Right after university, I was working as a marketing executive before I was introduced to AAG and the financial advisory industry. A dear friend of mine invited me to a career exploratory event, and the interaction with the people there changed my perspectives and understanding of the industry altogether. I eventually realised that being a financial consultant aligns with my values and aspirations, and with that, I embarked on this career 6 years ago!

Find your reason to go on.
My parents are my motivation. I’m very thankful to have supportive parents since the first day of my financial consulting career, and I’m grateful that being in this industry allows me to take better care of them as the eldest daughter. As the saying goes, the speed of our success has to be faster than the speed our parents are ageing.

Everything has a time and place.
Knowing that we as individuals grow as we brave through different experiences in life, I’ve also come to realise and reinforce that everything has a time and place, and anything great is built over time, bit by bit, with a strong core and foundation. Similarly, our financial portfolios are also built based on our evolving needs through different stages in our life. With the wisdom and knowledge I’ve gained from this line of work, I hope to impact the lives of as many people as possible, be it my loved ones, friends, colleagues, clients or my clients’ families and friends. I hope that those whose lives crossed mine will feel happy, inspired, and well-protected through the meaningful relationships that we build over time.

Stay humble and work hard.
To succeed in this industry, visualise for yourself how this career could align with your goals and aspirations. Think about what kind of advisor you would want to have, and what you can do to be that person. Most importantly, stay humble and work hard so that you can determine your own growth! Be a listening ear, a helping hand, and have the heart to connect, relate and build meaningful friendships with!


AIA FA Prestige Titanium Club 2022 and 2021

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

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

100 IDA Team Award 2021

Bachelor of Science in Business Management with Communications (Honours)

Financial Needs Analysis and Plan Construction (Cert FPC)



Sin Joo is my first and only agent that manages my insurance and portfolio. I reached out to her around 4 years ago after seeing how committed she is in her field and I feel that I have never regretted my decision. She also looks after my mum’s and boyfriend’s insurance and I highly recommend her because she always go the extra mile for us. She is always patient and very responsive to us when we have any questions that we are unsure of. I highly recommend Sin Joo and she’s the best agent that I have met for sure!


Sin Joo has been me and my wife’s financial advisor for the past 3 years. What sets her apart is that she connects with her clients on a personal level and makes us feel very comfortable. Besides insurance, we can talk freely about other things and she’s there to listen to our concerns. She is always contactable and can settle everything for us, be it to research on information or to do claims, making it simple and hassle-free for us.  Because of that, I also introduced her to my parents and brother so that she can have a holistic view of my family’s insurance coverage. Through that, she was able to see what we are lacking of or have too much of and help us adjust accordingly. She also review our portfolio annually and recommend what we might need as we go through different phases in life. That’s why I think Sin Joo is a very good financial advisor. Keep it up and we hope to be working with her for a very long time!

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