I was trained in Engineering and began my career journey as an assistant engineer. But the best thing that ever happened to me was to engineer a career switch to becoming a financial consultant with AIA. Why? Because I found instant fulfilment and a greater sense of purpose. Being able to make a difference in the lives of my clients also inspired me to make a difference in mine. And I’ve been extremely fulfilled for the past 20 years. This journey has rewarded me with various validations of my switch: I took on the Director role in 2007, am currently a member of the Pinnacle Club 2012 – 2019, and a 2nd runner-up FSM 2017. But to me, the most rewarding part of my job is when I see my clients smile.

Keep true to your vision.
Life is dynamic, and we have no control over what will happen to us, or when will be the next emotional trigger. It has its way to present itself and it is totally fine to fall off the road, lose sight of the light and feel down. Having a vision and a clear direction of where I am going is what keeps me motivated in life.

Not just a Financial Consultant.
My clients have told me that they see me as a friend, confidant, counsellor, and to some, a sister. I cherish this trust they have in me. Some even call me their personal walking glossary, coming to me to explain financial and insurance terms to help them understand and make important decisions. On special occasions, I am also their personal baker who delivers freshly made treats! I revel in all these roles because life is never one dimensional, and we all connect on multiple levels at different times.

Overcoming difficult situations.
I am genuine, sincere and relatable. And being myself have helped me forge deep relationships with my clients that are built on trust. My clients also know me as someone who listens, who is adept at resolving and overcoming difficult situations with a calming presence. I am proud that my clients were able to validate me through their continuous support and referrals to their families and friends.

Making a difference to my team.
Being a Financial Consultant is not a one man show. I also learnt how to lead and become a more complete person. Currently, I’m heading a team of financial consultants who achieved 2nd runner-up for the FSM Category in 2017. This remains one of the most gratifying moments in my journey so far. Because there was great teamwork, and I am heartened that each and everyone of my teammates made this possible.


Million Dollar Round Table Unit (Ruby) 2021

10th Runner-up, Top Senior Director 2020

5th Runner-up, Top Director 2019

2nd runner-up, Top Financial Services Manager 2017

9th runner-up, Top Financial Services Manager 2016

AIA FA Pinnacle Club (Unit) 2024 and 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2015, 2014 and 2013

AIA High Net Worth Prestige Club (Personal Wealth Manager) 2024 and 2022

AIA FA Prestige Club (Titanium) 2023

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

AIA High Net Worth Prestige Club (High Net Worth Financial Services Manager) 2018

AIA Million Dollar Club Silver 2013

AIA Million Dollar Club 2008, 2007, 2003 and 2002

Million Dollar Round Table 2023

Certified Financial Planner (CFP®)

Fortis Estate Planning Affiliate (FEPA)

IBF Qualified in Private Banking & Wealth Management



Karen has been looking after my entire family’s insurance and investment portfolio for 3 generations over the past 10 years, and with her around managing all of our needs in different stages of life, I always feel 100% assured that we are protected and secure.

The world of insurance is highly complex and constantly evolving. In this respect Karen makes sure I am always kept up-to-date with the latest offerings that may make a difference to my life, while always going the extra mile to explain the finer prints in detail, making the complex easily understandable and always putting me at ease.

She’s extremely personable, highly meticulous, and very responsive. She services with her heart, always putting her clients’ needs before commercial interest. The customer-before-self attitude is a truly rare quality in the financial advisory world and it’s also the key reason why I have been able to put all my trust in this rare gem of a consultant with all my heart.


Karen is the first person I would approach for any financial products. I have known Karen for over a decade, I requested her to take over from my previous agent and she did it without fuss.

Over the years, I have never once been disappointed when I approach Karen for financial advice. Her proposals and explanation are clear, with no overselling or hard selling of financial products.

When one is in need, she is always there to provide information and professional advice. She does not give advice which is convenient for herself, but advice that is the most relevant and important for me.


Karen is very dedicated in her work. She will only recommend what I need and what is within my financial means. She patiently clarifies my doubts on the myths about industry standards/practice. This shows that she takes pride in what she does and I trust her to manage my family’s portfolio.


Karen has been more like a friend for the past 10 years, she is quick to respond, responsible, and dependable. There has been a couple of times where I requested for her help with my claims, refunds, clarifications, etc. and she always comes back with an answer and results. She is always my single source of contact point, which makes me feel at ease.

Thanks Karen for all your advice, help, and friendship you have given across all these years.


I first met Karen at a traffic junction in West Coast while on the way to buy groceries in 2000. It’s been 20 years since I’ve known Karen and I bought my first AIA policy through her in 2001. She has been helpful and resourceful whenever I need help with buying new policies or making claims. She understands my needs and does not hard sell. She is a trusted consultant and I am satisfied with her many years of service.

Imelda Sng

Karen has been my financial advisor for more than a decade. She is very professional and a pleasure to work with. Always ready to answer my questions and quick to respond. Most importantly I can always count on her for my insurance needs. I don’t have to worry that she may join another company as she is very committed to her agency. I highly recommend her service and you can be assured that she has your best interest at heart.

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