Manulife Financial Advisers Pte Ltd
Senior Financial Service Consultant

Mr. Allen Lim has served a year as a council member and Deputy Head of Education and Training (E&T) Department in IFPAS. His 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 his experience, he believes that our clients will face life challenges in societal, family, and economic trends. In order to deliver the best service to the consumers, Allen 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.

As he spearheads the IFPAS E&T department, Allen’s 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, as well as being versed in researching and educating various batches of ChFC®/S students, Allen will continue to hone the E&T department and be seen as a partner by various financial institutions in raising the level of professionalism and productivity of the financial practitioners.

NTUC Income Insurance Co-Operative Limited
Senior Financial Consultant

Mr. Carlos Lee started his career as a financial practitioner in 2003 with NTUC Income and managed to rise to the position of Senior Financial Consultant through hard work and perseverance.

His educational and professional qualifications include Bachelor of Science in Computing & Information Systems, Second Class Honour (Upper Division), Certified Financial Planner (CFP) and Fellow Chartered Financial Practitioner (FChFP). He is also a Qualifying MDRT Life Member for 14 years.

Carlos shared that attentive listening is the key towards his career success. Over the years, he believes in high touch communications and passion servicing for clients. This brings continuous business years after years.

He has served IFPAS as Council Member for 2016/2017 and Honorary Secretary for 2017/2018. He also participated as a Team Leader in IFPAS-MediShield Life Pro-bono 1-to-1 Consultation project. This is one of the projects which brought impact not only in raising the image of the association and financial practitioners but as well as giving back and serving the community. With his vast experience in the industry, he is confident that he can continue to be of great contribution to the association. As IFPAS stands as the voice of the industry, Carlos is honored to take part in shaping the future of our industry.

AXA Insurance Pte Ltd
Senior Financial Services Director

Delphine has been in the industry for 17 years and has received numerous accolades and awards like MDRT qualifier, top recruitment and top sales unit awardee.

She is very passionate about her career and this is evident through her career achievements as well as industry involvement. Before being co-opted as IFPAS Honorary Treasurer for the term 2017/18, Delphine has held various positions in the association - Council Member (2013/14), Honorary Treasurer (2014/15) and Vice President for Membership (2015/16).

She may not be officially part of the EXCO for a year but her heart remains in giving back to the community. She has been 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.

Her guiding principles in life are:

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

As one of the key position holders in the association, Delphine believes that anything and everything is possible as long all works together as a team.

Her 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 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
Executive Director, Financial Services

Mr. Ivan Chee joined the industry after graduating from NUS (Business School) in January 2002 and has since garnered many industry awards like MDRT for 10 years, FSMA SMA awards for the past 3 years and also attained CFP certification in 2006. He has been a constant Great Eastern (GE) Achiever under Producer and Leaders category. For the past few years, he is also consistently among the top 1% in GE under personal sales and top 15% under group sales.

Ivan has served in GE Achievers Club Council as an EXCO for 4 years (2004-2007) and has been serving in GE AGEL (Association of Great Eastern Leaders) since 2008. He is currently holding the post of Vice Chairman 1 of AGEL.

He strongly believes in the value of the financial practitioner’s work and would like to contribute on a national level. Through his involvement, he hopes 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. He is a firm believer in open consultation with the authority so that our industry can continue to thrive instead of being stifled by over regulation.

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.

Prudential Assurance Company Singapore Pte Ltd
Senior Financial Services Director

The 33-year industry veteran has been a member of his company’s CEO council for more than a decade and seated in various committees, including products, operations, compliance and compensation. Mr. Leong Sow Hoe has been serving the association since 2012 and also as Chairman of the IFPAS Alliance FAIR committee, the STAR Team.

The committee's continued engagement with the authorities demonstrated Sow Hoe's leadership and commitment to the well-being of the industry, as well as raised the professional profile of practitioners as people who put clients and community ahead of themselves. His valuable commitment and leadership led IFPAS to be rebranded as the voice of the industry which profiles itself to various stakeholders through skills development and social engagement.

Apart from his numerous leadership fronts, Sow Hoe has also headed the successful IFPAS-MediShield Life Probono 1-to-1 Consultation, which ended in mid-2016. This was made possible through our strong partnership with Ministry of Health and People’s Association. As the current President, he will continue to engage the authorities and related industry players to safeguard the interests of our industry and groom future leaders for IFPAS.

AIA Singapore Pte Ltd
Financial Services Manager

Mr. Melvyn Tham started his career as a customer services executive in an insurance company, providing customer care services to both practitioners and clients. He felt a deep connection with the industry and it inspired him to switch to providing financial services to clients.

Performing well in the financial services industry was not as easy as he had imagined it to be. Providing financial services for close to a decade, Melvyn still faces resistance from clients and prospects, in spite of his professionalism. This could partly be attributed to misperceptions of our industry. Thus, he is 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.

He started his involvement in the association as one of the volunteers of the IFPAS - MediShield Life Pro bono 1-to-1 Consultation Project. Through his participation in the project, he was able to know the association deeper and was later called to be a working committee member under the IFPAS Public Relations department.

