Manulife Financial Advisers Pte Ltd
Senior Financial Service Consultant

My objective is to provide a platform to help members to be professionally relevant to their clients in the foreseeable trends and threats that is happening in Singapore.

Through my experience, I believe that our clients will face life challenges in societal, family, and economic trends. In order to deliver the best service to the consumers, our Education & Training department has been actively rallying the idea that as a financial practitioner, one must have the necessary estate planning, risk management and retirement planning knowledge and skills to assist clients to ride through these trends and threats, financially.

Our professional existence is not about helping clients to be multi-millionaire. Our existence is about helping the client to have enough CAPITAL, INCOME & LIQUIDITY for him to discharge his duty as a husband, son to elderly parents, and father when one or more of the 4 generic risks (Death, Disability, Retirement and Special Situations) hit him. The outcome of our role is to keep a family together, keep a business together, guarantee the financial security for the women, children and elderly parents of the house.

There are many misconceptions about financial practitioners. Most see us as mere transactional beings, with no or little professional value to offer in the financial planning eco system. I took pain to counter this misconception in a recent radio interview. Technologies & societal trends have also risen the expectation on us by clients. We have to up-skill ourselves into the legal, technology, geo-politics, High Net Worth and Trust planning realm to justify our professional relevance and existence.

Heading IFPAS’ E & T department, my main goal is to keep our members abreast of the current trends and make the practitioners relevant to the clients. Having been in the industry for 19 years as a financial practitioner and as well as being versed in researching and educating various batches of ChFC®/S students, the strive to work together with my E&T team in raising the level of professionalism and productivity of the financial practitioners remains to be the top priority.

Being in the financial industry for close to twenty years, Carlos recognises that the client is at the heart of everything that we do in financial advisory. Inspired by a desire to return to the fundamentals, Carlos knew that he has to take the lead to genuinely help, guide and nurture people on their path to financial wellbeing.

Through a very close-knit working relationship with various government agencies like Monetary Authority of Singapore (MAS), Prime Minister’s Office (PMO), Ministry of Health (MOH), Ministry of Culture, Community & Youth (MCCY), People's Association (PA), Institute of Banking and Finance (IBF) and many more, Carlos is able to contribute and give back to the society through financial literacy programmes and industry-focused initiatives.

In 2015-2016, Carlos participated as a team leader in the nationwide pro-bono IFPAS-MediShield Life consultation which helped over 800 residents across Singapore understand the national health scheme.

In support of the SG Youth Action Plan, Carlos together with the IFPAS team, partnered with The Smart Local, National Youth Council and the Ministry of Culture, Community and Youth in 2019 to empower youths to take charge of their financial well-being. This partnership presented financial education curriculum for the youth on navigating financial stressors in various life stages in relatable and bite-sized content.

At the course of Covid-19 pandemic, Carlos led the association and its team in a series of activities that promote continuous upskilling and professional development of advisers. This includes complimentary workshops conducted by industry experts, dialogue sessions with ministers, and partnership with educational institutions such as Singapore University of Social Sciences to aid our members in transitioning to digital way of communicating to clients and Kaplan Professional Australia to develop programmes that is in line with the MAS’ Financial Industry Roadmap.

At present, IFPAS’ team remains in close collaboration with Ministry of Health in getting financial practitioners to weave in explanations of CareShield Life in the course of providing financial advice/financial planning services.

As the current leader of IFPAS, Carlos drives the association in (1) raising the image of the profession, (2) building towards national representation of industry practitioners and (3) maintaining as an integral part in shaping the future of our industry.

Carlos holds the Certified Financial Planner (CFP) and Fellow Chartered Financial Practitioner (FChFP) designations.

AXA Insurance Pte Ltd
Senior Financial Services Director

I have been in the industry for 19 years and have received numerous accolades and awards like MDRT qualifier, top recruitment, top sales team and top Group Director Agency awardees.

My passion is not limited to the career that I have chosen but I always find ways to give back to the community. In 2015, I was appointed by IFPAS as one of the Ambassadors for the IFPAS-MediShield Life (MSL) Project, one of the successful projects and considered as a key milestone in the history of the association.

In any of my life endeavour, these are my guiding principles:

• Trust, Integrity & Honesty
• Teamwork
• Gratitude (Being able to 'give' is a blessing)

I have been serving IFPAS since 2013 as a Council Member, Honorary Treasurer (2014/15, 2017/18) and Vice President for Membership (2015/16)

My passion for the industry has grown each day because of the people who come forth and contribute to sustain the values of this industry. Changes are inevitable but what matters most is to focus on the inner voice and not to be distracted by external factors.

