I graduated from Nanyang Technological University’s Accountancy faculty (w Hons) and worked as an auditor with Ernst & Young for over two years upon graduation, and as a regulator with the Monetary Authority of Singapore (MAS) for four and a half years before making the career switch to financial consultant seven years ago.
I am a certified CFP, AEPP, IBF Qualified: Wealth Management, multiple Million Dollar Round Table (MDRT) qualifier, as well as multiple International Dragon Award (IDA) qualifier.
Maintaining your clients’ dignity.
Financial planning is a necessity to help our policyholders keep the dignity we should all have in times of need, and to help them enjoy a lifestyle of choice which they deserve after all the years of hard work they have put in. This is something new financial consultants should be fully aware of at all times in order to succeed in their roles in this industry.
Drawing inspiration from those around me.
My late boss in MAS is one of the greatest influences in my journey as a financial consultant. His unexpected death came as a shock to me and got me thinking about my own life, about what I hoped to achieve and to contribute to in my lifetime, and the kind of impact I wanted to make on people whose lives crossed paths with mine. I have since decided that I want to touch each life that I’ve met positively, so long as they allow me to, and to live life to the fullest. When I finally die, I would like to die a happy and fulfilled woman!
Continually keeping abreast with the evolving needs and concerns of our clients.
The sophistication of planning has advanced with more options and innovations made available. The way of engagement and the process of planning for our financial safety nets and goals have also progressed as people now have a better and deeper understanding of the purpose and importance of financial planning.
Technology has also facilitated the financial planning process as information is easily accessible and execution can be done very efficiently. For instance, discussions are now focused less on the transfer of basic information and more on the individual’s circumstances and concerns, and hence a more efficient construction of customised solutions. With digitalisation, execution of solutions can be done seamlessly.
I think people will continue to become more savvy. And as a professional financial consultant, i will have to continually upskill my knowledge, as well as keep abreast with current developments and trends to stay relevant and updated, as well as build a network of specialists (such as Tax, Legal, Trusts, Mortgage experts) so that I can always help meet my clients’ evolving needs and get the solutions properly implemented. I strive to be their go-to-person for all matters that will help them achieve their financial milestones – risk management, investments, wealth accumulations & preservations, and even wealth distribution, i.e. estate planning. For instance, being certified the same level as a private banker further aids me in terms of technical knowledge, as well as benchmark my service standards to the whole ecosystem of specialists.