Low Jiun Neng Kelvin

Financial Advisory Manager

(MAS REP No.: LJN300132190)
Your most trusted lifetime advisor

In 2007, I was a full-time home trader with more than a decade of professional trading and investment experience. While doing well for myself, I became inspired to help others reap the benefits of good financial planning and to pay it forward.

Today, my clients, which include regional M&A lawyer, senior management of MNCs, CEO of a property investment company and successful HNW business owners turn to me for sound financial and estate planning advice.

After serving more than 500 individuals, families and corporations, their Key Number 1 Question remains:

“Kelvin, Do I have the right plans to protect my family and love ones if something happens to me or my business?” Are they the best value for money plans for me?

The answer lies in what I specialise in:

? Review and Restructure your current Financial Plans for Individual to produce the 3Ms result :
Save $Monies? / optimised $Monies ? /Grow $Monies ?
? Retirement Goal Setting & Legacy Planning through our unique SWG Wealth Journey planning
? Business and family succession planning for successful business owners

For more than a decade, my greatest source of pride and motivation has been consistently receiving my clients’ compliments and being referred to their contacts as someone who is
? trustworthy,
? who can understand their actual needs and concerns,
? provide them with what they need.

Providing them with invaluable “peace of mind” when it comes to focusing on their
? work, ? family, and ? passions,
knowing that all areas of their financial life are being assessed and covered with the best products available in the current market.

It had been my pleasure to assist clients from different life stages and backgrounds to achieve their peace of mind and focus on what was most important to them at that particular time. ???

Please feel free to reach out to me HERE if you wish to achieve your peace of mind too.

$ 0
Total amount protecting clients
$ 0
Investment Under Advisory
0 years
Years in Industry

Events

No data was found

Quick Insurance Comparison

Testimonials

“We want the reassurance that we would not burden our children and be financially dependent on them when we retire in the future. We were particularly interested in retirement planning strategies and how we can accumulate our wealth to retire comfortably.”

Here is the full testimonial.

Zheng Junfang

Analyst

Goal: Financial planning, Retirement planning “My friends asked why I would pay for a portfolio review as most agents would do it for free. I was willing to pay for a professional review as I wanted someone who could provide an all-in-one solution for my financial needs from an unbiased point of view. I respect the hidden hours a good independent financial advisor representative puts into analysing and planning for my needs.” Yong Chunk Cheun is a senior director in his late 40s. As the sole breadwinner in his family with a young child to care for, he wanted a competent independent financial advisor representative who would be able to provide him with a one-stop solution for all his insurance needs. He knew that this would save him a significant amount of time and give the independent financial advisor representative a more complete, holistic view of his needs. Chunk Cheun also wanted a second professional opinion on his current portfolio. A client referred Chunk Cheun to Kelvin. Kelvin used Soul Wealthy’s Wealth Journey to conduct a comprehensive review, identifying potential shortfalls and gaps in his portfolio. During the review, Kelvin recommended a variable universal life plan based on Chunk Cheun’s current life stage and needs. A variable universal life plan is a type of life insurance policy with a built-in savings component, which allows the cash in the savings component to be invested for greater returns. Chunk Cheun was surprised as it was not a common type of policy and definitely something he had not considered before. Chunk Cheun was convinced by the variable universal life plan but eventually bought it from another advisor. “Even though Kelvin was the one that proposed the variable universal life plan, I ultimately bought the plan through my wife’s relative because of the family relationship. Kelvin reassured me and told me that I did not have to feel bad about it as I was the one that paid for the plan.” Later, however, Chunk Cheun felt that his variable universal life policy was not being properly implemented and maintained, so he went back to Kelvin for help.

Yong Chunk Cheun

Senior Engineering Director

Goal: Retirement planning, estate planning “As a business owner, I understand the importance of proper financial planning as having the appropriate insurance can help provide my family with financial security if anything happens to me. But I never had the time to figure out the right coverage for my family.” Khoo Kay-Tek is a successful business owner in his late 40s. As the head of a family of six, he needs to ensure that they would be well taken care of if anything untold were to happen to him or his earning power. In addition to financial protection, Kay-Tek also wanted an independent financial advisor who could handle estate planning for him. When Kay-Tek first met Kelvin, it was through a mutual friend — she eventually became his wife. With the responsibilities of a family on his shoulder, and as he progressed through life, he decided it was time to relook insurance coverage and protection for his entire family. He turned to Kelvin. By using Soul Wealthy’s Wealth Journey checklist, Kelvin consolidated Kay-Tek’s current policies, which were mainly for himself, not his family. From there, Kelvin was able to assess and identify the protection gaps. “I wanted to be able to ensure that my family’s medical and hospitalisation needs were addressed and covered. Kelvin asked some key questions pertaining to the type of care I wanted and proposed several policies for me to pick, which was very helpful.” As a busy business owner, Kay-Tek appreciated how organised and detailed Kelvin was. All the necessary documents were prepared and explained in detail, which helped Kay-Tek understand the policies that Kelvin had shortlisted for him. All he needed to do was decide and sign on the dotted line. Kay-Tek also liked that Kelvin structured his proposal according to his objectives, with every plan like hospitalisation and retirement policies organised by objective and summarised with simple and easy-to-understand pointers. Being an independent financial advisor representative, Kelvin has access to a wider range of financial instruments to better meet the needs of diverse clients. This allows him to be a one-stop solution provider, which is not only more convenient for his clients but also more holistic in his service. With the right coverage in place, Kelvin continues to check in on Kay-Tek several times a year. This is something Kay-Tek really appreciates as he has experience with independent financial advisor representatives who vanish after he signed up for the policy. “I am happy that Kelvin takes the time and effort to update me regularly and check on my policies up to 2 to 3 times a year. I would be happy to introduce my friends and family to him as he is responsible and trustworthy!”