AIA Singapore Pte Ltd
Financial Services Director

Upon graduation from National University of Singapore in 1996, Ms. Eline See joined the insurance industry. It turned out to be the best career choice she has ever made. As a mother of three, she fully appreciates the importance of financial planning.

In 2015, Eline was elected as a council member and served in the Education & Training Working Committee. She also acted as one of the Ambassadors for the IFPAS MediShield Life Project.

In 2016, she was elected as Honorary Treasurer and served in the Public Relations Working Committee, where she was put in charge of the IFPAS-MediShield Volunteers’ Appreciation Luncheon.

With her experience of over 20 years, she hopes to be able to contribute more for the association as she strongly believes in paying it forward.

Our industry is facing rapid changes in recent years and these include regulatory changes, global competitions and disruptive technologies. As a financial practitioner, she urges each and every one to thrive to stay relevant, cohesive and responsive in the face of changing time.

Prudential Assurance Company Pte Ltd
Financial Services Director

Mr. Francis Koh has been in the industry since 1995 and is currently a Financial Services Director with Prudential and achieved Million Dollar Agency qualifier over the last 3 years.

His core strengths are training and coaching for agents and product developments at company level. With his vast experience in the industry, he feels that it is high time to do his part for the industry for the benefit of all practitioners.

With the opportunity to engage the relevant government sector, Francis hopes that he can do his part to contribute to help create a more transparent and fair channel for all advisers who are positively helping majority Singaporeans and PRs getting insured and seeing to their financial needs.

He believes all of us as advisers should come together as one and contribute as much as we can to help shape the future of everyone living in Singapore. The livelihood of all advisers can be better if we are able to work hand in hand with the relevant authority and engage them in a positive manner so that both can begin creating a transparent and fair financial planning choices for customers as well as for the financial advisers representing different companies.

Francis is confident that if we work towards a common goal, we are able to help and improve one's life and standard of living with proper planning, integrity and professionalism.

Great Eastern Financial Advisers Pte Ltd
Senior Director, Financial Services

I joined the industry as a fresh graduate in January 2002 after graduating from NUS, Business School and has since garnered many industry awards like MDRT for 10 years, FSMA SMA awards for the past 5 years and also attained CFP certification in 2006. I have been a consistent Great Eastern (GE) Achiever under Producer and Leaders category which represent the top 20% for the past 17 yrs consecutively.

For the past few years, I am consistently among the top 1% in GE under personal sales and top 10 Director under group sales.

In addition, I have served in GE Achievers Club Council as an EXCO for 4 years, from 2004-2007 and been serving in GE AGEL (Association of Great Eastern Leaders) since2008.

Currently, I am serving as Chairman of AGEL for the term 2019/2020.

I am also serving in River Valley Neighbourhood Committee as assistant secretary for the past 3 years.

I strongly believe in the value of our work and would like to contribute on a national level. Through our involvement, I hope to improve further the image of financial services professionals in the eyes of consumers and also the authority by working together to create more value. I also believe strongly in open consultation with the authority so that our industry can continue to thrive instead of being stifled by overregulation.

AIA Singapore Pte Ltd
Group Financial Services Director

Jason Ng started his career as a financial consultant in 2003 and became a manager in 2006. Through his perseverance and hard work, Jason was promoted as a financial services director in 2010, where his responsibilities include managing teams of financial services consultants, working closely with financial services managers and organizing events and programs to improve the performance of the agency and managing relationship with the corporate management to maintain the operations of the agency.

With his 15-year career in the industry, he has received numerous awards such as Member of Million Dollar Round Table, AIA Premier Agency, AIA Pinnacle Club, and AIA Club Zenith.

Jason has myriads of principles that he follows to attain success not just for himself but also for the people around him.

(1) “Make every team member a problem solver”
To establish a team, or group that can manage responsibility individually. He aspires every team member to contribute to the success of the organization.

(2)“Using your imagination and dreams”
This is all about law of attraction. He believes that thinking positive and visioning the dreams, or goals will eventually lead to a reality. As Albert Einstein once said, “Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world”.

Jason’s involvement in IFPAS stemmed from his aim to help make the industry a better one. As the industry faces a lot of threats and challenges these days, he believes that his contribution will be an added value to the association, which represents the financial consultant’s voices and maintains the professionalism in the industry.

