I joined the financial advisory industry as an intern. Not fully understanding what being in the industry meant then, the internship provided many valuable insights into how it is a business that positively impacts the lives of people around us. Hence, I decided to kickstart my journey as a financial consultant even while studying accountancy at NTU. The decision to go full-time came when my mother discovered a tumour in her womb and had to undergo surgery that cost us $70,000. That was when I discovered that my family was not insured. This made me decide to provide professional, reliable planning for the people I cross paths with in my life.

A career that forges deep relationships.
Being a financial consultant has allowed me the time and energy to spend precious time with my family, and it has also fostered many deep relationships with the people I have met over the years.

Realise your potential to succeed.
The biggest challenge I’ve realised when recruiting new financial consultants is letting them see their potential to achieve success. As we work with variable income, many step into this business uncomfortable with not receiving a regular paycheck. As new consultants have little experience to witness the results they can achieve for themselves, it is important for mentors like us to provide the appropriate systems and platforms for them to realise their potential and keep going.

Have a heart for your clients.
All financial consultants should have a heart for their clients. We are in a position that allows us to provide a gateway of information tailored to their needs while acting as a friend, counsellor, and other roles that enable us to form strong bonds with.


AIA FA Prestige Club (Titanium) 2024 and 2023

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

AIA FA Prestige Club (Platinum) 2022

Million Dollar Round Table 2024, 2023 and 2022

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

100 IDA Team Award 2024, 2023 and 2022

Associate Financial Planner (AFPCM)

Institute of Banking and Finance Qualified (IBF Qualified)

Bachelor of Accountancy with a Minor in Entrepreneurship



I would first like to thank Ngooi Zhi Cheng for seeing me through this difficult hospitalization policy with me. Due to my health condition, I had difficulty applying for a hospitalization plan previously. However, Zhi Cheng was still willing to go through the whole application process in hope of getting it approved, despite the low probability. Zhi Cheng took it upon himself to understand more about my health condition and to find out the necessary documents which are required for the application of this policy. I am impressed by his professionalism and dedication in providing the help that I require. I was delighted when the policy was accepted with just exclusion for my existing health condition and no increased cost of the premium. I am also grateful to Zhi Cheng for encouraging me to give the policy a try and ultimately helping me to be protected. Aside from being someone to seek advice for insurance, Zhi Cheng is also a friend whom I exchange investments and savings ideas with as a trader with UBS. He also frequently shares seminars and other opportunities to learn more about personal finance. I have never felt pressured into signing up for a policy while communicating with Zhi Cheng, and he always put my interests and needs first. All in all, Zhi Cheng is a friend whom I can exchange ideas with and someone I can depend on for insurance advice and needs. I will not hesitate to recommend Zhi Cheng to anyone who required help with insurance or advice related to finance.


As a doctor with a busy work schedule, I never had the time to review my financial health and felt lost in terms of financial security. Zhi Cheng was extremely helpful and patient in understanding my needs and working out a suitable insurance plan for me. I have better clarity of my financial situation and definitely would recommend Zhi Cheng to anyone who is looking for an honest and approachable financial advisor!


Zhi Cheng performed a comprehensive analysis of my financial situation and extent of protection, and from there he advised me on strategies to make up for shortfalls and achieve my financial goals, down to specific places where I should put my money and how to manage my budget as a Lawyer He is knowledgeable and was able to respond to doubts and queries that I had. All in all, very professional

M. Arfan

Zhi Cheng has been very proactive in helping me sort out my finances! I can tell that he is genuinely looking out for my financial health and wellbeing while also taking into consideration that I am currently not earning much as a student. Knowing this, I feel that he puts across his recommendations and advice in bite-sized chunks for me to understand which really helps me grasp these concepts better while not feeling too overwhelmed.


Thank you Zhi Cheng for wanting to go through your analysis and suggestions for my financial portfolio even after I said I wasn’t planning to buy any insurance. I have learned much about what can be done to improve my financial health as an Auditor. You definitely provided customized solutions to what suited my needs/spending habits, and for caring more about my financial health rather than about what I would have bought. Thanks for being quite a different one from some I have met out there, all the best! 🙂

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