As an EXCO member for 2017/18, he was involved inboth membership and public relationshipdepartments, playing his part in organizing theinaugural IFPAS All-Star Awards, revamping ofIFPAS website, as well as the upcomingmembership database system and IFPAS mobileapplication.,

In the past year, he has encountered unfair misperceptions of the industry. Thus, he is reminded that there is still work to be done forthe society to eradicate such negativeimpressions about the true nature of theimportant work that financial practitioners do.

Melvyn has a vision to enhance the good reputation and importance of financial planning in the eyes of the public. To achieve this, working closely with various government bodies to raise the profile of our industry and demonstrate the quality or our work is a must. He looks forward to increasing interaction between fellow IFPAS members as this will provide a platform for the best ideas and practices to be shared among fellow practitioners.

Together with the EXCO team, he aims to increase the productivity and professionalism of all IFPAS members.

Manulife (Singapore) Pte Ltd
Senior Director

Upon graduation from National University of Singapore(NUS) in 2006, he joined Manulife Singapore and waspromoted to Manager in 2008 and to Branch Senior Director in 2015. With 12 years of industry experience, he currently heads a 40-strong agency. Eng Beow believes strongly in team work andadvocate an inclusive environment for leaders and plannersto constantly share ideas and solutions to improve thefinancial well-being of all clients.

In his course of business and in everyday life, he stands forthese six core values:

• Honesty
• Sincerity
• Respect
• Humility
• Service
• Righteousness

Apart from the values he lives by, Eng Beow believes that his core mission is to protect everyone’s dignity. Heconsiders financial planning as an evergreen industry inSingapore due to the fact that we can never become a welfare state. He believes in cause and effect;if we spend more now, we willdefinitely have lesser to spend in future; and if we save morenow, we can have more in future, if we make plans.

As he continues to serve the association, his aim is not only to just give back to the industry but to sincerely work for better social standing of all professional financial practitioners.

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.

Wee Yeap’s involvement in the association started as one of the volunteers of the IFPAS - MediShield Life Pro bono 1-to-1 Consultation Project.

He is a firm believer that our customers deserve the highest level of professionalism, care and service. He sincerely understands client’s financial concerns and goals by recommending the best financial plan so that they and their families can have adequate insurance coverage. Elected as 3rd Vice President, he aims to create 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 and garnering member benefits where we can bring clients to conducive places for business discussion and more.

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.

Prudential Assurance Company Singapore Pte Ltd
Financial Services Director

Since his early days, Jialong always looked up to his parents as role models that impacted his life in thefinancial services sector. His father was a businessmanfrom China/Hong Kong, who influenced him to be anentrepreneur, while his mother helped in cultivating his passion to help other people and believe in the notion of “Always Give First”.

Upon graduation from NUS in 2004, he almost started his career as a social worker when the entrepreneur in him decided to take up the opportunity to become a financial consultant despite facing resistance from the people around him. Jialong knew that it is up to him to make this change and to let the society understand the true positive impact a financial consultant can bring onto the clients.

Jialonghad the privilege to be invited to help out in the MediShield Life Project and subsequently looped in to be part of the IFPAS Public Relations Working Committee that spearheaded the inaugural IFPAS All-Star Awards in early 2018.

He has always adopted the teaching from what he learnt in school onto what he does as a financial consultants. In SocialWork, the concept of “Teaching a person how to fish, andnot to give him the fish” made him realize the importanceof financial education, and that this can be applied across the industry as well.Therefore for years, Jialong has been advocating this change.

There may still be bad practices in the financial industry (same for many other industries), and thus thismay not be an easy task. However, Jialong’s belief is thatbecause it is not easy, it is worth it. The best way to make this all happen is to start from oneself.

Through Jialong’s experience and educational background, he aims to contribute interesting ideas on creating value for members and clients.

AIA Singapore Pte Ltd
Financial Services Director

Joining the industry in 1993, Willing strongly believes in the value of being a financial practitioner. Although practitioners still face resistancefrom friends and relatives due to the nature of the job, he strongly believes that if we practiceprofessionalism, we will definitely change theperception of our consumers.

His leadership style is to lead by example. He endeavours to lead a profession lifestyle that will in turnhelp mould younger generations.

Willing started his involvement in the association asone of the volunteers of the IFPAS – MediShield Life Pro bono 1 -1 Consultation Project. Through this, he got to know the association better andwas later called upon to become a workingcommittee member under the Membershipdepartment.

Given the opportunity to serve the associationand its members, Willing is prepared to take a step further and be able to contribute in thefollowing areas:

1. Explore and Develop training platforms totighten up the skillset of the financialpractitioners and to unlock their potential andmaximise their growth;
2. Empower financial practitioners to carry outtheir tasks professionally; and
3. Promote proficiency, competency andethical responsibilities.