He strives to bring IFPAS to awareness to all the financial consultants in the industry and creating a platform for them to increase their skills, knowledge and competencies.

It’s been a privilege to serve the association since 2012 and also previously as Chairman of the STAR Team.

IFPAS has been rebranded as the voice of the industry which profiles itself to various stakeholders through skills development and social engagement.

The successful IFPAS-MediShield Life Probono 1-to-1 Consultation, which ended in mid-2016 bears testimony to this. This was possible through our strong partnership with Ministry of Health, Prime Minister's Office and People's Association.

My other responsibility will be to develop future leaders for IFPAS.

I will continue to work with authorities and other industry stakeholders to protect our sector's interests and improve the professional reputation of practitioners as persons who prioritize clients and the community.

My other responsibility will be to develop future leaders for IFPAS.

I joined the Financial Services industry as a final year undergraduate and turned full time a year later. Over the years, I have built many valuable connections and benefited immensely from my experience working with customers, and my fellow Leaders and Consultants.

As the saying goes: “it is more blessed to give than receive”. Over the past decade, I have been volunteering at various organisations. When the opportunity arose to volunteer at IFPAS as an Exco member, I took it as a way of giving back to the industry.

Having worked with Customers as well as Agency Leaders and Financial Consultants closely for the past many years, I am keenly aware of the issues and challenges they face and will endeavour to use my experience to help fellow practitioners serve their customers better through engaging the various industry stakeholders. I will also explore ways to improve the competency of our industry practitioners via continuous training and development. This, in turn, will allow us to be the Trusted Consultant that Customers can rely on for Quality Financial Advice.

AIA Singapore Pte Ltd
Financial Services Associate Director

I started my involvement in the association as one of the volunteers of the IFPAS - MediShield Life Pro bono 1-to-1 Consultation Project in 2015. Through my participation in the project, I got to know the association better and was later called upon to join as a working committee member at the IFPAS Public Relations department. In 2017, I was invited to be part of the association’s EXCO team.

As an EXCO member for 2018/19, I was appointed as the Honorary Secretary of the association and oversaw the secretariat team and non-financial matters of the association. I am also glad to be part of the Chinggay parade 2019 where IFPAS participated for the first time.

In the past year, I have encountered unfair misperception of our industry. Thus, I am reminded that there is still work to be done for the society to eradicate such negative impressions about the true nature of the important work we do.

I have a vision to enhance the good reputation and importance of financial planning in the eyes of the public. To achieve this, we have to work closely with various government bodies to raise the profile of our industry and demonstrate the quality or our work. In addition, I look forward to increasing interaction between fellow IFPAS members. This will provide a platform for the best ideas and practices to be shared among fellow practitioners. Through this, we aim to increase the productivity and professionalism of all IFPAS members.

With 14 years of industry experience, Engbeow heads the 40+ strong agency to be one of the top branches in Manulife. EngBeowis a Certified HNW Adviser, and also a recognised and respected leader amongst his agency team. Despite his strong personal track records and achievements, EngBeow believes strongly in teamwork, and advocates an inclusive environment for leaders and planners to constantly share ideas and solutions to improve the financial well-being of individuals.

Engbeow is currently the 1st Vice President of IFPAS, the Premier Association of Financial Planners (Singapore) and actively contributes to enhancing the image of the financial services industry, upholding the professional and ethical standards of the financial practitioners and serving the consumers and community at large.

Great Eastern Life Insurance Company
Financial Adviser (Certified HNW Adviser)

I work with a group of devoted experts that have a single goal in mind, to guide and empower our customers to achieve financial independence and security by building enduring values for them via our strategies and processes, which results in financial freedom for ourselves.

I was trained as an accountant and seriously contemplated retiring as one. Prior to entering this area, I, like many others, believed that we were adequately protected and had more than enough insurance coverage. When I first started in the industry, I realized that the majority of people had the same problems with their insurance. With my knowledge and skills, I now serve as IFPAS's Honorary Secretary to the best of my ability.

Prudential Assurance Company Singapore (Pte) Ltd
Financial Services Director

Being in the financial services industry right after graduation was not a career choice that Mr. Ong Wee Yeap had imagined himself to make. As fate has it, it was also the decision that has shaped him to become the person he is now. Having faced resistance from close relatives and friends who had not so good perceptions of financial advisors and sometimes even outright declarations of friends and strangers of their insurance policies even when not asked, reminded him that there is still work to be done for the society to eradicate such negative impressions, which is definitely non-representative of the work that we do.

