. You have to go out and get it. Being self-driven is important because no matter how many encouragements you receive from friends and family, you are the one who decides what you want to achieve in life and nobody can force you. Secondly, having a helping heart is what makes you last in this industry as I believe selfless giving is the art of living. He who serves the most reaps the most. If you help others with what they want to achieve in life, others will help you too. Keep giving, keep serving, and keep value-adding to the people around you. You are in this world for a reason.
Find a purpose and meaning in your life.
If I could give a word of advice to new financial consultants, I will advise them to find a purpose and meaning in their life. You can be doing it for family, income, career progression, or impact that you can give to people. There are definitely ups and downs in this career, and during the downs, it’s the purpose and your reasons to serve that will keep you going.