Khoo Kay-Tek

Entrepreneur

Chasing Dreams Goal: Financial freedom “I can already see myself 20 years later being financially free to live my dreams. I love baking, cooking, and interacting with people, so my dream is to set up my own café.” Olivia is only in her 20s but she has big dreams for the future. The young HR executive dreams of setting up her own café in the future. She knows that her dream is capital intensive and comes with a significant amount of risks, so she is laying the foundation with financial stability. Before meeting Soul Wealthy and Kelvin, Olivia had already bought many policies from a reputable global insurance firm in Singapore. A substantial part of her salary goes towards servicing these policies. “I took up a number of insurance and investment-linked policies after I started working but I realised they were not suitable for me.” During their first meet-up, Kelvin took the time to understand her financial goals. He then used Soul Wealthy’s Wealth Journey to assess her current status and what it would take to reach her goal. In the process, Kelvin became impressed with Olivia’s plans for the future, admitting that she changed his perspective of Millennials being more short-term focused. It made him even more committed to helping her reach her dreams faster. Understanding that the right policies can fast-track her dream while the wrong ones can slow down progress, he proposed restructuring her portfolio to increase returns while keeping the premiums, protection and benefits the same. “With Kelvin’s help, my policies are earning me four times more returns for the same annual premiums. Now, I feel like I am reaching my goals four times faster. The journey to financial freedom is long but if you don’t stop dreaming, you will get there in time.”

Olivia Syn Ou Li

HR Specialist

My Contact

Enquiry

Social

Low Jiun Neng Kelvin

MAS REP No.: LJN300132190

Financial Advisory Manager

Your most trusted lifetime advisor

In 2007, I was a full-time home trader with more than a decade of professional trading and investment experience. While doing well for myself, I became inspired to help others reap the benefits of good financial planning and to pay it forward.

Today, my clients, which include regional M&A lawyer, senior management of MNCs, CEO of a property investment company and successful HNW business owners turn to me for sound financial and estate planning advice.

After serving more than 500 individuals, families and corporations, their Key Number 1 Question remains:

“Kelvin, Do I have the right plans to protect my family and love ones if something happens to me or my business?” Are they the best value for money plans for me?

The answer lies in what I specialise in:

? Review and Restructure your current Financial Plans for Individual to produce the 3Ms result :
Save $Monies? / optimised $Monies ? /Grow $Monies ?
? Retirement Goal Setting & Legacy Planning through our unique SWG Wealth Journey planning
? Business and family succession planning for successful business owners

For more than a decade, my greatest source of pride and motivation has been consistently receiving my clients’ compliments and being referred to their contacts as someone who is
? trustworthy,
? who can understand their actual needs and concerns,
? provide them with what they need.

Providing them with invaluable “peace of mind” when it comes to focusing on their
? work, ? family, and ? passions,
knowing that all areas of their financial life are being assessed and covered with the best products available in the current market.

It had been my pleasure to assist clients from different life stages and backgrounds to achieve their peace of mind and focus on what was most important to them at that particular time. ???

Please feel free to reach out to me HERE if you wish to achieve your peace of mind too.

$ 0
Total amount protecting clients
$ 0
Investment Under Advisory
0 years
Years in Industry

Event

No data was found

Personal Accident Insurance

Travel Insurance

Motor Insurance

Testimonials

“We want the reassurance that we would not burden our children and be financially dependent on them when we retire in the future. We were particularly interested in retirement planning strategies and how we can accumulate our wealth to retire comfortably.”

Here is the full testimonial.