I firmly believe that our customers deserve the highest level of professionalism, care and service. I sincerely understand my client’s financial concerns and goals by recommending the best financial plan so that they and their families can have adequate insurance coverage.

I would like to continue creating more value for our members through organizing activities that can raise our professional standards, networking events where we can learn ideas from members to enhance our financial advisory skills, member benefits where we can bring clients to conducive places for business discussion and more.

Prudential Assurance Company Singapore Pte Ltd
Senior Financial Services Director

Being an Agency Leader for the past 28 years with numerous company and industry awards, he strongly believes in upholding the professional excellence in the financial industry to advance the entire landscape of financial services for the betterment of lives. He believes that everyone CAN make a difference. His agency has consistently been in the top 10% within the company.

Roland’s heartbeat is to give back to the society through an intergeneration movement, particularly in impacting the X and Y generations. In the past 2 decades, he has been actively involved in community and humanitarian work in various countries, touching lives in a holistic and integrated manner simultaneously.

Prior to his involvement in community and humanitarian work, Roland has been a moderator of the Australian LUTC programme through Life Underwriters Association (the predecessor of IFPAS).

Roland is currently part of the 7-member STAR team that represents about 20,000 financial practitioners engaging MAS on the FAIR issue. Currently an IBF Fellow, he actively participated in the discussion of progressing a comprehensive competency roadmap for financial advisers that birthed to the IBF Standards for Financial Planning.

His journey in the IFPAS EXCO started in 2012 and have served different portfolios – from a Council Member (2012/13), Vice President for Education & Training (2013/14, 2014/15), President-elect (2015/16) and lastly, President (2016/17, 2017/18).

Just like a drop of water would create a ripple effect in the ocean, Roland believes that his passion and insights in the financial industry for the past 31 years will be invaluable to the association. Even as he takes the role of Immediate Past President, he will continue to endeavour to move the association to a higher level, cultivate the new generation of leaders and ensure the expansion of the Premier Association in many fronts.

AIA Singapore Pte Ltd
Group Financial Services Director

Jason Ng started his career as a financial consultant in 2003 and became a manager in 2006. Through his perseverance and hard work, Jason was promoted as a financial services director in 2010, where his responsibilities include managing teams of financial services consultants, working closely with financial services managers and organizing events and programs to improve the performance of the agency and managing relationship with the corporate management to maintain the operations of the agency.

With his 15-year career in the industry, he has received numerous awards such as Member of Million Dollar Round Table, AIA Premier Agency, AIA Pinnacle Club, and AIA Club Zenith.

Jason has myriads of principles that he follows to attain success not just for himself but also for the people around him.

(1) “Make every team member a problem solver”
To establish a team, or group that can manage responsibility individually. He aspires every team member to contribute to the success of the organization.

(2)“Using your imagination and dreams”
This is all about law of attraction. He believes that thinking positive and visioning the dreams, or goals will eventually lead to a reality. As Albert Einstein once said, “Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world”.

Jason’s involvement in IFPAS stemmed from his aim to help make the industry a better one. As the industry faces a lot of threats and challenges these days, he believes that his contribution will be an added value to the association, which represents the financial consultant’s voices and maintains the professionalism in the industry.

He strives to bring IFPAS to awareness to all the financial consultants in the industry and creating a platform for them to increase their skills, knowledge and competencies.

Since my early days, I have always looked up to my parents as role models that impacted my life in the financial services sector. My father was a businessman from China/Hong Kong, who influenced me to be an entrepreneur, while my mother helped in cultivating my passion to help other people and made me believe in the notion of “Always Give First”.

Upon graduation from NUS in 2004, I started my career as a Financial consultant by applying the values that I inherited from my parents and combine it with what I had learnt in my Social Work studies. Gradually I realised that on top of what I do for my clients, I also enjoy creating positive changes in others and thus I started to find ways on how I can serve the industry.

Then IFPAS came into my life and gave me the opportunity to first help out in the Medishield Life project with my team a few years ago, and next with the inaugural IFPAS ALL-STAR awards. It was during that time that I found out how much IFPAS has done for us and that without them, I may not even have been a Financial consultant by now. That inspired me to serve in the IFPAS Exco so that I can lend my hand in contributing more to the industry. I have never looked back since.

