Funnily enough, my current leader is someone I did freelance graphic design for. After a few months of working together, we eventually became good friends and she asked me to consider financial consulting as a career as she felt that it suited my character and ambitions. I decided to give this career a shot, and after a few months of shadowing and learning the scope of a financial consultant, I fell in love with the job and realised this was the perfect avenue for me to help others realise that managing our finances is more than simply trying to earn more money.

This is something I hold dear to me due to my personal experience from being in an “elite” school where so much emphasis was placed on the mindset that success in life simply meant earning a lot of money. I never subscribed to that and was constantly made to feel like I’m not worthy, even by the teachers. But I’m glad as it shaped me to be who I am today with the values that I have. Now, I strive to do my best in this career to provide holistic financial planning for my clients beyond them simply earning more money.

A career of continuous growth
Being a financial consultant always challenges me to push myself out of my comfort zone and to constantly seek growth which I love. Most importantly, I’m constantly reminded of the amazing friendships that I have built. I learn something from everyone I meet, whether or not they eventually become my client.

The importance of the personal touch
I strongly believe that succeeding in this business requires one to value relationships and the ‘people’ connection, as financial consulting is a people’s business after all. We have to be sincere and strive to deliver value beyond simply recommending the right products, as it is part of our job to also foster strong relationships and build trust.

Join with your hearts in the right place
It’s challenging to find people to join financial advisory with their hearts in the right place. Most recruitment strategies involve some form of money or material rewards, but I hope this will not end up attracting only people who want to join financial consulting for these material reasons. Personally, I want to build a team that is driven by factors more than money and is passionate about the right things.


AIA FA Prestige Platinum Club 2022

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

Million Dollar Round Table 2022

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

100 IDA Team Award 2022 and 2021

Diploma in Financial Planning (DPFP)

Certified Estate Planner (CES)

Cert. REAP (Retirement Adequacy Planning)

Mortgage Advisory Cert


Michelle Tan

As a previous FA myself, I’m very happy to have my policies handled by Esther; this is how much I trust her (over myself tbh!) to have MY best interests and to be efficient in handling my emergency needs and calls. Onward to being a new mum, I willingly approached Esther to help me out with my baby boy’s health plan as well as a maternity plan. Not only did she make sure to keep the planning within my budget, she even advise me not to overspend on getting too much coverage. She constantly checks in on me and my baby and even sends me care packages whenever I’m unwell. Talk about client servicing! I would highly recommend Esther to EVERYONE as she is highly competent and compassionate in what she does. I love that she focuses on helping to bridge any gaps in my financial health rather than pushing policies just to meet her sales goals. If I could describe her in 3 words they would be Genuine, Competent and Compassionate.

Lee Jia Pei

I really liked Esther as a financial advisor because she never pressured me to get anything and waited till I was ready. Prior to that, she ensured that I had the right financial knowledge, worked out my cash flow with me and always being there to answer any of my queries. She also spent an incredible amount of time ensuring that we were well-taken care of and picked her gifts thoughtfully. If I can use a word to describe Esther, that would be down-to-earth and sincere, and I am grateful to have her as my financial advisor!

Theola Imre Neo

Esther is extremely genuine and sincere in wanting to help her friends and clients. When we first met, she made it clear that her priority was to provide my friends and me with a deeper understanding of our finances and lifestyle before anything else. Since we were just fresh poly grads then, we were super clueless and uneducated about many responsibilities that lay ahead of us. Esther gave us a very clear and detailed rundown and was very patient in clarifying whatever questions we had. She is very reassuring and she respects our needs, wants and concerns. My mum and I are very comfortable in sharing and trusting our finances with her because she always takes our situations into consideration and provides us with multiple personalized solutions to consider.

Asline Xu

I have always known that financial planning is important, but I didn’t know to what extent and didn’t know where to start. Esther took the time to teach me from the start, including checking my current policies (even from other companies) to ensure that I don’t have any coverage duplicates and helped me build a solid foundation so that I can proceed to the next stage. She ensures that my financial situation is sustainable for the long run before recommending me any policies. This is the difference between Esther and other financial advisors as I have met a few other financial advisors who were quite pushy. 10/10 recommend, thanks, Esther!

Stephanie Tan

Esther has been my FA for over a year now, and I would say she really cares for her clients. My financial literacy has definitely gotten better thanks to her patience and detailed explanations. She is very detailed and meticulous and checks in on me and my cash flow. I’m very wary of people who try to hard-sell me, but Esther doesn’t do that; she will only recommend policies that will best benefit you based on your financial profile. I feel like I’m in good hands with Esther, and would strongly recommend her as your FA!

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