Zheng Junfang

Analyst

Goal: Financial planning, Retirement planning “My friends asked why I would pay for a portfolio review as most agents would do it for free. I was willing to pay for a professional review as I wanted someone who could provide an all-in-one solution for my financial needs from an unbiased point of view. I respect the hidden hours a good independent financial advisor representative puts into analysing and planning for my needs.” Yong Chunk Cheun is a senior director in his late 40s. As the sole breadwinner in his family with a young child to care for, he wanted a competent independent financial advisor representative who would be able to provide him with a one-stop solution for all his insurance needs. He knew that this would save him a significant amount of time and give the independent financial advisor representative a more complete, holistic view of his needs. Chunk Cheun also wanted a second professional opinion on his current portfolio. A client referred Chunk Cheun to Kelvin. Kelvin used Soul Wealthy’s Wealth Journey to conduct a comprehensive review, identifying potential shortfalls and gaps in his portfolio. During the review, Kelvin recommended a variable universal life plan based on Chunk Cheun’s current life stage and needs. A variable universal life plan is a type of life insurance policy with a built-in savings component, which allows the cash in the savings component to be invested for greater returns. Chunk Cheun was surprised as it was not a common type of policy and definitely something he had not considered before. Chunk Cheun was convinced by the variable universal life plan but eventually bought it from another advisor. “Even though Kelvin was the one that proposed the variable universal life plan, I ultimately bought the plan through my wife’s relative because of the family relationship. Kelvin reassured me and told me that I did not have to feel bad about it as I was the one that paid for the plan.” Later, however, Chunk Cheun felt that his variable universal life policy was not being properly implemented and maintained, so he went back to Kelvin for help.

Yong Chunk Cheun

Senior Engineering Director

Goal: Retirement planning, estate planning “As a business owner, I understand the importance of proper financial planning as having the appropriate insurance can help provide my family with financial security if anything happens to me. But I never had the time to figure out the right coverage for my family.” Khoo Kay-Tek is a successful business owner in his late 40s. As the head of a family of six, he needs to ensure that they would be well taken care of if anything untold were to happen to him or his earning power. In addition to financial protection, Kay-Tek also wanted an independent financial advisor who could handle estate planning for him. When Kay-Tek first met Kelvin, it was through a mutual friend — she eventually became his wife. With the responsibilities of a family on his shoulder, and as he progressed through life, he decided it was time to relook insurance coverage and protection for his entire family. He turned to Kelvin. By using Soul Wealthy’s Wealth Journey checklist, Kelvin consolidated Kay-Tek’s current policies, which were mainly for himself, not his family. From there, Kelvin was able to assess and identify the protection gaps. “I wanted to be able to ensure that my family’s medical and hospitalisation needs were addressed and covered. Kelvin asked some key questions pertaining to the type of care I wanted and proposed several policies for me to pick, which was very helpful.” As a busy business owner, Kay-Tek appreciated how organised and detailed Kelvin was. All the necessary documents were prepared and explained in detail, which helped Kay-Tek understand the policies that Kelvin had shortlisted for him. All he needed to do was decide and sign on the dotted line. Kay-Tek also liked that Kelvin structured his proposal according to his objectives, with every plan like hospitalisation and retirement policies organised by objective and summarised with simple and easy-to-understand pointers. Being an independent financial advisor representative, Kelvin has access to a wider range of financial instruments to better meet the needs of diverse clients. This allows him to be a one-stop solution provider, which is not only more convenient for his clients but also more holistic in his service. With the right coverage in place, Kelvin continues to check in on Kay-Tek several times a year. This is something Kay-Tek really appreciates as he has experience with independent financial advisor representatives who vanish after he signed up for the policy. “I am happy that Kelvin takes the time and effort to update me regularly and check on my policies up to 2 to 3 times a year. I would be happy to introduce my friends and family to him as he is responsible and trustworthy!”

Khoo Kay-Tek

Entrepreneur

Chasing Dreams Goal: Financial freedom “I can already see myself 20 years later being financially free to live my dreams. I love baking, cooking, and interacting with people, so my dream is to set up my own café.” Olivia is only in her 20s but she has big dreams for the future. The young HR executive dreams of setting up her own café in the future. She knows that her dream is capital intensive and comes with a significant amount of risks, so she is laying the foundation with financial stability. Before meeting Soul Wealthy and Kelvin, Olivia had already bought many policies from a reputable global insurance firm in Singapore. A substantial part of her salary goes towards servicing these policies. “I took up a number of insurance and investment-linked policies after I started working but I realised they were not suitable for me.” During their first meet-up, Kelvin took the time to understand her financial goals. He then used Soul Wealthy’s Wealth Journey to assess her current status and what it would take to reach her goal. In the process, Kelvin became impressed with Olivia’s plans for the future, admitting that she changed his perspective of Millennials being more short-term focused. It made him even more committed to helping her reach her dreams faster. Understanding that the right policies can fast-track her dream while the wrong ones can slow down progress, he proposed restructuring her portfolio to increase returns while keeping the premiums, protection and benefits the same. “With Kelvin’s help, my policies are earning me four times more returns for the same annual premiums. Now, I feel like I am reaching my goals four times faster. The journey to financial freedom is long but if you don’t stop dreaming, you will get there in time.”

Olivia Syn Ou Li

HR Specialist

CONTACT US

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务?(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格,即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策

Scan for Contact Details

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Retirement Planning

Will I be able to retire comfortably?