Joining the industry in 1993, I strongly believe in the value of our task as a financial practitioner. Although we still face resistance from friends and relatives due to the nature of our job, I strongly believe that if we practice professionalism, we will definitely change the perception of our consumers.

My leadership style is simple - to lead a professional lifestyle that will allow me help mould younger generations.

I began my affiliation in the organization as a volunteer with the IFPAS – MediShield Life Pro bono 1 -1 Consultation Project. Through this, I became more acquainted with the organization and was subsequently asked to join a working group under the Membership department, and now, I stand here as IFPAS President for the year 2022/2023.

Given the opportunity to represent and serve the association and its members, I am willing to go above and beyond by empowering financial practitioners to carry out their activities professionally; and promoting proficiency, competency, and ethical obligations.

My educational and professional qualifications include Diploma in Management Studies, Bachelor in Business Administration (RMIT), Life Underwriter Training Council Fellow (LUTCF) and Certified Financial Planner (CFP).

I joined IFPAS as a Council Member in 2014 as I realized what the association has done for the industry and being a practitioner for many years, it was high time for me to play my role, to serve and give back to the industry.

I continued my journey as an EXCO member, and then as the Honorary Secretary of IFPAS, the Vice President (Membership Department). and subsequently elected to become the 3rd Vice President of IFPAS. I was also a key committee member of MediShield Life Pro-Bono 1-to-1 Consultation Project that closely collaborated with Ministry of Health (MOH), Prime Minister’s Office (PMO) and People’s Association (PA. The MediShield life consultation sessions were held at the various Community Centers island wide. The project was a great success across the nation. The community had a better understanding of our Government’s initiative. It brought strong satisfaction of giving by our members and it helped build stronger ties between the association, and the various government agencies.

With my active involvement in the association, I aim to see the increase in participation among fellow members and also for IFPAS to continue to be the voice representing the interests of everyone. The association exists to shape up the image of the industry. It is important to have an industry body to nurture the practitioners, and at the same time, to provide provisions to safeguard the interest of the practitioners. As we care for the welfare of the practitioners, we should also give back to one of our stakeholders, which is the community. Continuous engagement of the public through financial literacy program/s is also important in building the whole nation as a strong financial hub.

Many practitioners are aware of IFPAS and the work it does for the industry. But being aware alone is not enough – what I want to see is for practitioners to come forward to join the family and be able to contribute in any way possible to make the association stronger. We need the members to work alongside us to champion the cause of IFPAS for the common good of all practitioners and to stand as a unit regardless of the company we work for.

Through this, everyone will see that we, as an industry, is nation-serving and not self-serving.

Tokio Marine Life Insurance Singapore Ltd
Manager

Formerly an experienced banker helping HNW clients with their wealth generation, accumulation and preservation. Currently, I am an Estate & Planning Practitioner and a Financial Planning Manager. I help my clients put together the different financial jig-saw puzzles in a well-coordinated and consistent manner. This allows them to achieve their business goals and avoid the 3 Cs – Conflict, Confusion and Cost. I also have an interest in Private Equity and Venture Capital. I bring years of experience from the banking, estate planning and insurance industries to help my customers in my current role.

As an adviser, we need to keep abreast with the latest developments that impact our clients’ lives. Often, we serve as the middleman to their various needs by working with multiple professionals. In this climate where customers are more knowledgeable and complex, an adviser needs to provide more holistic planning. I will help dissect and streamline the barrage of information and complexity to better cater to their future. As such, I strive to upgrade myself whenever possible. I am honoured to have obtained professional designations and certifications in various fields. They are Associate Estate Planning Practitioner (AEPP®), Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), The Institute of Banking and Finance Advanced (IBFA), Singapore Accredited Mortgage Planner(SAMP™), Society of Trust and Estate Practitioners Affiliate (STEP Affiliate), Certified Private Banker Level 1 and University of Oxford Venture Finance Programme.

I got to know about IFPAS when I first attended a training session conducted by the association. Since then, I started to learn that the association was more than a course provider. IFPAS served as the ‘voice’ to the many financial practitioners in the industry through their various initiatives and projects. Among the numerous intiatives undertaken by the association, it also promotes the standards and professionalism of the financial practitioners in my industry, ultimately improving our society. I see the values they create and find them meaningful and impeccable.

I wish to contribute and be part of this journey with IFPAS.

I strive to achieve the “ABC"s:

• A: adding value to people, families & corporations
• B: building lasting relationships
• C: creating positive experiences

through my professional expertise of insurance & financial planning. As a financial practitioner, I firmly believe that our role should be more relational rather than transactional; and our customers and their interest should be the heart of everything that we do in financial advisory.

