Growing up in a family of 5 as a middle child, I lost my dad when I was still in my teenage years during one of his business trips. Without proper financial advice, my dad did not have any coverage for himself and so overnight, my mum became the family’s sole breadwinner. I witnessed how my mum struggled emotionally and financially to bring up her 3 schooling-age kids with all her available resources. It was truly one of the toughest and most traumatic periods in my life, where every night for a few years, I could hear my mum cry past midnight. The sudden demise of my dad changed my outlook on life as I felt a greater sense of responsibility to shoulder some of my mum’s load and also it made me understand how important it was to be financially self-sufficient and independent as early as I can be. Upon my graduation from university with a major in finance, this was my first job.

Making a difference to others
My own experience showed me the true purpose of life insurance is that you don’t buy life insurance because you are going to die, but because those you love are going to live. No family deserves to experience the same predicament and I want to play a vital role in making a difference to be able to emphasise the importance of having financial planning.

Embracing change to remain relevant
Like any other job, my past 8 years in the industry is not all smooth sailing, rather it comes with its own set of challenges but thankfully I met many kind mentors and clients along the way who gave me opportunities and also impart much valuable life experiences to me. An industry veteran once told me in my early days that this business is the ‘survival of the fittest, and to always embrace changes to remain relevant: adapt or die’. 8 years and counting, I am glad to have served and crossed paths with more than 400 families.

Being accountable and responsible
I feel that a good agent should have high emotional intelligence, which includes listening and empathising with clients on a deeper level to discern what they really want and need. This involves being tactful even in difficult conversations or situations in order to help clients see the financial reality clearly. In this client-centric business, apart from having integrity and honesty, good customer service is the foundation that builds respect and trust between an agent and a client and this ensures a long-lasting relationship. Besides all, what I feel truly sets a good and a great agent apart is the accountability, to always be responsive & to be present to their clients during both pre and post-sales especially when claims arise. Treat others as we would like to be treated. After all, happy clients are the best advertising that money cannot buy.


Top 60 – Top Financial Consultant Award 2020 (Ranking 56th)
AIA FA Prestige Club (Titanium) 2024, 2023 and 2022

AIA High Net Worth Prestige Club (Personal Wealth Manager) 2024, 2023 and 2022

AIA FA Prestige Club (Platinum) 2021

Million Dollar Round Table 2024, 2023, 2022 and 2021

International Dragon Award – Bronze Dragon Award (Agent Category) 2024, 2023, 2022 and 2021

100 IDA Team Award 2024, 2023, 2022 and 2021

Bachelor of Business in Banking and Finance

Associate Wealth Planner (AWPCM)

Associate Estate Planning Practitioner (AEPP®️)

Financial Needs Analysis and Plan Construction (Cert FPC)


Lim Mong Song, Constituency Manager, People's Association

Wendy has always been very professional in her service and has strong product knowledge to be able to advise the product that suits my financial needs accordingly. She is very patient and attentive in assisting me not just pertaining to my financial portfolio but in all other matters whenever I need her help. She will always update me timely on useful information and also share the current market direction in order to help me achieve my financial goals.

Lim Jit Chik, Senior Executive Loss Adjuster, FortisCor Adjusters Pte Ltd

It all started with a cold call at my residence more than 6 years ago. Wendy’s genuine and honest approach led to the purchase of my first policy. After several transactions, I can say that our relationship has developed into one that I consider a close friend rather than the typical agent and customer. I am always assured that my family’s insurance needs will be met. Wendy’s professionalism and service standard is nothing short of amazing. In fact, I will give her a 6-star rating!

Philip Pang & Tan Poh Lay, Chief Financial Officer, ESA Pte. Ltd.

We have known Wendy since 2018 and we are happy to share our experience of working with Wendy. Wendy embodies all the essential qualities of a client-centric financial consultant. She is genuine, trustworthy and cares for all her clients, young and old. We have met many different financial consultants; the new ones invariably highlight the benefits of their company’s products without any context while the seasoned consultants tend to be unconsciously condescending and they like to tell you what is good for you. The striking difference with Wendy is that she listens to you! Only after she understands our needs, will she then seek out the best available solutions for us. Wendy is remarkably competent in her domain expertise and her unique skill is her ability to develop optimal solutions by leveraging her product knowledge with her understanding of her clients’ needs. The most striking and enduring takeaway from our working with Wendy is her sincere and caring demeanour. She addresses all of our enquiries promptly and we have never once felt pressured to “buy for the sake of buying”. For anyone seeking assistance with lifetime financial planning, we recommend Wendy without any reservations!

Jesmond Wong, Senior Laboratory Technician

During the covid 19 period, I started some investments with Wendy, whenever we have differing opinions on the market outlook, Wendy will always patiently explain to me with her professional analysis and knowledge and will advise me to observe more and not rush into any decisions. I am very pleased with the way she deals with her clients, with respect and also professionalism. Over the years, she has proven herself to be more than an agent, but a close friend and someone genuine who I can count on. I am so glad and grateful to have met her. Giving her an opportunity 8 years ago over her cold call was something that I will never regret.

Josephine Kung, Customer Quality Executive, Lvmh Fragrances & Cosmetics (Singapore) Pte Ltd

My experience with Wendy has been extremely pleasant thus far. Wendy is very approachable and comfortable to work with. When I am in doubt, Wendy shows the initiative to further explain any of my enquires. The policies that she recommended to me are personalised to my needs and financial means. Wendy always goes the extra mile to ensure that information presented is crystal clear and easy to digest. The overall experience has been nothing short of amazing!

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