Prudential Assurance Company Singapore Pte Ltd
Senior Financial Consultant

After a short stint in the banking and finance industry with Barclays, Ashvin joined Prudential in July 2009 on the back of a troubled economy, right after the subprime crisis of 2008.

The financial planning industry was the last career he had envisioned himself being in, as he had attained bachelor’s degree from SIM-RMIT, and came from a family of educational professionals. His mother was a vice principal while his father was a polytechnic lecturer.

Joining the life insurance industry was a surprise to his family and to his peers, however after the initial struggle,he proved his worth to his family and friends by achieving numerous recognition and accolades from the company. A notable event in his life was being able to help a family member, who was facing critical illness, benefit from his financial advice. Ever since then, his faith in the life insurance industry has grown by leaps and bounds.

His involvement in IFPAS started in 2015, when he became a volunteer for the IFPAS-MediShield Life project and was later called upon to contribute to the Public Relations Working Committee that spearheaded the inaugural IFPAS All-Star Awards.

Ashvin’s personal mottos in life are do onto others as you would want others to do onto you and that we should never bite the hand that feeds us.As he continues his journey with IFPAS, he will continuously drive to protect and grow the reputation of the many financial practiitoners in Singapore. By doing so, he is able to give back to this wonderful career that has given him everything that he could ever ask for.

Senior Director, Financial Services
Manulife (Singapore) Pte Ltd

Maj. (Ret) Dennis Tan BBM, is a Senior Director, Financial Services. His wife Christine is a senior civil servant who retired in 2010. They have two sons; Desmond & Derek, age 40 & 36 respectively. Elder son Desmond is a partner in the distinguished law firm Lee & Lee. Younger son Derek is the MD of a Project Design Firm and business owner of a few other companies.

Maj. (Ret) Dennis Tan joined the financial services industry in late 1977 after he left the army and has been an active practitioner since (>39 years). Being a consistent and regular million dollar producer in the earlier years of his career, he had achieved many top awards and honours at company and industry levels. Some of those worthy of mention are: Top Divisional Manager (GE), Top Divisional Manager (JH), Special Eagle’s Award (JH) and Global Star of Excellence Award (ML). His crowning achievement is when he was acknowledged by his industry peers and accorded the highest accolade: “Practitioner of the Year 2000 – Commendation Award”.

In addition, he is also an active and prominent member of the industry since 1978 and held numerous key appointments in the various institutions. He is one of the very few pioneering and founding members still actively serving that helped oversee the development and growth of the LUA and GAMA. He has the rare distinction of being the only active practitioner who had served as President in the two key national bodies: - Life Underwriters’’ Association (LUA) in 1993/94 and General Agents & Managers’ Association (GAMA) in 2003/04. These two bodies are the predecessors of the Insurance & Financial Practitioners’ Association (IFPAS) and Financial Services Managers’ Association (FSMA) respectively. He also serves as an active member of the IFPAS STAR Team since 2012.

Maj. (Ret) Dennis Tan is a highly sought after industry Trainer & Coach and spoke at numerous local & overseas congress and seminars both within and without the industry. Besides being actively involved in the development of the industry, he also devoted much time towards Nation and Community building and serves actively in many community service clubs and grass-root organizations.

MBA in Business Admin, ChFC
Course Conducting: ChFC01 - 07

Keng Leong has blazed a trail of numerous distinctive awards & recognition, including Life Member of the Million Dollar Round Table and Quality & Star Club awards. He had created company’s widely used sales & investment programs and sits in various companies' advisory boards that oversee sales operations, sales process, products & compensation. He acts as consultant to a few local & overseas insurance associations and a frequent writer of financial articles in the local newspaper. He is a well sought-after speaker & has spoken on many local conventions & seminars both locally and in Asia Pacific region including the prestigious Million Dollar Round Table in USA. He has also conducted numerous financial training programs both in his company & industry. His unique way of teaching has helped many participants to benefit tremendously. He was interviewed frequently for views in financial matters on National Radio & Television.

IPP Financial Advisers Private Limited
Chairman

Tiong Howe is widely considered the father of financial planning, having achieved national and regional recognition and success in the financial planning industry and insurance profession for over 40 years. As Chairman of IPPFA, he has recorded many firsts and overseen many changes for the betterment of the industry.

Over the years, Tiong Howe has assumed numerous industry and professional leadership roles. He was president of Life Underwriters Association of Singapore (today IFPAS) and was also the founding president of the Singapore Society of Financial Services Professionals. Under his leadership as President of LUA (IFPAS), he established the formation of the Asia Pacific Life Insurance Council, today known as Asia Pacific Financial Services Association, the largest conference of financial planning and insurance practitioners in Asia Pacific.

Tiong Howe has mentored and coached financial planning advisers in Singapore, Malaysia, Indonesia, Hong Kong and has spoken at numerous industry conferences and seminars in the region. He was the first in the region to earn the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American Society. His experience and expertise put him in good stead when he decided to set out on his own and established IPP Financial Advisers in 1983 to serve professional and wealthy clients in advance insurance planning, comprehensive financial planning and global investments advisory services.