I upgrade myself professionally to acquire knowledge and skills to add more value to my customer and serve them better. My educational and professional qualifications include Bachelor of Science (Life Sciences), Chartered Life Underwriter/Singapore (CLU^®/S), Chartered Financial Consultant/Singapore (ChFC^®/S) and Associate Estate Planning Practitioner (AEPP®). I also hold the Institute of Banking and Finance Advanced (IBFA) Level 3 for Financial Planning and IFPAS – Kaplan Australia High Net Worth (HNW) Certification.

Being inspired by the good works done by IFPAS to be the national representative of financial practitioners in Singapore, I started my involvement in IFPAS as a writer for IFPAS Tuesdays Times. I subsequently served in the Education and Training Working Committee where I conducted financial talks for People Association, National Kidney Foundation; and assist in the IFPAS magazine editorial team. It is my privilege to be elected as a council member to give back to the industry. I look forward to serving & contributing to help raise the standard of the industry and the standing of financial practitioners.

Life is wonderful yet difficult at times, and that makes it exciting! Rather than spending time fretting or getting too emotional over challenging situations, I focus on finding the solution.

I am honoured to have been nominated as a new council member and I am excited to serve the association in this role. As a member of the IFPAS' Education and Training working committee for the past years, I have seen firsthand the impact that our association can make when we work together towards our common goals. As a council member, my top priority is to ensure that our association remains a strong and supportive community for all members. I am committed to listening to feedback, ideas, and concerns, and using this information to help shape our association's future.

I am looking forward to collaborating with my fellow council members and working towards the betterment of our association.

NTUC Income Insurance Co-Operative Limited
Senior Financial Consultant

My personal journey has taught me the importance of safeguarding our health and wealth. A crisis set at the age 5, changing my whole life completely. I discovered that I had a huge tumour on my right neck. At such a tender age, I was subjected to countless of tests, injections and had to undergo a major surgery and radiotherapy. The financial burden on my family was heavy as we did not have any medical insurance coverage at that time. The operation left a permanent scar on my face. The disfigurement was emotionally very painful to accept. However, I battled the rejections and developed a strong mind-set and determination to do well in my life.

I joined NTUC INCOME in 1996 as a part time Insurance Adviser and turned full time in 2002 as a career adviser to focus on servicing my clients more effectively.

My passion to serve my clients well had earned me my first prestigious Million Dollar Round Table (MDRT) membership in 2002 and have since achieved 10 times MDRT in conservative years and Court of Table in 2006. I had achieved my goal of being a MDRT Life Member in 2012.

Having witnessed the great work by the STAR Team and the IFPAS EXCO Members, I felt very motivated by their enthusiasm, dedication and commitment to do something, to contribute positively to our association in one way or another. I have started as a working committee member for IFPAS and subsequently joined as a council member. I believe that my journey and my passion for this industry can help in inspiring others to excel in their career as well as change their lives by making a difference for them

My personal achievement in this competitive life insurance industry serves as a testimony that we can turn Setbacks into Success! To quote Walt Disney, “All our Dreams can come true, if we have the courage to pursue them”

Manulife (Singapore) Pte Ltd
Assistant Vice President, Financial Services

After leaving my first job as a Commercial Banking Relationship Manager with one of the local banks in year 2012, I took a big leap of faith by starting my career as a Financial Planner with Manulife. Over the years, I have built strong relationships with my clients and I have gained their trust for my professionalism.

I strongly believe that all financial practitioners or financial planners should be equipped with the highest standard of knowledge so that their clients will benefit from their professional financial advices at different life stages and milestones. As such, I upgrade myself with qualifications such as Chartered Financial Consultant (ChFC^®), Associate Estate Planning Practitioner (AEPP^®) and Singapore Accredited Mortgage Planner (SAMP^™) so that I can serve my clients effectively well.

Other than being a strong believer in professional education, I believe that all financial services practitioners play a big role in protecting every client’s dignity through their course of work. Hence, it is very important to create awareness to the public about the true nature of work done by financial practitioners.

I started my involvement in IFPAS as a member in the Membership Working Committee. During my journey, I got the opportunity to further understand the important work which has been done by the association in protecting and enhancing the good reputation of financial services practitioners over the years.

Being in the EXCO now, I look forward to creating more values for our IFPAS members.